Pet Insurance Blog

Is PetPremium Pet Insurance Good? Here's How It Stacks Up

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
girl holds cat's head in hands

PetPremium is a pet insurance company that operates in all US states (except Washington), offering Total Coverage and Accident-Only policies, as well as an option to add wellness coverage at an additional monthly fee. But is this insurance the right choice for you and your pet?

Learn more about PetPremium's policies, prices, unique features, reimbursement times, and more so that you can choose the best for your pet and your budget.

Table of Contents

What’s the word on PetPremium Pet Insurance?

PetPremium was founded in 2013. The company’s pet insurance policies are underwritten by the United States Fire Insurance Company and administered by C&F Insurance Agency. PetPremium covers illnesses, accidents, and preventive care for dogs and cats in all 50 states except Washington.

An overview of PetPremium Pet Insurance

Available plans

PetPremium offers two types of coverage plans: Total Coverage and Accidents-Only.

  • The Total Coverage plan covers all services related to accidents and illnesses, including diagnostic testing, prescriptions, hospitalization, emergency visits, behavioral care, as well as congenital and hereditary conditions that are not predisposed.
  • The Accident-Only plan only covers services resulting from injuries related to accidents, including hospitalization and surgery.

Both plans, Total Coverage and Accident-Only, offer alternative care choices such as hydrotherapy, acupuncture, and chiropractic care.

There are also three different levels for Preventive Care Options: Basic, Standard, and Prime. These preventive care riders come at different annual maximums for a variety of treatments including wellness exams, dental cleanings, fecal tests, vaccinations, urinalysis, deworming, heartworm tests, heartworm and flea prevention, etc.

There’s a 14-day waiting period for illness claims, as well as for ligament and knee conditions, but accidents are covered the day after enrollment. For cruciate ligament repair, the waiting period is 12 months.

Exclusions

As with all other providers, PetPremium doesn’t offer pet insurance for pre-existing conditions. However, the condition might be eligible for coverage if it is curable and 180 days have passed since the last treatment.

The company also doesn’t cover boarding, breeding and pregnancy, grooming, prescription food, vitamins and supplements, dental cleanings, as well as injuries and illnesses resulting from maliciousness or neglect.

Pricing

The cost of your pet insurance plan will depend on several variables, including your pet’s age, breed, and location, as well as how much coverage you want, how big a deductible you are willing to pay, and how much of a reimbursement you select.

PetPremium offers a wide variety of options for their pet insurance plans.

  • Deductible options: $100, $250, or $500
  • Reimbursement rates: 70%, 80%, and 90%.
  • Annual limits: $2,500 to unlimited
  • Optional wellness plan maximum benefit: $250, $350, or $500

The Basic, Standard, and Prime preventive care options are a flat fee, coming in at $9.95, $14.95, and $24.95 per month respectively.

Discounts

PetPremium offers a 10% discount for insuring multiple pets.

Claims and reimbursement times

PetPremium doesn’t have an option for customers to file claims directly online or through a mobile app. Instead, they need to download the claim form from their website and email, mail, or fax it to the company. However, there is an option to track the claim status online.

The company accepts claims made within 270 days of treatment and usually pays within 30 days. Customers also have the option to get reimbursed via direct deposit.

What we like about this coverage

What distinguishes PetPremium from other pet insurance providers is that their accident coverage comes into effect at the policy start date. Just for comparison, AKC Pet Insurance requires a waiting period of two days before customers can file a claim for an accident, whereas Spot Pet Insurance requires customers to wait 14 days for accidental claims.

Another thing that makes PetPremium unique is its website. The company believes that getting in front of a problem before it happens is the best way to help prevent medical issues and lower pet parents' expenses. For this reason, PetPremium has also created an extensive library filled with care tips, research, and more to help pet parents keep their pets in good health.

The Accident-Only plan still covers a lot, which makes it perfect for owners who only want this type of coverage. And, PetPremium has a 30-day money-back guarantee, so if a customer changes their mind within 30 days of signing up, they get a full refund.

