PetPremium Pet Insurance Reviews

PetPremium Company Information

Address: 44 Wall St., Suite 505
Phone: 1 (800) 935-7280
ZIP Code: 10015
City: New York
State: New York
Country: United States
Website: www.petpremium.com

Without insurance, an unexpected medical bill in the thousands of dollars often proves a challenge for many Americans in a demanding economy. PetPremium gives you a buffer, with a preemptive measure that keeps you covered in an accident involving your beloved pet.

Typically, insurers provide a range of healthcare plans, depending on the available budget and the unique medical needs of your dog or cat. This insurer avails several policies for pet parents, with the ability to choose a suitable plan availing some much-needed financial and healthcare flexibility.

Dog health insurance usually costs slightly more compared to that for cats. However, individual healthcare needs for each animal are a crucial determinant of the amount of annual deemed suitable. There is also a range of amounts deductible for each policy. When making a choice, patience is vital. PetPremium offers excellent customer service, ensuring that you have an easy time choosing the best plan.

PetPremium offers wellness care. This cover involves the diagnostics and treatment carried out for preventive purposes with no underlying health complications. Some of the services in this category include vaccinations, select cleaning procedures, and routine tests aiming at avoiding more severe health issues down the line.

Conclusion

PetPremium offers health cover in two broad categories. However, the countless options within the two policy classifications address a host of healthcare options for pets tailored to suit all budgets and medical needs. There is a smart add-on list of options for a more extensive cover for your animal’s health. A professional set up and fantastic customer service makes this one of the top pet insurance companies in the United States.

PetPremium Pet Insurance Policies

PetPremium employs a flexible policy formulation approach in a bid to avail tailor-made healthcare solutions for pet parents. Here are the considerations that give a guideline in the determination of a suitable rate for your policy:

• Conventionally, cities have higher healthcare costs than other areas. If you reside in New York, for instance, your premiums are likely to be higher than someone outside the city.
• Senior pets have different medical needs and need a keen eye on their health due to their susceptibility to diseases and other health complications.
• Breeds and Species. The species of a cat or dog leaves it prone to specific health issues; therefore, the likelihood for medical attention varies from one animal to the other.
• Deductible and Co-Pay. A deductible sets a limit for the amount payable from your end each year before you qualify for reimbursement by the insurer. The co-pay is the percentage of the medical bills that remain your financial responsibility.

The above factors aid in assessing the risk factor when purchasing an insurance policy for your beloved pet. The lesser the risk, the more comfortable you are with a younger animal with little chance for health issues in the year. Accidents, however, add an aspect of unpredictability, so, regardless of age and breed, you may want to keep all your bases covered.

PetPremium Coverage Plans

There are two broad categories of policies available at PetPremium. These are the Accidents-Only Coverage and the Total Coverage. Each type of plan avails a unique package aimed at securing your pet’s health.

Accidents-Only Coverage

Both policy types come with a 30-day money-back guarantee, provided that you haven’t submitted any claims within that trial period. It is, therefore, within your right to try each out for free.

The Accidents-Only Coverage has a reimbursement percentage of up to 90 percent. This policy has annual limits of:

• $2,500
• $3,000
• $4,000
• $5,000
• $7,000
• $10,000
• $15,000
• $20,000
• Unlimited

The yearly deductible options are $100, $250, and $500. This plan covers accidents, pre-existing conditions, accidents, and the choice of preventive care health cover.

The Total Coverage

This policy has a reimbursement rate of up to 90 percent. The annual limits range from $2500 to $20,000. The annual deductible is anywhere between $100 and $500. The Total Coverage keeps your pet insured for:

• Accidents
• Illnesses
• Ongoing conditions
• Congenital conditions
• Hereditary conditions
• Alternative therapies
• Preventive care (optional)
• Behavioral treatment

A brief look at the categories shows a well-formulated platform to cater for all manner of budgets and medical needs for pets. The Accident-Only Plan caters to accidents and the medical bills that may follow such incidents. The Total Coverage provides cover for illnesses as well, meaning reimbursement for:

• Lab tests
• Prescription medication
• Surgeries
• Hospitalization
• X-rays

The optional preventive care plans come in the following categories:

• Basic – $9.95
• Standard – $14.95
• Prime – $24.95

There are a lot of options, and one may face the temptation to go for the cheapest or most affordable. Lower premiums result in lower annual covers, and you end up paying more out of pocket for any expensive healthcare needs that spring up along the way.

Filing a claim at PetPremium is a straightforward process. You download the claim form (a PDF), fill it, and email, fax, or mail it. The complete form comes with the relevant invoice and necessary contact information. Reimbursement usually takes place within 30 days.

To cancel a policy, a written request by email is enough. Note that this insurer doesn’t cover dogs older than 12 and cats older than 14.