Petco began offering pet insurance in 2017 and has some impressive coverage. But there are dozens of pet insurance companies to consider for insuring your pet. Is Petco worth your consideration? Learn all about Petco’s policy, pricing, waiting periods, and more.
Article Overview
Contents
Petco Insurance
Pros
- No lifetime or per-incident payout limits with any plan
- No upper age limits
- BBB rating: B
- 30-day money-back guarantee
- 10% multi-pet discount
- Covers alternative therapies, like acupuncture
- Your pet is covered when they travel with you in the U.S., Canada, Guam, Puerto Rico, U.S. Virgin Islands, and other U.S. territories
Cons
- No wellness plan
- Premiums were higher than average when we ran quotes
- 14-day waiting period for accidents (some cover accidents within 2-3 days)
- If there’s a knee injury prior to enrollment or during the waiting period, they won’t cover the second leg if an injury occurs. It’s considered a bilateral condition.
Alternatives To Petco Dog Insurance
We don’t include Petco (or any company with less than five years of pet insurance experience) in our annual rankings. Why? Because it takes time for providers to establish consistent pricing and customer experience. To find the best, our experts regularly analyze over a dozen established companies. Learn more in our top pet insurance reviews.
Key Features
- Underwriter: United States Fire Insurance Company (administered by C&F Insurance Agency, Inc., a Crum & Forster company)
- Bilateral exclusions include ligament and knee conditions (a condition or disease that affects both sides of the body)
- Claims process:
- Must submit claims within 270 days via the online portal
- Direct deposit or check reimbursement is available
- 30-day money-back guarantee
- Offers pre-approval of estimates/procedures in advance of treatment
Pre-Existing Conditions
Pet insurance providers don’t cover pre-existing conditions, but the specific definitions can vary by company. A pre-existing condition is defined by Petco in their policy as:
Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition.
Petco covers curable pre-existing conditions after 180 days. This doesn’t apply to ligament and knee conditions.
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Waiting Periods
- 14 days: Illnesses
- 14 days: Accidents
- 14 days: Ligament issues (i.e., cruciates) and knee conditions
- 14 days: Hip dysplasia
What Does Petco Pet Insurance Cover?
The details below are for Petco’s accident and illness policy. Petco also offers an accident-only plan, which we discuss in more detail below.
Please know that none of the providers in our pet insurance comparison cover pre-existing conditions or cremation and burial costs. All of them cover the following items when deemed medically necessary: x-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, specialized exams, surgery, hospitalization, emergency care, specialty care, hydrotherapy, chronic conditions, cancer, diagnostic treatment, alternative/holistic therapy, and euthanasia. However, there may be limitations to this coverage, so please check your policy.
Accident-Only Plan
Petco’s Accident-Only plan covers items related to injuries and accidents, including:
How Much Does Petco Insurance Cost?
We’ve gathered some sample prices from Petco dog insurance for its accident and illness coverage plan. You can choose deductibles of either $100, $250, or $500. You also have three reimbursement options: 70%, 80%, or 90%.
They offer annual payout limits of $5,000, $10,000, $15,000, $20,000, or unlimited, and there are no lifetime payout limits. Individual premium prices are based on age, breed, and location. Petco Insurance prices below are from July 2021.
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What Do People Think Of Petco Pet Insurance?
Typically we try to share a couple of positive reviews and complaints about a pet insurance company. However, this company is newer, so it’s difficult to find Petco pet insurance reviews from customers. If you have experience with Petco’s insurance plan, please share it with us in our comments.
Is Petco The Best Pet Insurance?
Petco’s pet health insurance has competitive coverage and a variety of policy customization options to help it best fit your budget and needs. However, Petco is fairly new to the pet insurance marketplace, so we’d like to hear more about customers’ experiences before recommending them to you.
If you’re unsure about signing up for Petco Insurance, you can consider other options. Read our best pet insurance article to compare our winners in various categories, from value to special needs.
What do you find appealing about Petco’s insurance?