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Walmart Pet Insurance Review

Reviews 760
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Reviews 760
Katy Ward
Oct. 25, 2021
3 min read
Katy Ward
Walmart Summary
Walmart Pet Insurance, powered by Petplan, helps you save by paying you back up to 90% of vet bills when your cat or dog gets sick or hurt. On top of that, new customers can get a discount of up to 10% on their policy. Not only that, it offers risk-free cancellation for 30 days and best of all, it lets pet parents take their pet to any licensed vet in the U.S., including emergency clinics and specialists.


  • 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

Walmart at a glance

Editorial score

Online experience

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

Same day

Customer support

24/7 communication and a pet hotline available


No bundles available

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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
  • Acupuncture
  • Imaging and ultrasounds
  • Cancer treatment
  • Surgery and rehabilitation
  • Hydrotherapy
  • 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 
  • Spaying/neutering
  • Vaccinations

Like other pet insurance providers, Walmart Pet Insurance cannot cover pre-existing conditions. 

Waiting Periods

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.

Coverage Limits

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.

DeductibleMonthly premium

We then repeated this process for a 1-year-old Abyssinian cat. 

DeductibleMonthly premium

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

T: 844.392.9813


Bottom Line

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.

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Katy Ward
Written by
Katy Ward
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She enjoys identifying complex financial trends that make for interesting article topics.
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Trustpilot reviews
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Average • Reviews 760
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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3 weeks ago
Absolutely fantastic company
Absolutely fantastic company, honestly couldn’t say enough good things about them, I wish I wasn’t leaving this review as it means my much loved dogs was unwell but sadly these things happen, petplan was there for me, the bill was no small amount either but it was paid in full without any hassle at all! They are fantastic and I wouldn’t be without it now.
Vikki Hurley
1 month ago
Cannot praise this company enough
Cannot praise this company enough. After taking out insurance for my new kitten a few years back he became very ill and required a lot of specialist treatment and emergency vet trips every single claim was paid with no fuss, staff have always answered my questions when I've called. Unfortunately my boy passed away late last year but even then they sorted everything when I informed them. Just got a ragdoll kitten and taken a new ultimate plan out so 3 top plans and I'd never be without. Thank you pet plan!!!
Mary Williams
6 months ago
I can only say that Petplan are…
I can only say that Petplan are excellent, the staff are friendly and helpful and nothing is too much trouble for them. They also deal with your claim very speedily and notify you when everything is done.
Anna K
8 months ago
Great Insurance company
Great Insurance company! We bought a purebred maine coon and he came with 1 month trial pet plan insurance. Firstly wasn't sure if I need to buy it permanently but decided to go ahead and never didn't regret it. Little bit pricey but if your pet is unwell often it very helpful. We have life cover and dental which is great. ( as our kitten has juvenile gingivitis and I know he is covered for dental treatment and we do not need to worry about money). Easy communication, quick respond, quick payment. Recommend for sure.
1 year ago
Paid out every time
We have taken out lifetime cover with PetPlan for our golden retriever since she was a puppy. We have had to claim multiple times over the years for things that have gone wrong. PetPlan deal directly with the vets so all we have to do is pay the £100 excess. They pay out straightaway and have never quibbled a claim. It's so reassuring to know that if something goes wrong with your pet you aren't having to make a cost based decision as you know that you are covered. I would recommend them to anyone, although not the cheapest, the fact they always pay out without quibbling gives us so much peace of mind.