PetPremium | Pet Insurance Review


out of 10

85 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
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  • 9.5
  • 9.2
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  • 85
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.

out of 10

POSTED: | BY: Robert Murray

Claim handled quickly!

Claim handled quickly and a nice company to have for my dog.

out of 10

POSTED: | BY: Jae Chaney

Easiest claim process and almost overnight reimbursement

I have used other pet insurers before and no one has provided such a simple process to submit claims. Additionally, the time to reimbursement was days with Pet Premium versus weeks or months with my previous providers.

out of 10

POSTED: | BY: Megan

awesome! quick reimbursement

getting pet insurance was one of the best things I've ever done and the staff is extremely kind and helpful. My claims have always been reimbursed the next business day which is CRAZY QUICK. Also, on one of my claims there was a mistake and the staff reviewed it and fixed it within the same day. I've even had my mom switch from TruPanion to PetPremium because it's the best.

out of 10

POSTED: | BY: Shirley

Quick Service -- No Surprises

I had another policy before going with PetPremium. I always had to call as I thought things should be covered they were saying weren't. They insisted on more documentation for every claim and often called the vet for more information -- information they had. I got this policy and Maggie needed routine/preventive care. No surprises. I got reimbursed exactly what I expected and very quickly. The vet was not asked for more information and I was not asked for more documentation. My time and that of my vet are valuable and we both appreciated they accepted what I submitted.

out of 10

POSTED: | BY: arthur fowler

the best service ever

claim was sent in the after the vet was seen. had a reply the next day and settlement shortly there after.don,t get this type of from my health ins co. keep up the good work and nmany thanks

Monthly Cost

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


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.


$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.


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.

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