Pet Premium Pet Insurance Review

Our Rating

8 Business Ratings

9 Coverage Options

9 Claim Services

8 Help and Support

Pet Premium Pet Insurance scored really well for coverage and claims however they weren’t our top pick when we look at the overall aspects of each company.

History of Pet Premium Pet Insurance – How it all Started

Pet Premium Insurance cares about animals and their goal is to educate as many people as they can about the benefits of pet insurance. NOT so they can sell policies but because they are sincere in their quest to help keep animals healthy and safe.  The more people they reach with the message of how important it is to have health coverage for their pets, the more animals they can improve the lives of. Their goal is to have pet owners be able to look at their pets and not have to worry about vet bills and health costs.

Their focus is on a strong relationship with not only their customers, but their employees, vendors, and business partners too.  The foundation of the Pet Premium Company is open communication that is honest and reliable. They do what they claim they do and that builds trust within the entire Pet Premium Company.

Because of the nature of the pet insurance business, they know that not all contact with pet owners will be happy contact. When a pet is sick or injured, pet owners are upset, anxious and stressed. Pet Premium Insurance is not about being fake; they’re about getting results and getting the pets taken care of, with compassion and understanding for the pet owners as well.

The exceptional leadership in this company is committed to providing all PetPremium staff with the knowledge and tools they need to prevent having a negative effect on the environment. They are also about implementing ways to effectively minimize waste and to help their employees reduce, reuses and recycle materials including conserving energy and water.

Although this does not affect their policyholders directly, what it does do is establish the company as one that cares about the environment as a whole, including the animals that live in it.  They know that healthy, happy pets equal happy pet owners and that is their mission: to give you the guidance and health plans that can get your pets healthy and keep them that way.

Sadly, only 3% of dogs and 1% of cats are insured for accidents and illnesses, yet the vet’s offices are full each day of pets that are either sick or injured. The pet owners are struggling to pay the bills and in some cases, animals have to be put down due to economic reasons.  Vet visits and medical treatments for pets can be costly, but Pet Premium can help reduce those costs significantly.

Pet Premiums plans can cover up to 90% of vet bills! Can you imagine how much help that is to those who have to bring in sick and injured pets?  Through open, honest communication the staff at Pet Premium can assist pet owners with choosing and securing the right coverage for their pets at a price they can afford reducing the worry that can go along with pet ownership.

They have three levels of coverage along with wellness options that can fit every need and every budget.  Even though many pet owners don’t realize the benefits of pet health insurance, the number of insured pets is growing and Pet Premium’s goal is to raise those numbers more every day.

Qualification Process for Getting Your Pet Insured

You can get your pet insured very easily right on the Pet Premium website. To start the process rolling all you need to do is click on the get a quote tab. You’ll be taken to a page that will need a bit of information from you including:

  • Pet’s name
  • Breed
  • Age (birthdate or as close as possible)
  • Zip code
  • Are they spayed or neutered?
  • Do they currently have a condition they are on meds for, or are they showing signs of a condition? Have they had surgery?

Once you click continue, fill out your personal information including your name, email address and phone number. Next you will be on the page where you can select the plan you want. This is an important page as this will determine what your monthly charge will be.  You will choose:

  • Level 1, 2, or 3
  • Deductible amount – $100, $250 or $500
  • Reimbursement amount – 70, 80, or 90%

You’ll also choose the wellness program you want if any from the basic wellness plan to the advanced wellness plan. Wellness plans help take care of exam fees, flea and heartworm prevention, shots and more.  It is not mandatory but it can help a lot with the routine care that you need to have for your pets.

Once all this is chosen, you’ll see a summary page of everything you have selected, the policy start date and your monthly payment.  Here you can also choose how often you want to pay; monthly, quarterly, semi-annually and annually.

Your last and final step is to input contact information and your billing information. (The credit card you will be paying with.)  That’s all there is to it. Now your pet will be covered soon, after the waiting periods for a host of illnesses and accidents and injuries that can commonly befall pets.  They offer a 30 day money back guarantee in case you are not happy with something, but there are no hidden fees or agenda with Pet Premium, so you can rest easy that the coverage you chose is exactly what it said it was on the website.

Coverage Plans Pet Premium Pet Insurance Offers

There are three plans of coverage to choose from at Pet Premium. In addition, you can choose from two levels of wellness care. The specifics of each are outlined below.

