PetPremium Pet Insurance Reviews

PetPremium Pet Insurance
Paws Up
Low Annual Deductible
Choose Your Vet
Paws Down
Condition Limits
Poor Claims Approval
$36 per month*
Watch out for payout limits and waiting periods on genetic conditions

PetPremium Pet Insurance Review

PetPremium is backed by Hartville Pet Insurance Group, the same insurer that backs ASPCA Pet Insurance. Although PetPremium ranked last in our pet insurance reviews, the newcomer beat out established providers like ASPCA and PetPartners.

PetPremium has become popular by providing an excellent customer experience.

According to customer survey data, 97% of PetPremium’s customers said they would recommend them to a friend looking for pet insurance.

We scoured the web for reviews by real customers about PetPremium and found that the overall assessment of the newest pet insurance company was overwhelmingly positive.

Our reviewers also spoke with the executives at PetPremium and learned of their impressive lineup of free pet health resources like breeder reviews and personalized pet veterinary profiles.

These added benefits set PetPremium apart from the rest of the pet insurance pack and offer extra value to all PetPremium customers.

PetPremium Coverage

PetPremium offers two levels of coverage. One is for accident-only coverage, and the other provides additional coverage for illnesses and specific treatments. You can also choose to add on preventative care coverage in the form of a wellness plan.

Coverage under PetPremium is not available in every state.

If you want to have minimal coverage that will protect your dog or cat in the event of an accident, choose the Accidents-Only Coverage. You’ll get reimbursed for high-cost medical bills for emergency room visits and treatments if an unforeseen accident occurs.

Your premiums will stay lower on this policy.

If you want to have more coverage for illnesses or ongoing conditions, you will need to choose their Total Coverage option. You’ll have higher premiums, but you’ll also have more services reimbursed.

Most of the other companies we reviewed, however, offer accident and illness in their standard plans at a lower rate.

Wellness Plan

PetPremium offers two optional wellness plans for preventative care, Basic Preventive Care or Prime Preventive Care.

The Wellness plan packages will reimburse you a specific amount per service.

Under the basic plan, you can get $40 back per wellness exam and $15 back for a rabies vaccine. The upper level plan will pay you back more, as much as $50 per wellness exam.

It will also reimburse you for services not covered under the basic plan, like dental cleaning and pest prevention.

Other Conditions and Treatments

Similar to other pet insurance plans, PetPremium, under the Total Coverage plan includes the following: diagnostic testing, surgery, hospitalization, prescription medications, emergency care, specialty and behavioral care which is a nice bonus, but only under the Total Coverage plan.

Hereditary and congenital conditions that are not pre-disposed are covered only under the Total Coverage plan.

Alternative Care

A bonus of PetPremium is that both plans, Accidents Only and Total Coverage, offer alternative care choices.  Alternative care includes less invasive procedures and works well with an older pet like hydrotherapy, chiropractic care, acupuncture and other specialized treatments.

Continuing Coverage Care Restrictions

A senior dog or cat may have a difficult time staying on a policy with PetPremium. Dogs must be younger than 12 to enroll and cats up to 14 years old, so if you’re looking to enroll a dog or cat that is older, they don’t have that option under their Total Coverage policy.

You can enroll an older dog or cat under the Accidents Only policy. If you are already enrolled then there is no age limit.

Benefit Limits

PetPremium offers highly customizable benefit limits. You can choose any figure from $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 to unlimited. The higher the annual payout the more the premium.

These annual limits apply to both the company’s Accident-Only and Total plans.

PetPremium’s Level 1-3 plans have per-incident caps according to the accident or illness.

As with other pet insurance policies, as long as the condition your dog or cat is being treated for is not a pre-existing condition, they will pay even your entire bill, no matter what the cost at the facility or doctor of your choice.

Reimbursement Method

Both Accidents-Only Coverage and Total Coverage offer reimbursement levels of 70, 80 and 90%.

However, as mentioned above, the Accidents-Only Coverage, you will only receive coverage for unexpected accidents. So, if your dog was hit by a vehicle, you’ll get reimbursed according to your reimbursement level for medical bills associated with it. Plus, you can get reimbursed for ongoing care related to the accident.

