PetPremium | Pet Insurance Review


out of 10

85 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0.0
  • 9.5
  • 9.2
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  • 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: Denise Kimbrough

happy with service and have recommended it to everyone i know with a dog.

Worth the money for peace of mind, i no longer worry about whether i should have my dog treated or just hope he gets better.

out of 10

POSTED: | BY: Debra Simmons

Prompt response/payment for claim

I've been very pleased with Pet First. They've handled my claims quickly from letting me know that it was received to approving it to paying it. The only thing I don't like about it is the $5,000 yearly cap as I've found things can add up in the blink of an eye for Vet bills so I'm a bit concerned in that aspect of this insurance.

out of 10

POSTED: | BY: Christine M

Would have higher rating if offered pregnancy support -- I am a breeder.

Very satisfied with the service as it exists. Would give you a 9+ rating if you offered a pregnancy rider.

out of 10

POSTED: | BY: Jessica

Perfect Pet Plan

Cannot speak highly enough of Pet Premium Pet Insurance! Affordable and so easy to use! This is our third year already with our plan, and I’m never turning back lol!

out of 10

POSTED: | BY: Lorna Brown

Insurance payments

My daughter pays for my pet insurance. She just emailed me to tell me that you are now taking out the $42.00 per month twice each month. Once on the 11th and again on the 16th. I would like you to investigate this, credit the money back to her credit card and let me know that it has been taken care of. She cannot afford to be paying twice for my pet insurance.

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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