PetPlan Insurance Review
What Does Petplan Offer English Bulldogs?
A big plus for English bulldogs is Petplan’s lifetime coverage option with no limits on the amount of overall coverage for a specific condition. Bulldogs can end up suffering from a number of ongoing and costly issues, such as food allergies, hip dysplasia, cancer and arthritis, which can add up to thousands of dollars of treatment over several years.
Hereditary and congenital conditions are covered, two more common bulldog issues that may require ongoing or costly treatments. The only limit that applies is the annual limit, allowing you to continuously use your coverage for reimbursement of the same ongoing condition.
A caveat, however, is the premium increases that can happen without advance notice every time you renew your policy. One policy holder mentioned his rates increased 10 percent the third year and 15 percent the fourth year – even though he had a fairly young pet and had filed no claims whatsoever.
Another caveat is the lack of any type of wellness coverage options, with no policies or riders that cover routine care. Petplan does cover specified prescription medications, but offers no coverage for prescription foods or special diets that bulldogs often require.
Coverage for a lost or stolen bulldog, or the cost of the pet if he dies from injury or illness, is a rather unique insurance offering. But the reimbursement limit is $250 or $500, whereas English bulldogs can cost upwards of $1,000.
Petplan Coverage Summary
Coverage
Petplan covers hereditary and congenital conditions from which English bulldogs are known to suffer.
Deductibles
You choose from one of three deductibles, which apply per condition per year. Choices are $50, $100 or $200.
Reimbursement Method
Reimbursements of 80 to 100 percent are made on the actual vet bills, with you choosing the percentage you wish to be reimbursed.
Claim Limits
Petplan does not have lifetime claim limits, nor are there any claim limits on specific conditions. You do, however, have an annual claim limit that varies by plan. The maximum limit is $22,000.
Customer Service
Most customers have great things to say about Petplan, which received a 9.2/10 lifetime rating by pet insurance reviews. Complaints that do come in are frequently about unforeseen premium increases when it comes time to renew their policies.
Petplan Q & A
?What makes Petplan better for English bulldogs than other insurance plans?
AIn addition to being a top-rated pet insurance provider across the board, Petplan offers two coverage options essential for English bulldogs. One is coverage for chronic, hereditary and congenital condition. The other is the Covered for Life guarantee that provides lifetime coverage for your bulldog provided you renew annually without any lapse of coverage.
?Does Petplan cover food allergies and prescription foods for my English bulldog?
ATreatment for food allergies is covered, although prescription foods and special diets are not.
?Is my English bulldog too old to get Petplan coverage?
APetplan has no upper age limit for its coverage. The only age requirements are on the younger end of the scale, with English bulldog puppies required to be more than 6 weeks old.
?Are there any discounts for enrolling more than one English bulldog or other pets?
APetplan offers a 10 percent discount on each pet you enroll after the first one. It also offers several other discounts, such as a 5 percent discount for enrolling online. You can combine discount offers for a maximum discount of 15 percent.
What's Covered
Hereditary Conditions- Congenital Conditions
- Chronic Conditions
- Illnesses
- Cancer
- Diagnostic Treatment
- X-rays, Blood Tests, Ultrasounds
- Accidents
- Surgery
- Hospitalization
- Emergency Care
- Specialty Care
- Alternative Treatments
- Certain Prescription Medications
Plan Highlights
What's Not Covered
Wellness or routine care- Puppies under 6 weeks
- Pre-existing conditions
Review Summary
Pros
- Helpful
- Fast Claims
- Low price
Cons
- Slow
- Low Maximums
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About PetPlan Insurance
In business in Europe since 1976 and incorporated in the US in 2005, Petplan got its start from a business plan submitted by two students to a Wharton Business School competition. The company offers three different insurance plans for bulldogs: bronze, silver and gold, each with different coverage details and limits.
The basic bronze plan covers veterinary care related to accidents, illnesses, cancer treatments, chronic, congenital and hereditary conditions, as well as holistic treatment options.
The silver plan adds coverage for boarding your pet if he’s not found. Gold plans increase the cost of pet reimbursement to $500 while adding coverage for vacation cancellations and death from illness or injury to the list.
You can choose from three deductibles, which apply per year per condition, as well as coverage of 80 to 100- percent. Annual coverage limits vary by plan, with the maximum set at $22,000 per year with the gold plan.
A downloadable claims form lets you file claims by email, fax or regular mail. You’re free to visit any licensed vet of your choice. If you renew your policy annually with no gaps in coverage, you can enjoy full coverage for your bulldog’s lifetime. kennel fees, the cost of advertising and reward for a lost pet and up to $250 to cover the cost of your pet if he’s not found. Gold plans increase the cost of pet reimbursement to $500 while adding coverage for vacation cancellations and death from illness or injury to the list.
You can choose from three deductibles, which apply per year per condition, as well as coverage of 80 to 100- percent. Annual coverage limits vary by plan, with the maximum set at $22,000 per year with the gold plan.
A downloadable claims form lets you file claims by email, fax or regular mail. You’re free to visit any licensed vet of your choice. If you renew your policy annually with no gaps in coverage, you can enjoy full coverage for your bulldog’s lifetime.