PetPremium Insurance Reviews – Is PetPremium Worth It?

pet premium insurance reviews

pet premium insurance reviewsPetPremium is a well-known pet insurance company that offers personalized insurance plans for cats and dogs. Founded in 2013 to help pet owners cover their pet’s medical expenses, this company also strives to educate owners on the importance of preventative care.

PetPremium is one of the leaders when it comes to customized insurance plans and offers pet owners an array of options to choose from. However, this personalized approach comes with a higher price tag, making the PetPremium pricier compared to competition.

In this article, we’ll take a look at PetPremium Insurance reviews, coverage plans, cost, and so much more. Continue reading to find out what PetPremium insurance has to offer and how to take full advantage of their personalized insurance plans.

As you may have guessed, there is no perfect pet insurance plan that will work for every single pet parent. While PetPremium’s pet insurance will give you peace of mind and keep your pet insured in the case of an emergency, it does have some drawbacks.

So, before you commit to an insurance package, take a look at the pros and cons of PetPremium insurance:


  • Customized insurance plans
  • Low deductibles
  • Superb customer service
  • Offers medical and wellness coverage


  • Coverage isn’t available in every state
  • PetPremium’s website is hard to navigate
  • Certain plans are unnecessarily pricey

Types Of Insurance Offered

To ensure their health insurance covers everything a pet owner would need, PetPremium offers various coverage plans. Within each plan, there are different levels of deductible and reimbursement options you can choose from to customize the insurance plan according to your liking.

Depending on your needs, you can choose one of the following PetPremium insurance plans:

  • Accident Only Plan: Only covers expenses resulting from an injury caused by an accident.
  • Complete Coverage Plan: Provides coverage for illness and accident related expenses.
  • Optional Preventative Care Plan: Can be added to one of the two main insurance plans as an allowance for preventative care expenses.

How To Get A Quote?

Like all other insurance companies, PetPremium determines quotes depending on the risk. Basically, the lower the chance of your pet developing a serious and expensive condition to treat, the lower the insurance quote.

To get a quote for your pet’s insurance rate, just visit the PetPremium’s website and fill out the free form. The whole process is very straightforward and won’t take more than a few minutes to complete.

In the quotation form, you’ll be asked to provide some basic information about your pet, such as their name, age, gender, breed, and where you live. After that, it’s up to you to decide about the deductible amount, reimbursement, and how much coverage you want.

What Does PetPremium Insurance Company Cover?

PetPremium, like all other pet health insurance companies, offers coverage plans that can be personalized to suit the needs of an individual owner and their pet. The company offers two coverage plans – Accident Coverage and Total Coverage plan.

Additionally, there is a Preventative Wellness Care coverage that can be added to either one of the two major plans.

Here’s what PetPremium plans cover:

Accidents Coverage

As its name suggests, the Accident Coverage covers expenses resulting from an injury that is caused by an accident. This means that the accident insurance will cover:

  • Surgeries
  • Hospitalization
  • Alternative therapies

The great thing about PetPremium pet insurance is that it offers you a chance to customize the plan according to your needs and liking. Therefore, you have the option to choose deductibles of either $100, $250, or $500 and the reimbursement rate of 70%, 80%, or 90%. 

Total Coverage

The Total Coverage plan builds on the accident-only plan and covers illness-related expenses such as:

  • Prescription medication
  • X-Rays
  • Lab tests
  • Surgeries and hospitalization
  • Hereditary and congenital conditions
  • Behavioral treatment
  • Alternative therapies

The Total Coverage plan can also be customized with deductibles, limits, and reimbursement rates so you can get the most out of the insurance coverage. When it comes to annual limits, PetPremium offers a large range of options, the lowest being $2,500 and ending with an unlimited amount.

Preventative Wellness Coverage

In addition to two main coverage plans, PetPremium insurance also offers a Preventative Wellness Coverage that can be added to either one of the main plans. This plan has three levels of coverage – Basic ($9.95), Standard ($14.95), and Prime ($24.95) 

The Wellness coverage is designed to serve as an allowance for various preventative treatments and procedures. Therefore, this type of coverage can come in handy for dental cleanings, vaccinations, fecal exams, heartworm tests, flea and tick treatments, and an array of other preventative care treatments.

