PetPremium | Pet Insurance Review


out of 10

85 Verified Reviews

  • 60 Days
  • 1 Year
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  • 9.5
  • 9.2
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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: Anna Corry

Excellent service and response time

This is the first time I have ever had pet insurance and I am very please with Nationwide. My policy is great - they are always super quick at responding to my claims.

out of 10

POSTED: | BY: Cheryl Tomasso

Always helpful and patient

We have had Nationwide for over 3 years now. We got it just to make sure our girl was protected as the offered it at work. I never had insurance on a pet, but I am grateful I did cover my baby Little did we know she would be one of the unfortunate ones with a rare disease. (Boxer Ulcerative Colitis! 3 vets, multiple ER visits, 9 months of no answers and every medication and food change possible and Nationwide was there for us, and still there like today, just sending out a note to see how she is feeling. She had a very rough start in her young life, but is off all medications and doing amazing. If we did not have Nationwide, we would have medical bills with way too many zeros and being on a budget, a big decision to make. Having insurance allowed us to care for a sick dog without putting us in the poor house! It is peace of mind having it, and with the uncertainty of life, never knowing when you will need it. When ever a person at work is contemplating getting insurance, I am always happy to share my insurance and as they, must have changed her food 100 times without question trying to find something that she could tolerate. I am happy we chose to get this insurance..We also adopted a friend for Jasmine and we got the insurance for him as well. I guess with insurance for anything, you may have it forever and not need it for anything major, but when you do, it makes all the difference in the world when it come to making choices for care when you do not have cash flow to spare!

out of 10

POSTED: | BY: Sarah Freeman

Very satisfited with a good service

I am insured with Nationwide and that the only name I have...I pick the one I think it was...Have had this insurance for 12 years since I got the dog. Oberon is doing fine and at present seems to be in remission with his cancer...doing well except still gets frequent ear infections and needs medication for him allergies and arthritis. Claims have gotten easier and the turn around time to hear back has gotten shorter. Both excellent things. I am and have been very pleased with my service and coverage. I've only had to customer service a couple of times and both times was very helpful.

out of 10

POSTED: | BY: murray davis


The way in which Nationwide has changed its claim process...and the speed at which reimbursements gets to my bank account are amazing. The claim process has become so literally takes less than a minute to file a claim. The reimbursement quite often is less than one week...and the money is wired to my bank account.

out of 10



Thanks for all help and support on Zeus.

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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