PetPremium Pet Insurance
$15–$65/month
PetPremium Review Summary
PetPremium, founded in 2013, is one of the steadier mid-tier options in pet insurance — no major controversies, no shutdowns, no distruptive acquisitions. For owners who've watched competitors like Bivvy exit the market and ManyPets transition to Odie, PetPremium's stability is a genuine selling point. Coverage includes hereditary conditions, cancer, and orthopedic issues without breed exclusions. The gaps are predictable: no dental illness, no exam fees, no behavioral therapy. Pricing is competitive in the mid-tier. For owners prioritizing operational stability over cutting-edge features, PetPremium is a reliable if unspectacular choice.
Pros & Cons
✅ Pros
- ✓Established since 2013 with a stable operational track record
- ✓Competitive mid-tier pricing
- ✓Covers hereditary and orthopedic conditions
- ✓No breed exclusions, no upper age limit
- ✓Optional wellness add-on
⚠️ Cons
- ✗No dental illness, exam fees, or behavioral therapy
- ✗No alternative therapy coverage
- ✗Coverage is basic compared to premium competitors
- ✗Claims processing can take 2-3 weeks
Coverage Details
| Monthly Premium | $15–$65 |
| Annual Deductible | $100–$500 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $2,500, $5,000, $10,000, Unlimited |
| Accident Waiting Period | 3 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ dental illness
- ✗ exam fees
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
- ✗ breeding costs
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