PetPremium | Pet Insurance Review


out of 10

85 Verified Reviews

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  • 1 Year
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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: Heidi McDonald

Great pet insurance! Exactly as promised!

I've had a couple of vet visits for my older female pug this year. Both visits, the insurance paid exactly the amount promised in the contract. I got both checks very quickly too! I've been very pleasantly surprised with how great this insurance is!

out of 10

POSTED: | BY: Stefanie

Great company to work with!

Pet Premium has been great to work with. They handle all of my claims quickly and then check in to inquire how my dog is doing. That's what i want from an insurance company.

out of 10

POSTED: | BY: Kevin Gardner

The best pet insurance I have had

I have had several pet insurance companies over the years. My first claim with Pet Premium was a no hassle approval and it was direct deposited into my bank the same week it was approved. and a paper copy of the claim was sent to me. Great company excellent help on the phone also they answered all of my questions and I was never on hold. I did my research they also have the best deals around on pet insurance. I will never be without pet insurance again.Here is the math say you have a $1000 bill and have paid the $100 yearly deductible you get approx $900 back if you choose the 90% reimbursement rate and $100 deductible that is really good better than my human insurance!!

out of 10

POSTED: | BY: Tiffany P.

Excellent Customer Service

I am very happy with Pet Premium. I researched a ton of pet insurers and PetPremium had the best reviews overall. I love how quickly my claims process and the scope of coverage. It is really easy to upload receipts for claims with their online member portal. I love that I can add preventative services to my plan. I love the customer service and how polite the people are. I have had experience with places that try to rush you off the phone, but the people at Pet Premium seem to genuinely want to help.

out of 10

POSTED: | BY: Dawn

I wish human insurance was this easy!

Quick & easy turnaround for filing claims, getting answers & receiving reimbursement. The website is so easy to use and upload photos of claims. I'm not kidding when I say my grandma could do it and she's never used a PC. They call a couple times a year to ask how my pet is doing, if they can help me in any way, it is not a bother. It is so simple and I get direct deposit for claims reimbursement. It takes me literally 60 seconds to file a claim, and that's because I wait on my computer for the download of the invoice photos...which I take on my Iphone. The claim form is super short. The price is reasonable and it has saved me so much money. I knew one day I would need it for my poor kitty, who just had surgery to resect a malignant tumor entirely! You will not be disappointed. Our pets age and so we need to be prepared to give them medical care just like we would our other family members. Thank you!

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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