Coverage Plans

PetPremium helps to protect your dog and cat by giving your pet the best care possible. Both pet insurances have a 30-day money back guarantee if no claims are covered, so you can try them out risk free.


Accidents-Only Coverage
Reimbursement Percentage  70%, 80% or 90%
Annual Limit $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 or Unlimited
Annual Deductible $100, $250 or $500
Ongoing Conditions
Accidents 
Preventive Care (optional) 
TOTAL COVERAGE SM
Reimbursement Percentage  70%, 80% or 90%
Annual Limit $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 or Unlimited
Annual Deductible $100, $250 or $500
Ongoing Conditions 
Accidents 
Illnesses 
Hereditary & Congenital Conditions Conditions 
Alternative Therapies 
Behavioral Treatment 
Preventive Care (optional) 
Accidents-Only Coverage
TOTAL COVERAGE SM
Reimbursement Percentage  70%, 80% or 90%70%, 80% or 90%
Annual Limit $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 or Unlimited$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000 or Unlimited
Annual Deductible $100, $250 or $500$100, $250 or $500
Ongoing Conditions 
Accidents 
Illnesses 
Hereditary & Congenital Conditions Conditions 
Alternative Therapies 
Behavioral Treatment 
Preventive Care (optional) 

Add Optional Preventive Care

PetPremium also offers additional Preventive Care Options for wellness visits in all of our plans. The Basic Preventive Care costs only $9.95 per month, the Standard Care costs $14.95 per month and the Prime Preventive Care option costs only $24.95 monthly.

Compare Pet Insurance Plans of PetPremium

We offer two different Pet Insurance plans to help protect your dog or cat. With either plan, you can select an annual limit starting at $2,500 and going up to $20,000 or even unlimited. With each plan you can select an annual deductible of $100, $250 or $500. We reimburse up to 70%, 80% or 90% for eligible claims. The Accidents-Only Coverage covers Ongoing Conditions and Accidents. Total Coverage SM also adds illness coverage, including prescription medications, X-Rays, lab tests, surgeries, and hospitalizations. If you are looking for more information on our coverages, you can reach our customer care team by clicking here. If you choose a plan that covers accidents and illnesses, you will pay a higher premium for it than for a plan that only covers accidents. Similarly, if you choose a plan with a high monetary annual limit, you will pay more for it than for a plan with a lower annual limit. Also see our sample plans for a complete overview of what our plans cover in more detail.

For more information about our coverage plans visit our Help Center or read our latest pet insurance reviews to see why our clients choose PetPremium

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*Pet owners in New York get a pro-rated refund.

*Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit our resources page. Preventive Care reimbursements are based on a schedule. Customers enrolled on product Levels 1-3 should visit the Member Center for their policy benefits. Products and rates may vary and are subject to change. Plans are underwritten by United States Fire Insurance Company and administered by Fairmont Specialty Insurance Agency (FSIA Insurance Agency in CA), a Crum & Forster company. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company.