The Preventative Coverage works as a straight-up reimbursement, so you won’t have to apply or meet your deductible. You’ll just need to go to a licensed vet, and your coverage will pay for the cost of the treatment.

Cost Of PetPremium Pet Insurance

The cost of PetPremium’s insurance plans varies widely and will ultimately be based on the risk. Some of the standard factors that will impact the rate of the premium include age, breed, gender, whether your pet has been neutered or not, and location.

It’s impossible to provide an exact rate for the accident and total coverage plans since the PetPremium’s system requires personal information. Therefore, you’ll need to fill out the quotation form with your pet’s information to get a better idea of how much the insurance is going to cost you.

However, the PetPremium lists the rates for Preventative Coverage, so it’s easy to determine how much the Wellness plans cost. The $250 plan comes with a $9.95 monthly rate, the $350 plan costs $14.95 a month, and $500 comes with a $24.95 monthly rate.

In terms of billing, PetPremium offers an array of different payment options and accepts monthly, quarterly, semi-annually, or annually payments. Furthermore, if you add any additional pets, you’ll get a 10% discount.

Customer Service & Satisfaction

Generally, owners are extremely pleased with PetPremium’s customer service, the coverage, as well as the company in general, even though there aren’t a lot of PetPremium insurance reviews online. The staff is knowledgeable about various coverage plans and always willing to guide potential clients and help you file an insurance claim.

However, some owners didn’t get the coverage they hoped for and had to wait over a month to get reimbursements for a claim. If you need comprehensive coverage for a senior pet, you should research Petplan insurance. You can find our full Petplan insurance review here.

Things To Consider When Purchasing Pet Insurance

Thanks to advancements in veterinary care, pets are living longer than ever before. But with extended life expectancy comes expensive medical costs that can be hard to cover without a pet insurance policy.

Here are some tips to help you find the best insurance policy for your pet:

  • Look for a trusted and stable pet insurance company with a proven track record
  • Compare different insurance companies to find the best coverage plan for your pet
  • Take a look at various insurance plans and pick a coverage that will work for your pet’s medical costs
  • Find out what’s covered and if certain pre-existing health conditions are excluded from the coverage
  • Compare the cost of the premium and the overall value of the coverage

Is PetPremium Pet Insurance Good?

When compared to other pet insurance companies, PetPremium offers a range of insurance plans for cats and dogs at slightly higher rates. If paying a monthly premium will put a strain on your budget, the Pet Assure discount plan might be a better option. Read our full Pet Assure review for more details.

Unlike other insurance companies, PetPremium stresses the importance of preventative care and has a great Wellness coverage plan. However, their website is a bit overwhelming and focuses more on care tips rather than pet insurance.

On the other hand, this company has amazing customer service and the staff gets involved on a personal level. So, even if the website is confusing, all the necessary information is a phone call away.

What Makes PetPremium Different From Competitors?

There are a few things that make PetPremium stand out from competition:

  • Comprehensive and personalized policies
  • Emphasis on preventative care
  • Competitive rates and multi-pet discount
  • Knowledgeable customer service

Final Thoughts

Overall, if you are searching for personalized insurance for your pets, one of PetPremium’s insurance plans might just be the thing you’re looking for. Before you make a final decision, read PetPremium insurance reviews online and check their website. This way, you’ll have all the information you need to get the best insurance policy for your pet.

PetPremium Insurance Reviews FAQs

Does Claiming Pet Insurance Increase The Premium?

In most cases, a pet insurance company will raise your premiums after the first claim. These companies think that once you’ve made one claim, you are more likely to make another, and as a result, they do increase the premium.

Do Most Vets Take Pet Insurance?

Generally, veterinarians will accept any pet insurance plan since they don’t have to work with a particular insurance company. Pet insurance works differently than health insurance for people, so you shouldn’t have any issues when failing a reimbursement claim, as in most cases, you pay first, and then file your claim.

Is There Pet Insurance That Covers Everything?

Pet insurance companies generally don’t cover grooming, boarding, pre-existing conditions, or taxes. But, many pet insurers have plans that cover everything else, including congenital and hereditary conditions, dental cleanings, preventative care, and much more.