- Accepted by any licensed vet in the U.S.
- Automatic discount of up to 10% on new policies
- New policies include a $25 Walmart gift card
- Routine vet visits not covered
- Covers dogs and cats only
- No 24/7 hotline
Excellent site with mobile optimization, learning resources and live chat
Customizable rates and services
Customizable plans and rates, upper age limit
Claims payout waiting period
24/7 communication and a pet hotline available
No bundles available
What Does it Cover
If you sign up, your dog or cat will be covered for what other providers charge extra for or don’t cover at all, including:
- Illnesses and injuries
- Breed-specific conditions
- Comprehensive dental
- Complete sick visit
- Diagnostic tests
- Veterinary exam fees
- Virtual vet visits
- Imaging and ultrasounds
- Cancer treatment
- Surgery and rehabilitation
- Emergency and specialist vet visits
- Behavioral therapy
- Chiropractic care
Insurance Plans & Pricing
The cost of your premiums will depend on factors such as the cost of vet care in your area and your pet’s breed, age and medical history.
We entered the details for a 4-year-old Golden Retriever and received a quote of $74.15 per month, which includes a $15,000 maximum annual payout, a $300 annual deductible and 80% reimbursement.
When we entered the information for a 3-year-old mixed-breed cat, we received a quote of $19.66 per month. This plan had a $5,000 maximum annual payout, $250 annual deductible and 70% reimbursement.
Each of the above policies would qualify for a $25 Walmart gift card, which you can use to buy pet food and supplies from Walmart.
Walmart Pet Insurance also offers the following discounts:
- Automatic discount of up to 10% on new policies
- 15% Healthy Pet Credit for those who go a year without filing a claim
You can save even more money on your policy if you pay quarterly or annually, and all policies include risk-free 30-day cancellation policy.
Note: these prices were obtained in August 2021, based on a New York zip code and they are subject to change. Prices can be adjusted based on the amount of coverage you would like. Look for the ‘customize price’ link
What is Not Covered
Your policy won’t cover routine vet visits, such as:
- Annual check-ups
- Teeth cleaning
Like other pet insurance providers, Walmart Pet Insurance cannot cover pre-existing conditions.
The amount of time you’ll need to wait before making a claim will vary depending on the state you live in, but it won’t exceed 15 days. One exception to this is your pets’ hips or knees. This waiting period could be as long as 6 months, but Walmart Pet Insurance may waive this period if your pet receives a healthy check-up on his or her knees before your policy starts.
You can customize your maximum annual payout, with $5,000, $15,000 or unlimited as your options.
Reimbursement and deductibles
If you take out a Walmart Pet Insurance policy, you can choose reimbursement rates of 70%, 80%, or 90%.
You can also select deductible rates of $250, $300, or $500. For an indication of the impact of deductibles on premiums, we ran a series of quotes for a 2-year-old German Shepherd, choosing an 80% reimbursement rate and $15,000 maximum payout. We varied only the deductible each time.
We then repeated this process for a 1-year-old Abyssinian cat.
These prices were obtained in August 2021, based on a New York zip code, and are subject to change.
Claims and Service
If your pet is sick or injured, you can take them to any licensed vet in the U.S. Once your pet has received treatment, you can submit a claim online or with the Petplan app by sending in a photo of your paid bill.
The majority of claims are approved within 15 days, and payments are then processed the following business day. If you enroll in direct deposit, you’ll get paid back 3-5 days faster than if you elect to get paid by a paper check.
Agents are available (via Petplan) over the phone from 8 AM to 7 PM (ET) Monday to Friday, and 10 AM to 6.30 PM (ET) on Saturday. Alternatively, you can receive live chat support between 8.30 am and 6.30 pm (ET) Monday to Friday. You can also use the Petplan app to chat with an agent.
What You Might Like
When we ran a series of quotes, we found the site user-friendly. The site used simple, jargon-free language and we located all the information we needed in less than 2 minutes. In addition, if you value flexibility, you may be reassured to learn that the company offers risk-free cancellation for up to 30 days.
What Walmart Pet Insurance could do better
The provider’s policies don’t cover routine visits, which means your protection only comes into play in an emergency.
Contact Details and Address
Walmart headquarters: 702 S.W. 8th St. Bentonville, AK 72716
Petplan headquarters: PO Box 1489 Bolingbrook, IL 60440
A newcomer to the market, launched in 2020, Walmart Pet Insurance offers a comprehensive range of features. Its discount of up to 10% for new customers is certainly a selling point. Likewise, the risk-free cancellation for up to 30 days could be especially valuable for those who are on the fence about signing up. All in all, we found Walmart Pet Insurance is competitively priced and well-rounded. Walmart Pet Insurance offers all the core services dog and cat parents are likely to need.
This review was compiled using information on Walmart Pet Insurance’s website and online quote tool. We also contacted the customer service team via live chat.