Is coinsurance mandatory for non-specialist treatment?
No. All Petplan policies offer the policyholder a choice of whether to select a coinsurance option or not. Petplan offers 0% coinsurance, which equates to 100% reimbursement, 10% coinsurance, which equates to 90% reimbursement and 20% coinsurance, which equates to 80% reimbursement. By adding a 10% or a 20% coinsurance to your policy, your premium will be reduced accordingly. 20% coinsurance applies to specialist veterinary treatment i.e. veterinary treatment administered by a referral veterinarian; or at a referral veterinary facility, after hours veterinary facility, or accredited school/college of veterinary medicine. This coinsurance will only apply in exceptional cases where your current veterinarian is unable to perform the treatment necessary to treat your pet and needs to refer you to an external facility. If you purchased or renewed your policy before September 1, 2010, the percentage of coinsurance may be 20% or 30%, depending on your state. Check your Terms and Conditions fo