What could be improved

The Total Coverage plan comes with an upper age limit. The minimum age is eight weeks, but senior pets might not have continued care options and lose their coverage. Cats can not be more than 14 years old to enroll and dogs can be up to 12 years old. Older pets can only be enrolled under the Accidents-Only policy.

The wide range of deductible and reimbursement choices offers an opportunity for pet owners to adjust their plans to various budgets, but this can also make selecting a plan more confusing. The annual limits can also make monthly costs rise.

Unlike many competitor companies such as MetLife and Healthy Paws, PerPremium doesn’t offer online claim filing.

Is PetPremium Pet Insurance worth it?

PetPremium offers customizable policies, with options including Accident-Only coverage, comprehensive accident and illness plans, as well as preventive care add-ons. It’s a perfect fit for pet parents concerned about accidents, as well as those with specific coverage features in mind.

The main drawback is that the company’s website is a bit overwhelming, with lots of content unrelated to pet insurance, not enough information on rates, and a quoting system that requires contact information. All this might encourage potential customers to continue their search.

If you are not sure if PetPremium is the best choice for you and your pet, we recommend you check Pawlicy Advisor’s pet insurance blog or use our pet insurance comparison charts to evaluate top providers’ plans side-by-side.

Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

Analyze My Pet

About Pawlicy Advisor

The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances!

Pawlicy Advisor helping a pet parent and their dog find a great deal on insurance

Instantly Compare Pet Insurance Plans

Get Quotes

Guides

How Pet Insurance Works

How To Compare Plans

Determine If Pet Insurance Is Worth It

Determine If Wellness Plans Are Worth It

Vet Visit Costs

New Puppy Checklist

Comparison Charts

ASPCA vs. Pets Best

Pets Best vs. Embrace

Embrace vs. Pumpkin

Pumpkin vs. MetLife

More Comparison Charts

Find Your State

New Jersey

California

Florida

Oregon

Texas

New York

Colorado

Pennsylvania

More States

Dog Insurance

German Shepherd

Rottweiler

Akita

Boxer

English Bulldog

French Bulldog

Great Dane

Pug

Corgi

Chihuahua

Poodle

More Breeds

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

More you might like

family and dog in rv
2 minute read
American Family Pet Insurance Review
get pet insurance through Pawlicy Advisor on TheZebra.com
2 minute read
Pawlicy Advisor Announces Partnership with The Zebra
dog with woman on computer
6 minute read
Is Farmers Pet Insurance Good? Here's How It Stacks Up
blue ribbon dog show winner
5 minute read
Is PetPartners Pet Insurance Good? Here's How It Stacks Up

