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PetPremium is a pet insurance provider that aides pet owners in finding the perfect pet insurance coverage and plan. PetPremium’s primary mission is to help owners receive the guidance and information they need to make an informed decision about their pets health and their insurance coverage. PetPremium knows that vet visits can be pricey and the company focuses on informing people about the importance of pet insurance. 

The company functions with the mission to build strong connections between pet owners and vets, putting out articles written by veterinarians and animal experts that will help dog and cat owners get the most out of any of their vet visits. 

All PetPremium's pet health content is available in its pet health center and is free to pet owners to read and research to help keep their pets happy, healthy, and protected. 

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The Good

  • Free Quote
  • Two Coverage Plans
  • Wellness Options
  • 30-day Money-Back Guarantee
  • Waiting Period

Free Quote

Pet owners can fill out a simple form on the PetPremium website to receive a free quote. Simply enter your pet's information:

  • Name
  • Dog or Cat
  • Breed
  • Male or Female
  • Pet’s Birthday
  • Zip Code
  • Spayed or Neutered

If customers have additional pets they would like covered, PetPremium states they can be added on later in the process. 

Two Coverage Plans

PetPremium has two coverage plans for pet owners to choose from. Both of the policies have a 30-day money back guarantee*. 

Accidents-Only Coverage:

  • Reimbursement Percentage: 70%, 80% or 90%
  • Annual Limit: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 or Unlimited
  • Annual Deductible: $100, $250 or $500
  • Ongoing Conditions
  • Accidents 
  • Alternative Therapies
  • Veterinary Treatment (including exams, consultations, and lab tests)
  • Prescription Medications and Prescription Food (must be prescribed by your veterinarian; not for general maintenance or routine care)

Total Coverage:

  • Reimbursement Percentage: 70%, 80% or 90%
  • Annual Limit: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 or Unlimited
  • Annual Deductible: $100, $250 or $500
  • Ongoing Conditions
  • Accidents
  • Illnesses
  • Hereditary & Congenital Conditions
  • Alternative Therapies:
  • Behavioral Treatment:
  • Preventative Care Coverage (optional)

Wellness Options

Owners can choose between a Routine or Advance Wellness Plan. The Routine Wellness Care Coverage costs $10/month ($120 a year), while the Advanced Wellness Care Coverage costs $25/month ($300 a year). Members can add a wellness care plan to cover annual checkups, vaccines, and tests, microchips, or spaying/neutering. Flea/heartworm preventive medication and an annual dental cleaning are covered on the Advance Wellness option. 

Preventive Care (Optional)

  • Basic Monthly Premium: $9.95
    • Dental Cleanings (Dogs and Cats)
    • Wellness Exam
    • DHLPP Vaccine/Titer (Dogs), FVRCP Vaccine/Titer (Cats)
    • Rabies Vaccine/Titer or Lyme Vaccine/Titer (Dogs) 
    • Rabies Vaccine/Titer or FIP Vaccine/Titer (Cats)
    • Fecal Test
    • Heartworm Test (Dogs), FELV (Cats)
    • Deworming

Total Annual Benefit: $250

Annual Total Premium for Preventive Care: $119.40

  • Prime Monthly Premium: $24.95

Offers the same coverage as the basic preventive care option with the addition of:

    • Health Certificate
    • Bordetella Vaccine/Titer (Dogs)
    • FELV Vaccine/Titer (Cats)
    • Flea/Heartworm Prevention
    • Blood Test
    • Urinalysis

Total Annual Benefit: $500

Annual Total Premium for Preventive Care: $299.40

30-Day Money-Back Guarantee

Enrollment with PetPremium comes with the reassurance of a 30-day full refund guarantee. As long as customers don't receive any reimbursements for claims in the first 30 days of their policy, they can cancel it for a full refund in that period.

Waiting Period

The waiting period for illness coverage is somewhat average (30 days), but the good news here is that there is only a one-day waiting period for accident and wellness coverage. Any costs associated with the treatment, diagnosis, or surgery for ligament or knee conditions that occur during the first 12-month policy period are not covered. 

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The Bad

  • Premium Increase with Pet’s Age
  • Reimbursement Turnaround Time

Premium Increase with Pet’s Age

While PetPremium will never cancel coverage on a pet, the premium will adjust as the pet gets older. An older pet’s premium is going to be higher as they are more at risk for certain illnesses and conditions. 

Reimbursement Turnaround Time

PetPremium’s reimbursement turnaround time is relatively average for the pet insurance industry. The company typically averages to reimburse members in two weeks or less.  PetPremium’s policy is to reimburse pet owners within at least 30 days from receipt of all required information. 

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The Bottom Line

PetPremium’s two coverage plans seem to cover most things a pet owner would want, plus the fact that you can add on the wellness plan means customers can get the comprehensive coverage and peace of mind knowing that their pet is covered against accidents, illnesses, and all the routine care vet bills. The one-day accident and wellness waiting period is another nice component coupled along with the 30-day money-back guarantee, is a solid choice for pet owners.

However, owners with older pets might want to avoid this company as their pet’s premiums increase with age. Also, the reimbursement time is not as fast as others in the pet insurance industry. 

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