PetPremium Review

Top10.com Staff

In a Nutshell

PetPremium is relatively new on the pet insurance market, but it has already made a name for itself as a quality pet insurance provider. While the policies have relatively low per-incident caps, the most comprehensive plan is significantly cheaper than the competition. This makes it the best choice if you’re on a budget and don’t want to sacrifice quality.

pros

  • Dental cover
  • No lifetime caps
  • Optional wellness add-on

cons

  • Low per-incident limits
  • Hereditary coverage for Level 3 plan

PetPremium PetPremium Visit Site

Highlights

  • Three levels of cover
  • Affordable prices
  • 30-day money back guarantee

What’s Covered By PetPremium?

PetPremium has 3 levels of cover.

Level 1 is an accident-only plan. However, coverage extends to ongoing conditions, which are conditions that last longer than one policy period.

Level 2 adds illness cover to your policy. This includes diagnostic tests, hospitalization, surgery and prescription medication.

Level 3 is PetPremium’s most comprehensive plan. Besides accident and illness cover, you’ll also get cover for hereditary and congenital conditions, alternative therapy and behavioral therapy.

 PetPremium also offers wellness cover on all 3 levels as an optional add-on. There are two levels of wellness cover - Routine and Advanced. Both cover the same wellness expenses, but the Advance plan has higher payouts.

Limits and Deductibles

PetPremium’s policies do not have any lifetime caps.

However, they do have per-incident limits:

  • Level 1 pays out up to $2,500 per incident
  • Level 2 pays out $3,000 per incident
  • Level 3 pays out $5,000 per incident

Policies are also subject to an annual deductible. You can set your deductible at $100, $250 or $500 per year. 

Value For Money

Prices for a Level 1 accident only policy start at $9.65, which is quite cheap. The price of a Level 3 plan  - the highest level of cover possible - for a small cat, would only set you back $27.35 a month. This is much cheaper than a comparable level of cover from some other insurers, making it a great basic plan for the budget consious pet owner. 

Age Limits 

PetPremium does not have any age limits. You can start a PetPremium plan for your cat or dog at any stage of their life.

However, dogs over 9 years old and cats over 11 years old won’t be covered for ongoing conditions. This can be a problem, since older pets are more at risk of developing ongoing conditions. The age threshold is set quite low.

PetPremium PetPremium Visit Site

The Fine Print: What Isn’t Covered

Like most other insurers, PetPremium does not cover pre-existing conditions, including bilateral conditions. There is also a cap on the number of foreign object ingestions your pet can be treated for in a given policy period.

 Unfortunately, PetPremium only covers expenses it considers ‘usual and customary’, so it may be hard to know what’s covered. Unlike other insurers, PetPremium does make it clear that what is “usual and customary” is not just dependent on what is normally charged in your area, but also on what they determine using “proprietary data.” While the fact remains that this is all subjective, PetPremium is up-front about it. 

Conclusion

PetPremium offers good quality pet insurance policies at a very competitive price. While it does have relatively low per-incident caps, the level of cover offered at this price point is simply unheard of. This makes PetPremium a great choice if you’re on a tight budget but still want comprehensive cover for your pet.

Top10.com's editorial staff is a professional team of editors, writers and experts with dozens of years of experience covering consumer, financial and business products and services.

PetPremium customer reviews

Based on 10 reviews

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27 Sep 2020

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Top Reviews

Cassandra, MA
8 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

When I collaborate with this brand, I truly feel as though my dog is getting the best service. The price is reasonable for all that you're getting and frankly for me price is no variant when obtaining the best treatment for my pet. It is a quality business and I am proud to spend my money with these people.

Charles, CA
a year ago

Easy to use , great customer service, coverage for services, good payment options, my vets takes this insurance

Aegir, NH
10 months ago

They are very nice, cooperative people that understand my pets needs. They were able to work out an affordable plan with me when I told them it was a bit expensive for me.

Gene, VA
9 months ago

It paid when we needed it for our Tsi Tzu, to get his check-up and correct a small problem.

LC, CT
9 months ago

High deductible but offers piece of mind. Better coverage than comparable plans. Good website

Trudy, MI
8 months ago

I love how easy and quick it is, they make me feel like a valued customer, oh, and my pets as well!

Nikki, NY
9 months ago

Like any insurance company, not every treatment is covered nor is a larger amount of money reimbursed for various types of treatments. We get something back but it's not what you would expect as in personal insurances.

C, MD
a year ago

I wish it would cover more, especially medications and procedures. Pet expenses are extremely costly similar to those of humans.

Suman, WA
a year ago

I bought pet insurance for my cat this year. I had no claims nor any issue during signup. It was great.

Hill, PA
8 months ago

They do not cover pre-existing conditions, which made the insurance practically worthless for us & we cancelled it.

10 reviews