PetPremium Reviews & Buyer Experiences

PetPremium acts as a pet insurance comparison broker, linking pet owners with a range of policies from various providers. It offers Accident-Only and Total Coverage plans, with flexible deductible choices and reimbursement rates. Coverage extends across all US states except Washington, with additional wellness care options available.

As a broker, PetPremium facilitates access to competitive premiums, but does not underwrite policies or manage claims. Customers complete purchases and handle claims directly through individual insurance companies. This model provides a streamlined way to compare plans while accessing customizable coverage features.

PetPremium Features

• Access to multiple providers and plan options
• Deductibles customizable between $100 and $500
• Reimbursement rates ranging from 70% to 90%
• Wellness care add-ons available
• Coverage available in all states except Washington

PetPremium's Accidents-Only plan provides coverage for treatment related to accidental injuries, including hospitalization and surgery. Customers can choose from deductible options of $100, $250, or $500, with reimbursement rates of 70%, 80%, or 90%, and annual limits ranging from $2,500 up to unlimited to accommodate different budgets.

This plan is designed for pet owners seeking essential accident protection without illness coverage. Accident coverage begins immediately upon enrollment, offering quicker protection compared to some other providers.

PetPremium Accidents Only Coverage

Price $100 • petpremium.com

RESERVE YOUR MATCH

The Total Coverage plan covers pets for both accidents and illnesses, including degenerative, hereditary, and congenital conditions. It also includes alternative and behavioral therapies. Deductibles range from $100 to $500, with reimbursement rates between 70% and 90%, and annual limits vary from $2,500 to unlimited.

This plan is suitable for pet owners who want broader protection for unforeseen illnesses as well as accidents. A 14-day waiting period applies to illnesses and some orthopedic conditions. 

PetPremium Total Coverage

Price $100 • petpremium.com

RESERVE YOUR MATCH

PetPremium offers three tiers of wellness care add-ons: Basic at $9.95 per month, Standard at $14.95 per month, and Prime at $24.95 per month. These plans include coverage for routine services, such as vaccinations, dental cleanings, flea and heartworm prevention, diagnostics, and wellness exams.

These add-ons help pet owners manage out-of-pocket expenses ranging from routine care to accident or total coverage. Each tier has a clearly defined annual maximum benefit ranging from $250 to $500, depending on the selected plan level.

PetPremium Wellness Coverage Add-ons

Price $9.95 • petpremium.com

RESERVE YOUR MATCH

PetPremium offers a broad selection of policy options from multiple providers, allowing pet owners flexibility in choosing deductibles, reimbursements, and wellness coverage add-ons. Policies are accepted at any licensed veterinary clinic across the U.S. and Canada, with accident coverage starting immediately. Additional benefits include multi-pet discounts and a 30-day money-back guarantee if no claims are filed.

However, the claims process is less convenient, as it cannot be completed online or through an app, requiring submission by mail, email, or fax. There are age restrictions for comprehensive coverage, and some customers report challenges in reaching support promptly. The website also lacks free online quotes, which may affect ease of access to pricing information.

Customers appreciate PetPremium for its flexible pricing and customizable coverage options. The accident-only plan and wellness add-ons receive particular praise for meeting specific needs effectively.

Users highlight details about claim handling, noting that understanding coverage exclusions can help manage expectations. Many also share their experiences with customer support, emphasizing the importance of timely communication during the claim process.

Overall, PetPremium appeals to pet owners who value adaptable insurance solutions and are attentive to the details involved in managing their policy and claims.

PetPremium provides a 30-day money-back guarantee on new policies, as long as no claims have been filed during this time. To qualify, customers must cancel within 30 days of activating their coverage.

Cancellation within the trial period incurs no fees, but a written request is required. After 30 days, the standard terms of the policy apply, and refunds are not assured.

This policy offers a risk-free opportunity to evaluate coverage suitability while ensuring clear guidelines for cancellations and refunds.

PetPremium operates solely as a pet insurance provider and does not ship physical products. All policy documents and communications are delivered either electronically via email or through postal mail, depending on the customer's preference.

Since there are no physical items involved, there are no shipping timelines or regional shipping restrictions to consider.

PetPremium offers a 30-day money-back guarantee that allows customers to cancel their policy within that period without any claims.

The insurance policies do not include traditional warranties but are governed by terms, conditions, exclusions, and limitations set by the underwriters.

Pre-existing conditions are excluded unless the condition has been cured and is free of treatment for at least 180 days.

This approach provides financial protection during the initial trial while ensuring coverage aligns with the policy guidelines.

If you have questions or need assistance, PetPremium offers several ways to get in touch with its customer service team.

• Email: [email protected]
• Phone: Call +1-800-935-7280 to speak with a representative.
• Address: Visit or send mail to 44 Wall St Ste 505, New York, NY 10005.
• Support Hours: Email and phone support are available during regular business hours.