Level 1 – Accident / Ongoing Coverage

Level 1 is great for those looking to cover only the emergencies that occur when a pet has been involved in an accident.  There is no illness coverage on this plan.  It is a popular choice among pet owners of much older dogs and cats. There is a $2500 incident limit. You can choose to get wellness care with this plan. Included in this plan is:

  • Broken tooth extraction
  • End of life expenses (not due to economic Euthanasia)
  • Exams including ER visits due to injury
  • Hospitalization
  • Nursing care
  • IN Fluids
  • Lab tests
  • Medical supplies
  • Poison control consult fees
  • Prescription meds
  • CAT, MRI, ultrasound and X-rays
  • Surgical treatment

NOT covered under level 1

  • Pre-existing conditions
  • Waiting periods
  • Any illness
  • Any wellness care
  • Any elective or preventative care
  • Hereditary, congenital and genetic conditions
  • Alternative therapy
  • Anal gland expression (with no infection present)
  • Behavioral Therapy
  • Boarding
  • Costs about the usual and customary amount for your area
  • Cosmetic and elective procedures (cropping, docking, etc)
  • Grooming and grooming supplies
  • Diet, vitamins and supplements
  • Dental cleanings
  • Intentional injury by you or a member of the household
  • Injury cause by neglect
  • More than one surgical procedure per 12 month period to remove foreign body from stomach
  • Training devices and toys
  • Non-vet services (administrative)

Level 2 –Illness/Accident Coverage

Level 2 is a little more advanced and has illness coverage as well as accident coverage. There is a $3000 incident limit in this plan and pet owners can choose to get the wellness plan add-on as well.  This plan includes:

Accident –

  • Broken tooth extraction
  • End of life expenses (not due to economic Euthanasia)
  • Exams including ER visits due to injury
  • Hospitalization
  • Nursing care
  • IN Fluids
  • Lab tests
  • Medical supplies
  • Poison control consult fees
  • Prescription meds
  • CAT, MRI, ultrasound and X-rays
  • Surgical treatment

Illness –

  • Expenses listed in above list when caused by illness
  • Cancer treatments
  • Tooth extractions

NOT covered by the Level 2

  • Pre-existing conditions
  • Waiting periods
  • Any illness
  • Any wellness care
  • Any elective or preventative care
  • Hereditary, congenital and genetic conditions
  • Alternative therapy
  • Anal gland expression (with no infection present)
  • Behavioral Therapy
  • Boarding
  • Costs about the usual and customary amount for your area
  • Cosmetic and elective procedures (cropping, docking, etc)
  • Grooming and grooming supplies
  • Diet, vitamins and supplements
  • Dental cleanings
  • Intentional injury by you or a member of the household
  • Injury cause by neglect
  • More than one surgical procedure per 12 month period to remove foreign body from stomach
  • Training devices and toys
  • Non-vet services (administrative)

Level 3 – Illness/Accident Coverage – Highest Plan available

Level 3 is the most coverage you can get at Pet Premium. You can also choose a wellness program to go along with your plan. There is a $5000 incident limit.  The specific of level 3 are similar to level 2, you just get higher limits. Included in this level is:

Accident –

  • Broken tooth extraction
  • End of life expenses (not due to economic Euthanasia)
  • Exams including ER visits due to injury
  • Hospitalization
  • Nursing care
  • IN Fluids
  • Lab tests
  • Medical supplies
  • Poison control consult fees
  • Prescription meds
  • CAT, MRI, ultrasound and X-rays
  • Surgical treatment

Illness coverage –

  • Tooth extractions caused by accident
  • Cancer treatments
  • The procedures listed above in the accident section when it has to do with an illness

Things NOT covered by level 4

  • Pre-existing conditions
  • Waiting periods
  • Any illness
  • Any wellness care
  • Any elective or preventative care
  • Hereditary, congenital and genetic conditions
  • Alternative therapy
  • Anal gland expression (with no infection present)
  • Behavioral Therapy
  • Boarding
  • Costs about the usual and customary amount for your area
  • Cosmetic and elective procedures (cropping, docking, etc)
  • Grooming and grooming supplies
  • Diet, vitamins and supplements
  • Dental cleanings
  • Intentional injury by you or a member of the household
  • Injury cause by neglect
  • More than one surgical procedure per 12 month period to remove foreign body from stomach
  • Training devices and toys
  • Non-vet services (administrative)

Routine Wellness – $200 benefit per year

Wellness Exam  $40.00

Heartworm Test (Dogs)

FELV Test (Cats)                $15.00

Fecal Screen       $15.00

DHLPP Vaccine/Titer (Dogs)

FVRCP Vaccine/Titer (Cats)          $15.00

HRabies Vaccine/Titer OR Lyme Vaccine/Titer (Dogs)