The two wellness plans: Basic Preventive Care or Prime Preventive Care, you will get reimbursed up to a scheduled annual amount for specific preventive care treatments.  You don’t have to meet a deductible.

Both PetPremium plans reimburse you on the specific veterinary bill which is always the preferred choice.

Deductible Types

PetPremium offers three deductible levels to choose from: $100, $250, and $500. Choosing a lower deductible will translate to higher premiums. This is a solid deductible schedule, but not as flexible as some of the other companies we feature that give you a bigger range to choose from like Embrace.

They do offer an annual deductible which is always our preferred method as you only have to hit the deductible once to be reimbursed for treatment.

What Is The Cost Of PetPremium?

PetPremium has some of the cheapest coverage that we have reviewed for dogs and cats. However, this low price applies to its “level” policies that have rather low per incident caps. If you opt to purchase coverage in line with the best plans you are going to be paying a premium price.

The average monthly premiums for dogs is $13 and for cats is $10.

Additionally, with either policy, you can choose to include optional preventative care coverage. There are three options to choose from, ranging in price from an extra $9.95 to $24.95 per month.

This coverage works like a wellness plan, rather than insurance. You’ll receive a specific amount of money reimbursed for each covered service, like wellness exams or spaying and neutering. The Advance Wellness plan for $24.95 per month will give you the biggest reimbursement per service.

You can get a 10% discount is you enroll multiple pets.  And there is also a discount if you pay annually.

Claims Process

The claims process for PetPremium is standard of most and lets you download the claim form on their website and then email, fax, or mail it back to the company with applicable invoices. PetPremium’s stated policy is to reimburse you within 30 days of the claim.

Once you have submitted your claim, you can track the status of your claim online 24/7 at PetPremium’s Member Center.

Unlike some of our top companies, PetPremium does not feature the convenience of claims filling directly online or through the mobile app, as well as direct deposit.  Some of the other companies we reviewed offer discounts for doing so.

Enrollment & Waiting Periods

PetPremium sets a minimum age of 8 weeks for enrollment, but no upper limits for its Accident plan. All other plans have a maximum enrollment age for dogs at 12 and cats at 14.

Costs associated with the diagnosis, treatment, or surgery for ligament or knee injuries that occur during the first 12 month policy period after enrollment are not covered. The waiting period for all other illnesses is 14 days, the common time frame of most pet insurance plans.

PetPremium Reviews from Customers

Average customer review: 3.5/5

“Never Want to be Without it”

After my first two pets passed away, I never wanted to be without pet insurance coverage again. I got PetPremium insurance to help with vet costs and I am so happy that my dog is covered now.

Pet Parent
Portland, OR


“Didn’t Deny my Corgi”

Unlike other pet insurance plans, PetPremium did not deny me because of my Corgi’s age. Enrolling was quick and easy and I’m at ease knowing my dog is protected if anything were to happen to her.

Pet Parent of a Corgi
Baltimore, MD


PetPremium Facts

  • 97% customer retention rate
  • Month-to-month contracts

PetPremium FAQ’s

How soon is my coverage effective?

Accident coverage is effective immediately. Illness coverage takes 30 days to become active.

Can I choose my own veterinarian?

Yes, you can choose any licensed veterinarian in the United States or Canada.

Are there any limitations on coverage?

Similar to most pet insurance companies, you pet will not be covered for any pre-existing illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period.

A condition will no longer be considered pre-existing if your pet’s condition has been cured and free from treatment and symptoms for a period of 180 days.

How does PetPremium compare to the other pet insurance companies?

If you want to see how PetPremium compares to the other pet insurance companies we reviewed, take a look at our pet insurance comparison chart that shows all the companies and how they compare.

Does PetPremium offer any discounts?

Yes, if you pay annually you will not pay the monthly installment fee. And you also get a 10% discount if you enroll multiple pets.

Are PetPremium’s reimbursements based on the actual vet bill?

You are reimbursed based on the actual total of the vet bill under the Total Care Plan.

How long does it take to get my reimbursement check?

Reimbursements are easy with PetPremium. Simply download and complete the one-page claim form, email it back, and your claim will be paid within 30 days.

How can you contact PetPremium?

PetPremium offers limited customer service – they are available from 8am-9pm EST from Monday-Friday, and 9am-5pm EST on Saturday’s. They can reached by phone at 1-800-935-7280 only.  Their site, unfortunately, does not offer a lot of information and it’s best to give them a call.

