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Pet Premium Review

Monday, August 2nd

2021 Pet Insurance Company Reviews

Pet Premium Review 3.5 Star Rating

Pet Premium

3.5 Star Rating
  • Cost: Plans starting at $8.46 for Accident-Only coverage
  • Plans starting at $9.91 for Total coverage

Pet Premium wants to be your top resource for pet protection, from insurance to helpful articles, and even to help you find your next furry mascot.

When it comes to pet insurance, Pet Premium has some pros and cons. For example, you're free to use any licensed veterinarian you like, but be aware that Pet Premium reimburses you based on a specified incident limit for the condition being treated, not for what you actually paid. In other words, if you have a world-renowned vet who charges more for her expertise, you probably won't be reimbursed for as much of the bill. That's not nearly as customer-friendly as pet insurance providers that pay out based on actual costs.

You'll choose between two types of coverage: Accident-Only and Total Coverage. Once you know which kind you want, you'll then be able to further customize your premiums according to the deductible, reimbursement level, and annual coverage limit. For our dog, a 7-year-old, mixed breed male, we were quoted $27.93/month for a plan that reimbursed 70% of each claim, with a deductible of $500 and an annual coverage limit of $2500. On the opposite end of the spectrum, we'd pay $104.02/month for a plan with no coverage limits, a $100 deductible, and a reimbursement level of 90%.

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If you have a kitten or a puppy, you can expect to pay much less. We entered information for a 6-month-old kitten at the highest deductible, lowest coverage limit, and lowest reimbursement level and were quoted less than $10/month for the Total coverage plan.

One plus with this provider: Pet Premium's deductibles are annual, not per visit or per condition.

Unlike some pet insurance policies, Pet Premium's come with add-on coverage for preventative/wellness care. Your cost depends on your pet's details, but you can expect to find Basic, Standard and Prime options; for our dog, we would spend anywhere from $9.95 to $24.95 per month for that additional service. Depending on what your pet actually needs during a year (a health certificate? Urinalysis? Deworming?), the extra premiums may not be worth what you get, so check the details carefully.

How does Pet Premium's reputation compare with insurance providers with a longer history? Overall, you could say that it's "so far, so good". Even though they've only been in business since 2013, Pet Premium is accredited with the Better Business Bureau and had an "A+" rating at the time of our review. There are also hundreds of reviews on the Pet Premium site with ratings of 4- and 5-stars; it's worth noting, though, that most of those seem to be collected before the customers have had a reason to use their pet insurance plan.

We look forward to getting more feedback from Pet Premium clients in the future, to better establish how well the provider does on paying on claims, not just having an easy process for becoming a policyholder. Until then, they stay in the middle of the pack among pet insurance companies.

Who Has the Best Pet Insurance?

Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

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Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.
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Continued from above...

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!

Compare Pet Insurance Companies

Select any 2 Pet Insurance Companies to compare them head to head

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  • Pets Best
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  • 24 Pet Watch
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