PetPremium offers two levels of pet health insurance and optional wellness coverage. Its pet portal, featuring pet care and breeding services and expert resources, supports pet owners through every stage of the pet parenting experience.

Learn more about Pet Premium's plan options and read customer reviews so you can make an informed choice about your pet insurance provider. 

Average customer rating

9.3 Out of 10
60 Days 1 Year Lifetime
Rating 10.0 9.8 9.3
Count 1 6 54

PetPremium Pet Insurance

10
Out of 10
Recommended
Posted: 09/25/2019
By:
Joanna Berkowitz

The insurance is comprehensive, and much more complete than other carriers we have used.
The agents are, without exception, friendly and very helpful.
Beyond that, we have sadly lost 2 older cats to illness over the last 2 months. Not only was the staff...

Injury/illness
Claim Amount
Breed

Domestic Shorthair

Age of Pet
Over 8 years
10
Out of 10
Recommended
Posted: 07/10/2019
By:
Angelo

I highly recommend PetPremium for any dog or cat. I have three cats. Monthly payments are very reasonable. Yes, many months will go by when you don’t need the insurance, but when you do need it it will help. Over the past two years I’ve had two cats who...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
Over 8 years
Monthly Cost

$12 - $80, depending on your chosen plan.

Coverage

Select either the Accidents Only Coverage or Total Coverage plan. Both plans have annual limit options of $2,500, $3,000, $4000, $5,000, $7,000, $10,000, $15,000, $20,000 and unlimited. You can also select a Reimbursement percentage of 70%, 80% or 90% and an Annual Deductible of either $100, $250 or $500.

The Total Coverage plan covers accidents and illnesses, hereditary and congenital conditions. Behavioral Treatments, as well as Alternative Therapies are covered.

The Accident Only Plan does have allowances for Alternative therapies.

Both plans offer a Wellness plan as an extra option.   

Payout Limits

Annual claim limits of $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000 or $20,000 depending on plan coverage selected.

Deductible

$100, $250 or $500 annually.

Age Limits

Pets must be at least 8 weeks old to enroll. There is no upper age limit.

Waiting Period

Coverage for illnesses, including congenital and ACL injuries begins 14 days after date listed on policy. Accidents are covered the day of policy issuance.

Exclusions

Pre-existing conditions are not covered. 

Hereditary and congenital conditions and behavioral conditions and alternatives therapies (such as acupuncture, hydrotherapy and chiropractic), are covered on Total Coverage plan 

Dental injuries are covered, however exclusions apply for dental illnesses. 

Optional wellness plans (three options) are available for an additional cost.

Since 2013, PetPremium has strived to ensure pets across the U.S. stay happy, healthy and protected.   

As well as offering two levels of pet health insurance and optional wellness coverage, PetPremium’s pet portal, featuring pet care and breeding services and expert resources, supports pet owners through every stage of the pet parenting experience. 

Passionate about protecting human and pet health and natural resources, PetPremium is committed to promoting environmental stewardship and implementing innovative environmental technologies and practices.