PetPremium | Pet Insurance Review


out of 10

85 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 9.5
  • 9.2
  • Count
  • 0
  • 2
  • 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: Lory Finocchiaro

Great insurance

I have the VitusVet app and it has made the claim process so much faster. Everything is cover.ed. I have whole pet health insurance. You must be sure to get that or everything is not covered. One issue is the monthly fee goes up every year. That’s a problem

out of 10

POSTED: | BY: Joanna Berkowitz

knowledge, kindness, compassion

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 kind and supportive when I called to cancel the policies, but I received follow up "how are you doing" phone calls. Each time, the staff member clearly had the time -- and interest --- to ask a few questions about our pets --- what were they like, particular quirks, etc --- as well as what seemed to be a genuine offer to be a support if need be.

out of 10

POSTED: | BY: wendell tolleson


The service is great. It's affordable. Easy claim service.

out of 10

POSTED: | BY: Angelo

They come through when you need them

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’ve had issues and PetPremiums claims have been very simple to file and processed effectively and quickly. I don’t know what I’d have done without PetPremium to help my cat this year especially. Highly recommended for any pet owner. Also when needed customer service is very helpful.

out of 10

POSTED: | BY: Camille Esperance

Nationwide is excellent pet insurance

Nationwide is excellent pet insurance and very caring to my cat.

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.

Get a quote today

Leave a review