FIP Vaccine/Titer (Cats) $15.00

Microchip OR Urinalysis $20.00

Spay/Neuter OR Wellness Blood Test     $80.00

Total Cost of Wellness (Annual) $120.00

Advanced Wellness – $400 benefit per year

Wellness Exam $50.00
Heartworm Test (Dogs)

FELV Test (Cats)

$15.00
Fecal Screen $15.00
DHLPP Vaccine/Titer (Dogs)

FVRCP Vaccine/Titer (Cats)

$15.00
Rabies Vaccine/Titer OR Lyme Vaccine/Titer (Dogs) OR

FIP Vaccine/Titer (Cats)

$15.00
Microchip OR Urinalysis $20.00
Spay/Neuter OR Wellness Blood Test $100.00
Bordetella Vaccine/Titer (Dogs) FELV Vaccine/Titer (Cats) $15.00
Flea/Heartworm Prevention $55.00
Dental Cleaning $100.00

Filing a Claim with Pet Premium Pet Insurance

Filing a claim with Pet Premium is easy.  When you’re pet is sick or injured, you don’t want to have to worry about the hassle of filing claims and that is why Pet Premium made it so easy to do.  You can download a form right from the website that will need to be filled out. The claim for is divided into three sections.

  • General information
  • Diagnosis/Symptom Information
  • Pet Owner Declaration

The first section is about you and your pet so we know who the claim is for. You can only submit claims for animals that are actually on the policy. The next section is about why your pet is being seen. This will include diagnosis information and symptoms the pet was having. In many cases the vet will fill this out if you ask him/her to.  After reading the Declaration that is on the form, you will need to sign it and date it.

Claims can be faxed, emailed and regular mailed to the company. Keep in mind they try to move as fast as possible to get your claims processed, but it can take up to 30 days to get your checks back. Most companies try very hard to get the reimbursements back to the policyholders in a timely fashion.  As long as you have filled everything out thoroughly and carefully and attached the itemized invoices of the visit, your claim shouldn’t take long at all!

Some things that can make claims take longer to process are

  • Forgetting to sign the form
  • Filling out the diagnosis incorrectly or incompletely (have a vet do it)
  • Not attaching the invoices
  • Not paying the vet bill before sending in the claim
  • Putting in the wrong policy number

These are the most common mistakes that claim processors seem to see over and over. Pet Premium understands that when your pet is injured or sick, it’s hard to think straight, so wait a few days after your vet visit to get the claims filled out. Just be sure not to wait beyond the filing time frame which is anywhere from 90 days to over 180.  It’s always better to file the claim right away so that it can be getting worked on. The faster it’s processed the faster you have your money back.

Help and Support Services

When a company focuses on customer service the way Pet Premium does, you can rest assured that your questions will be answered and your problems taken care of. They are dedicated to making their current policyholders and potential policyholders feel important and that is what you can expect with every call or email.  They have many ways to contact them; email, chat, fax and telephone.

Veterinary Clinics You Can Go To

One of the great things about Pet Premium is that there are no restrictions on the vets you can go to. As long as they are licensed veterinarians or ER animal hospitals, your visits are covered under the terms of your plan.  You will never have to change vets to use this coverage plan.  If you are traveling away from home with your pet, you can take them to any ER animal hospital and still have the same pay and benefits.

Contact Information and Where to Find Pet Premium Pet Insurance on Social Media

If you need to contact Pet Premium for questions, problems or even sales information, there are several ways to go about it.  They are happy and ready to receive your call, email or chat so feel free to send correspondence anytime. Their hours are Monday-Friday 8:30am to 8:00pm and Saturday 9:00am to 1:00pm. All times are EST.

Website: www.petpremium.com

Email:  On the website in an embedded form

Claims Email: claims@petpremium.com

Telephone Support – 1 (800) 935-7280

Fax – 1 – (866) 888-2495

If you want to send regular mail you can mail claims and correspondence to:

PetPremium

3840 Greentree Ave SW

Canton, Ohio 44706

If you’d like to follow Pet Premium Pet Insurance on their social media sites (and they invite all of their customers and supporters to do that) you can find them at the links below.

Facebook – https://www.facebook.com/PetPremium

Twitter – https://twitter.com/PetPremium

Google + – https://plus.google.com/+Petpremium/posts

Pinterest – http://www.pinterest.com/petpremium/

LinkedIn – https://www.linkedin.com/company/petpremium-com

YouTube – https://www.youtube.com/channel/UCbqCjbEu_3gRgMtEkJEESOQ

Resources

  1. VPI Pet Insurance – https://www.petpremium.com/