PetPremium Offers Low Cost Pet Insurance

The highest-rated new pet insurance company.

Overall Satisfaction Rating 3.5 / 5

97% of customers said they would recommend PetPremium to a friend!

Have your questions ready and go to their site, PetPremium and see if they are the right insurance company for you and your pet!  

  1. Reply
    Lynn 11/29/2015 at 4:14 am

    Love the friendly staff at petpremium and even though my dog is older, he wasn’t turned downed for the insurance. We need to take care of our animals like we take care of ourselves!

    • Reply
      Pet Insurance U 11/29/2015 at 10:14 am

      Hi Lynn and welcome to Pet Insurance U! Thanks for your comment. Our editors’ experiences with PetPremium echoes yours. After several conversations with PetPremium, we found Jeroen and the rest of the staff to be very friendly too. They are still a pretty new company, without the infrastructure of a larger insurance provider like Nationwide, but they’re making a solid effort and are pleasing their customers by providing good service.

  2. Reply
    Janice 11/30/2015 at 8:36 am

    I like that you can pay annually and get a discount. We have a pug, Oliver, and he gets in a lot of trouble sometimes with our other dog and just general mischief so I am eager to get him some behavioral classes and I’m pleased to see that this one covers that (the level 3 that is). I’ve never gotten pet insurance before but I think I’m set on the PetPremium.

  3. Reply
    Shalonda Gordon 01/26/2016 at 8:42 am

    I love how the dental is included in the wellness plan. As I’m sitting here realizing that I pay the same amount for my current plan which does not include dental cleaning.. I have a German Shepherd and she has a nice set of teeth.. and cleaning them is a chore.. trust me.. smiling.. This review has opened my eyes to what else I’m paying for and not receiving with my current plan..time to dig in deep and find out. Thanks for this review as I wouldn’t have known what I was missing had I not found it.. keep smiling

  4. Reply
    Victoria Nahley 02/15/2016 at 9:30 am

    I really like that the reimbursement and deductible ranges stay the same for all three levels. The wellness plans are a great option to and very affordable considering flea and dental issues are very common. My dog Bootsie had to have all his teeth removed because they were rotting and causing him pain. His previous owners did not take super good care of him. He is a senior dog and eats soft food now…

    I also like that Pet Premium offers personalized pet health profiles. They sound great, especially for a new pet insurance company!

  5. Reply
    Anastacia 02/15/2016 at 7:36 pm

    Wow! 97% of PetPremium customers would recommend them to friends looking for pet insurance. If their customers are that satisfied, they must be doing something right. Gives me a lot to think about. Thanks for all the great reviews on your site!

  6. Reply
    Justina Roberts 02/15/2016 at 7:45 pm

    Being about to choose my own veterinarian is super important to me, we’ve been with the same practice at least 16 years now. They’ve seen every cat, rat, rabbit, and dog we’ve had the past two decades. Reading that a lot of PetPremium customers would recommend the coverage to others is amazing, it’s a good feeling to be able to tell your friends and family about a service that really takes care of you.

  7. Reply
    Walter 02/15/2016 at 8:36 pm

    I love it when insurance companies takes dental care of pets ,having a large bernesse mountain dog is very hard to clean their teeths and pet premium is very cheap when you have a bernesse. Thank you for posting these reviews!

  8. Reply
    Dana Gore 02/16/2016 at 12:34 am

    I love that this company includes breeder reviews – because not all of them are alike. This definitely sets them apart from the others.

    I’ve watched several people take great care in choosing a breeder and it can be very time-consuming. Having a company offer unbiased reviews is a great idea. Over time, you would figure they’d get a good feel about certain breeders and their practices. This would be comforting to any prospective pet owner if they chose to go this route in regard to getting a pet.

    I also like that accident coverage is available immediately. You just never know when you might need that.

  9. Reply
    Graysse 02/16/2016 at 1:17 am

    For just $10 per month PetPremium takes good care of our dog. I don’t know what my family and I would do without this affordable and life saving insurance. Everyone should take care of their dogs this way

  10. Reply
    Starla Brunson 02/16/2016 at 5:51 am

    So far this company is on top of my list. I like that it has many great reviews and includes the dental. Not a lot of the companies that I have been researching offers dental in their plan. I also like that this company seems thorough and the coverage is available immediately. Although they are a newer company, they must be doing a lot to establish themselves with so many positive feedback. This site has been a tremendous help with all the insurance company reviews to look over.

