How do I know I can trust these reviews about Petplan?

Thanks, Ish - the Petplan team.
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Keep in mind when getting a quote that most of the companies will show a "recommended" or "most popular" plan. While these policies may have a lower premium, your primary consideration should be your annual out-of-pocket costs (including the premium). What if you have to file a very large claim or your pet is treated for multiple conditions in a policy year? You'll almost always come out ahead by custom designing your own plan.
Additionally, in 2007, the Humane Society of the United States began recommending Petplan.
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Each year, thousands of people from across the U.S. and Canada nominate their veterinary heroes for recognition at this sought-after event. It’s the job of Petplan’s panel of expert judges to sniff out the top dogs in six categories to be named finalists for an award. Joining in with  fun this morning! Our very own Petplan pup hits the polls!
Photo provided by FlickrPlus, Petplan’s 24/7 customer service is top-rated in the industry – there’s even live chat.
Photo provided by FlickrVisit the Petplan's website  to learn more about the Petplan Veterinary Awards and previous winners.
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Petplan policies are underwritten in the U.S. by AGCS Marine Insurance Company, a member of the Allianz Group (rated A+ A.M. Best), and XL Specialty Insurance Company; and in Canada by XL Specialty Insurance Company-Canadian Branch. XL Specialty Insurance Company is rated A+ by S&P as of . Coverage may not be available in all jurisdictions. Offer subject to state approvals and may not be available in all states.One thing that you can count on is pet insurance companies changing their policies from time to time. Up until 2016, Petplan offered 3 different policies - Bronze, Silver, and Gold. They now have only one policy, but it gives pet owners more options when customizing maximums, deductibles, and copays. It is being approved state by state and they expect it to be approved in all 50 states very soon. Petplan insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California) and issued by XL Specialty Insurance Company, a member of XL Catlin (rated A+ S&P), and AGCS Marine Insurance Company, a member of the Allianz Group, (rated A+ A.M. Best).They no longer offer a 100% reimbursement, but a choice of 70%, 80%, or 90% reimbursement. Traditionally, most companies apply the deductible first and then the copay when determining how much to reimburse the policyholder for a claim, but Petplan is one of several companies that applies the corresponding copay (30%, 20%, 10%) before the deductible. This renders a slightly lower reimbursement to the policyholder. Copay - In the past, Petplan has reimbursed 80% (20% copay) on claims for visits to emergency or specialty hospitals - even if the policyholder’s policy had a 90% or 100% reimbursement. Now, whatever reimbursement you select applies to all claims regardless of where you take your pet for care. The information contained in this website is for illustrative purposes only and coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. Petplan insurance policies are administered by Fetch Insurance Services, LLC (Fetch Insurance Agency, LLC in Michigan), d/b/a Petplan (Petplan Insurance Agency, LLC in California) and underwritten by XL Specialty Insurance Company, which carries the rating of A+ by S&P, and AGCS Marine Insurance Company, a member of the Allianz Group, (rated A+ A.M. Best). Coverages may not be available in all jurisdictions. Information accurate as of July 2017.