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PetPremium Pet Insurance Reviews

PetPremium is funded 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. The first is just for accidents and the second is for all accidents and illnesses and some listed treatments.

If you are considering a wellness plan, you can add that to your base plan as well.

Coverage with PetPremium is not offered in all states.

If you are only looking for some basic coverage, an Accident-only plan could work.  While only for accidents, it can help for any sudden emergencies that you might need help to cover.

This is a good plan to keep your premiums lower.

The Total coverage option, while having higher premiums, will cover all accidents and illnesses.

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

Fetch a Quote with PetPremium

PetPremium’s Wellness Plan

PetPremium offers two optional wellness plan: Basic Preventive Care or Prime Preventive Care.

The Wellness plans works as a stipend towards different treatments and procedures.

For example, with PetPremiums basic wellness plan, you can get as much as $40 for any preventative care vet visit.  And even a rabies vaccine is included with a $15 allowance.

The more expensive wellness plans give you more allowance towards each procedure.

This plan also includes a wider range of services such as tick prevention and dental cleaning.

PetPremium’s Other Conditions and Treatments

Similar to other pet insurance plans, PetPremium, under the Total Coverage plan includes the following:

  • Diagnostic testing
  • Hospitalization
  • Prescriptions
  • Emergency visits
  • Behavioral Care

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

PrePremium’s Coverage of 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 from PetPremium

A senior dog or cat might not have continued care options and lose their coverage. Dogs can not be more than twelve to enroll and cats can be up to 14 years old.

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 of PetPremium Pet Insurance

PetPremium offers many different benefit limits.  Some of your options are the following: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 to unlimited.

The above listed annual limits are only available in the Total Coverage plans and Accident-only plans.

PetPremium’s lower level plans have benefit levels that are only a per-incident limit for each condition or accident that occurs.

PetPremium Reimbursement Method

Both Accidents-Only Coverage and Total Coverage offer:

  • 70%
  • 80%
  • 90%

For accident-only plans, you will get reimbursed for just accidents according to the level you chose.

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 of PetPremium Health Insurance

PetPremium offers 3 different deductible choices:

  • $100
  • $250
  • $500.

If you want a lower premium, you will need to choose a higher deductible.

These choices are acceptable, however, some of the other pet insurance companies that we reviewed gives 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 is the least expensive of all the other companies we have reviewed but only in the lower level plans.

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

The price of their wellness plans range from $9.95 a month for the basic plan and $24.95 each month for the higher end wellness plan.

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

PetPremium Claims Process

The claims process is fairly straightforward.

You can just go to their site and get the form there.  Fill it out and either mail it back, fax it or email it.

They will usually reimburse you within 30 days.

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 have a mobile app or an option to use direct deposit.

Enrollment & Waiting Periods of PetPremium

Cats and dogs must be 8 weeks old to enroll in PetPremium with the oldest cat allowed to enroll at 14 years old while dogs cannot be older than 12.

There is the typical 12 month waiting period for knee or ligament issues and a 14 day waiting period for any illness.

PetPremium Reviews from Customers

“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?

Are there any limitations on coverage?

Similar to most pet insurance companies, you pet will not be covered for any pre-existing illness, disease, or injury.

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 is available from 8am-9pm EST from Monday-Friday, and 9am-5pm EST on Saturday’s.

You can call them at: 1-800-935-7280.

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!

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

  1. 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.

  2. 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

  3. 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!

  4. 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!

  5. 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.

  6. 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.

  7. 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!

  8. 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.

  9. 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.

  10. 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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