Petplan Pet Insurance: A Friend With Benefits Coordinators

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Pet insurance provider offers tips on how (and why) to select a pet insurance partner

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Pets have hit a critical mass in popularity among Americans, and employers are taking note. Tens of thousands now offer pet insurance as part of their benefits package; in fact, The Washington Times reports that pet insurance is “one of the three most requested voluntary employee benefits.”

These early adopters recognize that attracting and retaining top talent requires more than paying a competitive salary. It requires offering benefits that enrich the lives of employees and their families.

“‘Family’ is really the operative word here,” says Petplan co-founder and co-CEO Chris Ashton. “Ninety-two percent of pet parents think of their pets as family members, and most people would do anything for family — even if it means going into debt to pay for medical care.”

Because pet insurance reimburses pet parents for unexpected veterinary bills related to an illness or injury, it allows employers to support the emotional and financial well-being of their employees, while demonstrating that the company cares about the things that are important to its workers.

“It’s not often that you can invest in a happier, healthier and more productive workforce at little or no cost to the company,” says Ashton. “But that’s precisely the value Petplan has created for a number of companies in the Fortune 500.”

Choosing the Right Partner
Because employees’ experiences with benefits partners can reflect back on their employers, Ashton advises that benefits coordinators do their due diligence.

“Start by checking out their underwriters’ ratings with independent insurance ratings agencies like A.M. Best. You might also research providers’ offerings and their reputations in the marketplace by visiting websites like”

By asking the questions that matter to pet parents, employers can make informed decisions to ensure that their employees’ benefits experiences reflect positively on the company. To that end, Ashton offers these five questions for consideration:

  • Does the provider cover chronic conditions like allergies, pancreatitis and diabetes as pets age? Thirty to forty percent of all Petplan pet insurance claims are for chronic conditions that can last beyond twelve months, and some providers exclude coverage after a certain time period.
  • Does the provider use a benefits schedule when determining the amount of reimbursement? Or is it based on the actual cost of treatment provided by the vet? The latter is the better value for employees. A provider that uses a benefits schedule is a red flag, and could leave employees paying more out-of-pocket costs than they signed up for.
  • Will the provider reimburse for care from any veterinarian? You want to be sure your employees aren’t restricted to specific veterinarians or locations.
  • Does the provider offer customer service 24/7? Veterinary emergencies can happen at any time, day or night.
  • Are plans flexible in terms of co-pay, deductible and coverage amounts? The ability to customize a plan is important for your employees, who may have different needs.

Learn more about adding Petplan pet insurance as a voluntary benefit by visiting


Petplan is more than a pet insurance provider. We’re dedicated to giving pet parents the support, resources and tools they need to keep their pets not just surviving—but thriving—into old age. Simply put, we aim to be the kind of company that will make our pets proud. For the third consecutive year, Petplan was listed among the top 50 of Forbes' annual ranking of America’s Most Promising Companies —a list of 100 privately held, high-growth companies with bright futures. Petplan is the only pet insurance provider to have been included on Inc. Magazine’s list of 500 fastest-growing, privately held companies in America.

Petplan’s fully customizable cat and dog insurance policies provide comprehensive coverage for all hereditary and chronic conditions for the life of the pet as standard. Petplan policies are underwritten by XL Specialty Insurance Company, a member of XL Catlin (rated A+ S&P) and AGCS Marine Insurance Company and Allianz Global Risks US Insurance Company in Canada, members of the Allianz Group (rated A+ A.M. Best). For more information about Petplan pet insurance, visit or call 1-866-467-3875.

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Jessica Kinney
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