I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Apr 8, 2021

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PetPremium, a prominent pet insurance provider, which bills itself as “a concept” of software company ReviMedia, was founded in 2014, making it one of the more recent entrants into the pet insurance industry in the United States.

The company’s stated goals include helping animals and raising awareness about the value of pet insurance, since, despite the industry’s growth, only 3 percent of dogs and 1 percent of cats are currently insured. As pet parents, we know you don’t want to be placed in an awful decision of having to forgo your pet’s health care needs because of budget issues.

For its part, the New York City-based company offers two levels of customizable pet health insurance plans for pet care option, as well as optional wellness coverage.

In addition, PetPremium has an online pet portal (member center) on www.petpremium.com that connects pet owners to pet care, breeding services, and expert resources.

Let’s dive in to this pet insurance review, going in depth in their coverage plans.

PetPremium Pet Insurance Policies

petpremium

Though PetPremium does not insure any birds or exotic animals as some other pet providers do, the company does boast relatively flexible and comprehensive coverage for dogs and cats.

PetPremium has quite a bit of choice built into the platform, with the ability to choose from eight different annual deductible levels, three annual deductibles, and three percentage options for vet bill payouts or annual limits.

Policyholders can also elect to obtain coverage for wellness treatments by adding Basic Extra Care or Prime Extra Care for an additional cost to their monthly premiums.

PetPremium sets a minimum age of eight weeks for enrollment. There is no maximum age limit for the Accident-Only plan, but Total Coverage plan carries a maximum enrollment age of 12 years for dogs and 14 years for cats.

Costs associated with the diagnosis, treatment, or surgery of all ligament or knee injuries that occur during the first 12-month policy period after enrollment are not covered, while the waiting period for all other illnesses is a standard 14 days.

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Accident-Only Coverage

The more affordable but less comprehensive policy option for dogs and cats, this plan covers accidents, ongoing conditions, and alternative therapies like hydrotherapy, acupuncture, and chiropractic care.

However, it does so at the expense of illnesses and other medical issues.

Total Coverage

Though it’s likely to be considerably more expensive than Accident-Only coverage, the Total policy adds on to the more basic plan by providing coverage for:

  • Illnesses
  • Hereditary and Congenital Conditions
  • Behavioral Treatment
  • Hospitalizations
  • Emergency Care
  • Prescriptions
  • DiagnosticTreatments

PetPremium offers Total Coverage or Accident Only Coverage for your pet, along with the option to add on a Wellness Rider to help cover the cost of routine visits.

Wellness Plans

They offer two wellness plans additions for your pet’s health: Basic Preventative Care or Prime Preventative Care. Essentially each wellness plan works as a stipend for any preventative care your pet needs.

The Basic Care option covers roughly $40 towards any preventative care vet visit, even adding a $15 rabies vaccine stipend.

The Prime Care option is going to cover more services like dental cleanings and tick prevention but at a higher monthly premium add-on.

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PetPremium Quotes and Application Process

To get a free instant online quote, potential policyholders should begin by going to the PetPremium website and filling out a form that asks for the pet’s name, species, breed, sex, date of birth, and the owner’s zip code.

You will also need to indicate whether your pet has been spayed or neutered. As you enter these details, a helpful sidebar will calculate your recommended policy price in real time.

Next, you will be prompted to enter your first and last name, email address, and phone number, before being shown premium quotes for both accident-only coverage or the pricier, but more comprehensive, total coverage.

At this stage, you can also choose to add one or none of two preventative wellness care coverage options and further customize your plan by choosing the following options:

  • Annual Reimbursement Limit: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, or $20,000
  • Annual Deductible: $100, $250, or $500
  • Reimbursement Level: 70% 80%, or 90%

 

PetPremium Discounts

Insurance companies famously offer a variety of different discounts to appeal to individuals considering a policy. One especially common practice amongst pet health insurance companies that offer more than one type of pet insurance coverage is to provide a bundling discount to customers who combine two or more types of coverage, such as home and auto.

PetPremium, alas, only provides pet insurance, though it does offer a discount that is spiritually similar to the bundling discount.

Multiple Pet Discount

Pet owners with more than one four-legged family member can take advantage of the multiple pet discount, which provides savings of up to 10 percent for policyholders who enroll more than one pet.

PetPremium Reviews and Customer Service

PetPremium earns plaudits for its highly customizable nature, and some very comprehensive available coverage options, but loses some points due to the relatively high cost of the most all-encompassing policy plans.

PetPremium has been accredited by the Better Business Bureau since 2014, and currently enjoys a perfect A+ BBB Rating.

The insurer has no customer complaints and no customer reviews on BBB, which speaks to the relatively low profile that this fairly new pet insurance company continues to maintain in the industry.

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PetPremium Phone Number & Contact Information

  • Company Phone: (800) 935-7280
  • Headquarters Address: 44 Wall St Ste 505, New York, NY 10005-2401