5 minute read
Can You Switch Pet Insurance?
family at vet with dog
9 minute read
Pet Insurance vs Human Health Insurance
family in the kitchen with cat
4 minute read
Is Costco Pet Insurance Good? Here's How It Stacks Up
dog sits at desk with man
5 minute read
Allstate Pet Insurance Review
professional trainer walks dog pack on leash
4 minute read
Spot Pet Insurance Review
man petting golden retriever
5 minute read
Is USAA Pet Insurance Good?
beagle happy to get pet insurance
4 minute read
Liberty Mutual Pet Insurance Review
woman on computer next to dog
6 minute read
NAPHIA Director Kristen Lynch On Pet Insurance Market Penetration
Kitten gets scratch under skin
5 minute read
AKC Pet Insurance Review
Black and orange cat receives pet
5 minute read
Nationwide Pet Insurance Review
Man holding beagle dog
6 minute read
Geico Pet Insurance Review
Chocolate puppy held by owner
5 minute read
Progressive Pet Insurance Review
Pug puppy and young woman
7 minute read
Is Healthy Paws Pet Insurance Good?
Trupanion pet insurance can pay your veterinarian directly. But is it good pet insurance? Here’s what you need to know.
5 minute read
Is Trupanion's Pet Insurance Good?
Man holding new puppy
10 minute read
When's The Best Time to Get Pet Insurance?
Old Beagle dog sitting next to senior woman
9 minute read
Is Pet Assure Any Good? Here's How It Stacks Up
Woman sitting at desk signing paper with dog on lap
9 minute read
When Is Pet Insurance A Great Decision?
Beagle dog waiting
7 minute read
How Soon Does Pet Insurance Take Effect?
Woman hugging black dog with open mouth
8 minute read
Pet Dental Insurance: How to Find the Best Plan
Pawlicy Advisor Team with Logo
4 minute read
Pawlicy Advisor Raised $6.5M To Help Pet Parents Afford Unexpected Veterinary Treatment
Senior boxer dog
7 minute read
Pet Insurance For Older Pets: Is It Worth It?
walmart storefront
8 minute read
Is Walmart Pet Insurance Good? Here’s How It Stacks Up
banfield pet insurance wellness info and review
9 minute read
Banfield Wellness Plan Info & Review: Everything You Need to Know
wagmo wellness info and review
10 minute read
Is Wagmo Pet Insurance Good? Here's How It Stacks Up
Canine Journal vs. Pawlicy Advisor
10 minute read
Canine Journal vs. Pawlicy Advisor: Which is Best For Pet Insurance
dog looking out window
2 minute read
Three Things to Look for When Comparing Pet Insurance Companies
petinsurancereview vs pawlicy advisor pet insurance
10 minute read
PetInsuranceReview vs. Pawlicy Advisor: Which Is Best For Pet Insurance?
Policygenius vs Pawlicy Advisor pet insurance
10 minute read
Policygenius vs. Pawlicy Advisor: Which is Best for Pet Insurance?
lemonade's pet insurance cats and dogs
9 minute read
Is Lemonade's Pet Insurance Good? Here's How It Stacks Up
Happy dog receives affection from owner
13 minute read
Are Pet Wellness Plans Worth It For Routine Care?
Kitten at a veterinary appointment
13 minute read
Is Cat Insurance Worth It? Ask An Expert
happy pet parent loving on her dog
22 minute read
Fascinating Pet Insurance Statistics 2019-2020
Dog at a veterinary clinic
14 minute read
Is Pet Insurance Worth Getting for Your Dog?
Two dogs running happy and healthy
10 minute read
Pet Insurance for More Than One Pet: Multi-Pet Discounts And Strategies
smiling dog
7 minute read
3 Ways To Use Pet Insurance Like A Pro
rescue dog and cat
14 minute read
Pet Insurance For Rescue Dogs (And Cats) - It's Easier Than You Think
cat and dog together outside
17 minute read
How to Get the Best Pet Insurance Plan, No Matter the Provider
dog with loving pet owner
17 minute read
Average Pet Insurance Cost in 2022 by Breed, Age, & State
pet insurance comparison showcase
17 minute read
How To Compare Pet Insurance Plans
Dog covered from bad weather under Pawlicy umbrella
18 minute read
How Pet Insurance Works: Your Essential Guide
Puppy Dalmation at a veterinary checkup.
15 minute read
Is Pet Insurance Worth It? Here's A Vet's Perspective
Puppy Dalmation at a veterinary checkup.
16 minute read
Is Pet Insurance Worth It? Here's A Vet's Perspective
Pet Parent and Happy Dog
3 minute read
New Funding to Transform the Pet Insurance Industry
A well-informed dog reads a magazine.
2 minute read
FAQ: Pet Insurance Simplified
pug with pre-existing condition wrapped in a blanket
7 minute read
Is There Pet Insurance That Covers Pre-Existing Conditions?
A hard-working professional dog at its desk.
2 minute read
Why HR Managers Should Offer Pet Insurance
Back to Blog
A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Embrace Pet Insurance Logo
Pumpkin Pet Insurance Logo
MetLife Pet Insurance Logo
Prudent Pet Insurance Logo