PetPremium

PetPremium is a pet insurance company covering accidents, illnesses and preventive care for dogs and cats in all U.S. states except Washington. You can use your coverage at any licensed vet in the U.S. or Canada. Pet owners can choose from multiple plan types and customize their deductible and reimbursement percentage.

PetPremium also has a vast knowledge center on its website with information about pet breeds, pet care and insurance.

To get PetPremium coverage, call for a free, personalized quote. PetPremium insures dogs and cats that are at least 8 weeks old. There is a 14-day waiting period if your plan includes illness coverage.

Once the policy is active, subscribers can submit a claim by mailing, faxing or emailing the one-page claim form along with itemized receipts. You can then track the status of the claim online. PetPremium’s policy is to pay claims within 30 days. The company accepts claims made within 270 days of treatment, and you have the option to get reimbursed via direct deposit.

PetPremium plans come with a 30-day money-back guarantee, so if you change your mind within 30 days of signing up, you get a full refund. Like other pet insurance companies, PetPremium doesn’t cover preexisting conditions.

PetPremium offers two main plans: Accident-Only and Total Coverage. The Total Coverage plan covers both accidents and illnesses.

The company offers wellness plans as an optional add-on, extending coverage to regular checkups, vaccines and more. You can choose either the Basic or Prime add-on plan.

PetPremium policies don't cover preexisting conditions. If the condition is curable and 180 days have gone by since the cure and the last treatment, the condition may be eligible for coverage. There’s also no coverage for claw removal, tail docking or certain dental treatments.

PetPremium covers dogs and cats that are at least 8 weeks old. It won’t cancel coverage based on your pet’s age, but the premium is subject to change. There is a 14-day waiting period for illness coverage and coverage for ligament and knee conditions.

The cost of a PetPremium policy depends largely on your pet's age and breed, your location and the type of coverage. For a lower cost, choose a higher deductible and a lower reimbursement percentage. PetPremium has deductible options of $100, $250 and $500 per policy period. It offers reimbursement percentage options of 70%, 80% and 90%.

You can also add a preventive care plan to cover wellness exams, vaccines, blood testing, urinalysis and more. PetPremium has two levels of plans; one costs $10 per month and the other costs $25 per month.

PetPremium accepts credit cards or automatic withdrawals; you can pay monthly, quarterly, semiannually or annually. There is a discount for insuring multiple pets.

PetPremium offers customizable pet insurance policies, with options ranging from accident-only coverage to comprehensive plans and preventive care add-ons. You can visit any licensed vet once any applicable waiting period is up. Pricing is only available over the phone, so call to get a quote for your dog or cat. All policies come with a 30-day money-back guarantee.