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PetPremium is a provider of pet insurance solutions that offer coverage for dogs and cats. Typical coverage encompasses accident and illness protection, with the possibility for optional add-on wellness coverage for routine care. When the policy is issued, it covers veterinarian expenses for procedures such as diagnostics, surgeries, medications, and emergency treatments. Customization is key with PetPremium because dog owners can choose their deductible amount, reimbursement percentage (from 70 to 90 percent on average), and annual limit. Some plans with 24/7 telehealth offer immediate consultations with a vet. Claims are submitted through digital platforms and reimbursement issued based on the actual veterinarian's bills. Policies do not generally cover pre-existing conditions or hereditary conditions specific to the breed. Coverage for alternative therapies may be available in some of the top-tier plans. PetPremium sells insurance through licensed partners in certain states: therefore, a pet's eligibility requirements differ in regions. Policy terms and conditions state waiting periods, how to submit a claim, and what is excluded from coverage. Premiums are influenced by factors including the pet's age, its breed, and geographical location.