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 Reviews

Updated 3/1/17 by Dr. Pippa Elliot

PetPremium is backed by Hartville Pet Insurance Group, the same insurer that backs ASPCA Pet Insurance. Although our veterinarians ranked PetPremium 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 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 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 Q & A

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.

Does PetPremium offer any discounts?

Yes, if you pay annually you will not pay the monthly installment fee.

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

You are not reimbursed based on the actual total of the vet bill. The actual reimbursement amount is based on PetPremium’s incident limit for each specified condition.

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.


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!


  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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