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.


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.


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.


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.

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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.

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