    • Reply
      Jill Kelley 02/19/2016 at 8:25 am

      Having dental coverage has been so important for our dog. Before looking into insurance plans, we asked our veterinarian about scheduling a dental cleaning. It was going to be almost $1000! I want to keep taking our dog to this vet because she has been so helpful and kind. PetPremium is an excellent choice and you get to keep your regular vet! I think I’m going with this one!

  11. Reply
    lovely mcarthur 02/18/2016 at 6:28 am

    Very affordable for as low as 10usd per month! I will have peace of mind knowing that my cat is in good hands!

  12. Reply
    Penelope Gomez 02/19/2016 at 8:24 am

    I love the resources I get with PetPremium. It’s more than just pet insurance- it’s a guide to helping me manage my pet’s health. It can be difficult to sort out all of the information available on the Internet, and you don’t always know what sites you can trust. But with the free pet health resources, breeder reviews, and being able to track my dog’s health in her personalized profile, I feel much more confident about managing her care.

  13. Reply
    Ujjal Karmakar 02/19/2016 at 9:09 pm

    I heard many nice things about PetPremium insurance company. It has many awesome features that one can do insurance with this company. It has two premium plan which both are suitable. Monthly premium quote for low coverage offers Accidents only 70 percent reimbursement, $500 annual deductible, no annual limits level 1 plan and Monthly premium quote for plans with comprehensive coverage offers 90 percent reimbursement, $100 annual deductible, No annual limits, Level 3 plan. It is really amazing.

  14. Reply
    Lirodin 02/28/2016 at 3:37 pm

    My yorkies are my life and after one of them had an accident while traveling to the beach as the wind blew the door shut nearly breaking little Luna’s leg. I felt the need of finding her an insurance after paying her treatment full price. I realized I couldn’t continue having them not insured. It was a challenge for me finding the right insurance company as there’s so many around the internet and it’s really hard to sort out which ones real or aren’t, I stumbled upon Pent Insurance U and was blown away by how in detailed they explain their benefits and by all the different packages they offer plus all the positiveness the other people reviewed. I dediced to give it a try and honestly I have not been disappointed. I am at peace, knowing my yorkies are insured for life. I also love the fact that they even took my oldest yorkie in their insueance program, a thing which many other insurance would’ve never allowed. Ibuki, Luna and Panchita are grateful for your services!

  15. Reply
    john 10/29/2016 at 12:03 am

    Our dogs are family members and their health is so important, no one should have to choose between getting medical help for your pet or letting go because you can’t afford treatment. Pet health insurance is essential. This is an excellent insurance plan, especially for my senior dog.

  16. Reply
    Sarah Bott 10/29/2016 at 12:04 am

    I have not been happier with any insurance company than I have been with Pet Premium!

    They are so helpful both online and over the phone and are very personable.

    Their customer service is excellent, and the plan is easy to use anywhere!

    My dog is 10 years old and has had a few medical issues. Submitting a claim after the vet visit was easy, and I was reimbursed quickly once everything was processed. The company even called me to ask how my Bella was doing after her recent illness!

    • Reply
      Pet Insurance U 01/03/2017 at 11:44 pm

      Sarah, it’s great to hear that pet premium is working for you and that you where able to be reimbursed so quickly. Pet premium prides itself on personal, fast customer service making them top in the industry. Glad our information provided has helped you.

  17. Reply
    shaun wright 11/14/2016 at 12:55 am

    I am looking for an affordable pet insurance plan that offers a lot of coverage for very little money. Pet Premium looks affordable, but is it worth it? We have two dogs and a cat and want as much coverage as we can get for them. Do premiums increase or decrease with the amount of pets you own?

    • Reply
      Pet Insurance U 01/04/2017 at 12:09 am

      Shaun Pet Premium has a 97% recommendation from it’s customers. It’s good to know that you are researching and to answer your question, some companies do offer discounts for multiple pets added to policies. I would speak to Pet Premium personally to confirm what they offer as far as discounts.

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