PetPremium Pet Insurance

PetPremium is a pet insurance provider that prides itself on keeping your pet healthy. Their motto is “We focus on health insurance rather than sickness insurance.” With the ability to use any vet nationwide and a choice of annual deductible options and reimbursement percentage options, PetPremium offers a plan you can tailor to your budget and needs.

To decide if PetPremium Pet Insurance is the best coverage for your canine companion, read on for an unbiased review. We’ll give you information on how to choose the insurance coverage, make a claim, and more.

PetPremium pricing

The cost of PetPremium insurance coverage is based on factors like the breed of dog and their age.

Premium prices are not readily available on the website. Still, the quote process is easily completed online by filling out a simple form. To further fine-tune the pricing, where you live, your chosen co-pay, and preferred deductible are factored in. 

For example, your payment rate will be determined by the cost of veterinary care in the area where you are located. A city like New York may see higher premiums than a small town where veterinary costs are lower. 

Co-pays costs (the percentage of the veterinarian bill that you pay), and the deductible (the amount you pay toward medical expenses before your insurance company reimburses), will make a difference in your premium cost. The deductible, which only needs to be met once per policy period, ranges from $100 to $500. Co-pay percentages are 70%, 80%, and 90% for eligible claims.

PetPremium offers Accident Coverage and Accident/Illness Coverage, and like many insurance companies, the premiums are based on risk. There is the opportunity to add Additional Optional Preventive Wellness Care coverage to your plan at the cost of $9.95 for the Basic Care Option, $14.95 for Standard, or $24.95 per month for Prime Preventative Care. This allows for visits providing care for the teeth, vaccines, and more. The services offered will vary depending on the selected plan.

If you would like to avoid the installment fee, you can pay the annual premium in full as opposed to monthly, quarterly, and semi-annually. As long as no coverage has been provided, PetPremium offers a 30-day money-back guarantee.

How do I file a claim with PetPremium?

PetPremium assures clients that filing a claim is as easy as 1-2-3. The first step is to obtain your claim form by mail, fax, or via downloading it from the website. Complete the form with the required information, including identifying yourself and the insured pet, details on the symptoms and diagnosis, and a pet owner declaration. Remember to include a copy of the invoice provided by the veterinarian.

Once all the required information is received, payment should be processed within 30 days. The PetPremium website states that you can track the status of your claim 24/7 once submitted at PetPremium’s Member Center. The claim payment can also be sent directly to your veterinarian.

What does PetPremium cover?

PetPremium offers Total Coverage Plans and Accident Only Coverage. Pet parents can also add Wellness Coverage to help take care of basic needs. The choice is yours as to whether you opt for a basic plan which may have per incident caps for payouts, or unlimited annual benefits, which comes at a higher price, of course, in the form of higher premiums.

The PetPremium website does not offer a detailed listing of the illnesses covered. Instead, it is broken down into groupings:

Medical Conditions Covered

Dental Illness

Medical Treatments Covered

Diagnostic Testing
Prescription Medications
Emergency Care
Specialty Care
Alternative Care
Behavioral Therapy

Optional Preventive Care

This care coverage is aimed at keeping your pet well and will be based on whether you chose Basic, Standard, or Prime coverage. 

Preventive Care Coverage will include items like deworming, fecal tests, certain vaccines, flea/heartworm protection, and urinalysis.


Pre-existing conditions are excluded. Conditions that occur before the coverage is effective or during a waiting period are not covered. Once cured and treatment-free for 180 days, coverage will then be effective. 

Inhumane treatments like tail-docking are excluded. As well, dental procedures like orthodontics and endodontics, among others, are not included. 

An exhaustive list of all categories listed above should accompany your insurance package. Note that not all items listed are covered on all of PetPremium’s plans. There may be applicable incident and lifetime limits.

How to apply for PetPremium

Pets aged from 8 weeks and up are covered by PetPremium. There is no age limit above 8 weeks. Buying your policy when your pet is young most often ensures the lowest rates. Of course, premiums will rise as your pet gets older. Pets in all 50 states of the United States are eligible.

Take the time to read over the website and as well, make a call to PetPremium to determine the best coverage for your dog. When applying, the quote process will require your pet’s name, breed, gender, and birthday. Whether your dog is spayed or neutered is important to specify, and your zip code is required, too.

Waiting period

Accident coverage and Preventive Care coverage (if you choose it) will start on the effective date of the PetPremium Pet Insurance plan. If you select Accident/Illnesses Coverage, the illness portion will start 14 days after the effective date.

There is a 14 day to 12 month waiting period after the effective date for ligament issues and knee conditions. Depending on the coverage, there may be a 180 day waiting period for hereditary, genetic, or congenital conditions. It is recommended that you get clarification on these points when enrolling.

PetPremium reviews

The Better Business Bureau had no documented reviews for PetPremium Pet Insurance. Consumer Affairs had a basic overview without any customer input. Other non-accredited sites with reviews on this pet insurance company noted mixed opinions. Noted points were a wish for better clarity on the website and the ability to do more processing online. Customer service over the phone was considered very helpful. The fact that there are options for accident only and accident/illness, along with added wellness coverage was favorable.

Is PetPremium pet insurance right for your dog?

PetPremium pet insurance may be the right coverage for pet parents looking for good value and flexibility. The ability to choose accident coverage only is an attractive option for some. The accident and illness combination offers more comfort as fas as unforeseen illnesses go. The three-tiered Preventive Care option is accessible to all budgets and is reasonably priced, ensuring that pets who may miss their annual vaccines and wellness check due to finances are covered.

Do you have questions about pet insurance? Live chat with a vet now for a helpful and informative reply.

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