Amazon Pet Insurance Review 2025: Is It Right for Your Pet?
Our expert's opinion on Amazon
Amazon's pet insurance is underwritten by United States Fire Insurance Company and offers two core plan types: an Accident Only option and an Accident + Illness option.
The plans list covered services such as emergency care, consultations, surgery, imaging, specialist visits, alternative medicine, identification, death and cremation, with a 14‑day waiting period for accidents and a 14‑day illness waiting period under the illness-inclusive plan; reimbursement rates, annual limits, deductible options and any wellness budgets vary by plan and are set at enrollment. Compared with major pet insurers, Amazon's offering emphasizes a simpler two-tier design that focuses on clear accident coverage and selective illness benefits rather than positioning on high-limit, feature-rich packages or aggressive promotional pricing.
Best suited for owners seeking straightforward accident protection and a basic illness option for young, active, or low-frill pets rather than those requiring extensive preventive or high-limit chronic care.
The policy is issued by United States Fire Insurance Company, administered from Akron, OH, with a Customer Satisfaction Department for disputes and standard cancellation routes via email, telephone or written request.
- ✅Simple two-plan structure
- ✅Covers emergency care and surgery
- ✅Imaging and specialist consultations covered
- ✅Alternative medicine included
- ✅Death and cremation benefits
- ✅Short 14-day accident waiting period
- ✅Underwritten by established insurer
- ❌No routine wellness or vaccination coverage
- ❌Dental cleanings excluded
- ❌Breeding and elective procedures excluded
- ❌Illness cover narrower than some comprehensive rivals
- ❌Reimbursement rates and limits determined at enrollment
Our expert's opinion on Amazon
- ✅Simple two-plan structure
- ✅Covers emergency care and surgery
- ✅Imaging and specialist consultations covered
- ✅Alternative medicine included
- ✅Death and cremation benefits
- ✅Short 14-day accident waiting period
- ✅Underwritten by established insurer
- ❌No routine wellness or vaccination coverage
- ❌Dental cleanings excluded
- ❌Breeding and elective procedures excluded
- ❌Illness cover narrower than some comprehensive rivals
- ❌Reimbursement rates and limits determined at enrollment
Score- ✅Simple two-plan structure
- ✅Covers emergency care and surgery
- ✅Imaging and specialist consultations covered
- ✅Alternative medicine included
- ✅Death and cremation benefits
- ✅Short 14-day accident waiting period
- ✅Underwritten by established insurer
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Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Amazon Guarantees
Amazon offers two core pet insurance plans administered with an underwriter relationship: an Accident Only plan positioned as an entry‑level safety net for unexpected injuries, and an Accident + Illness plan positioned as a more comprehensive option covering both acute accidents and a broad range of illnesses. Both plans emphasize emergency care, consultations, surgery, diagnostic imaging and specialist consultations as primary covered benefits, while certain modalities such as radiotherapy are restricted to the Accident + Illness option. Deductible, reimbursement percentage, annual limit and enrollment age structures are not specified in plan summaries (N.C.), so premium and out‑of‑pocket exposure depend on the selected configuration at purchase. Waiting periods are standard for acute cover: a 14‑day waiting period for accidents applies to both plans, and the Accident + Illness plan also applies a 14‑day waiting period for illness cover; the Accident Only plan lists illness coverage as not applicable. The product includes alternative medicine options and identification coverage, and provides for death and cremation benefits; routine preventive care, dental prophylaxis, vaccinations, parasite treatments and elective procedures are explicitly excluded. Strengths include clear coverage for surgical and diagnostic needs, specialist consultations and death/cremation handling; limitations include the absence of routine wellness benefits, prophylactic dental care, and a lack of published details on financial limits and enrollment parameters (N.C.).
| Accident Only | Accident + Illness | |
|---|---|---|
| Plan positioning | Entry-level accident protection | Balanced comprehensive accident + illness |
| Type of coverage | Accident | Accident & Illness |
| Animals covered | Dogs and cats | Dogs and cats |
| Reimbursement rate | N.C. | N.C. |
| Annual reimbursement limit | N.C. | N.C. |
| Deductible (annual or per claim) | N.C. | N.C. |
| Age limits for enrollment | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. |
| Waiting periods (accident / illness) | 14 days / N/A | 14 days / 14 days |
| Lifetime coverage | N.C. | N.C. |
| Consultations | Covered | Covered |
| Medications | N.C. | N.C. |
| Hospitalization | Covered | Covered |
| Surgery | Covered | Covered |
| Diagnostic tests (imaging, lab) | Imaging covered; lab tests N.C. | Imaging covered; lab tests N.C. |
| Dental care | Not covered (prophylactic cleaning excluded) | Not covered (prophylactic cleaning excluded) |
| Preventive care | Not covered | Not covered |
| Alternative medicine | Covered | Covered |
| Travel coverage | N.C. | N.C. |
| Civil liability | N.C. | N.C. |
| Euthanasia | Covered | Covered |
| Death & cremation coverage | Covered | Covered |
| Theft or loss + search expenses | N.C. | N.C. |
| Boarding fees | Not covered | Not covered |
The policy excludes pre‑existing conditions, defined as any condition showing signs or receiving treatment prior to the policy effective date or during a waiting period, and treats chronic or bilateral conditions accordingly. Preventive services (vaccinations, parasite prevention, routine dental cleaning), elective and cosmetic procedures, breeding and pregnancy costs, food and supplements, and experimental or investigational treatments are excluded. Owner‑caused incidents, organized professional activities (racing, guarding, fighting), and major catastrophic events (pandemics, acts of war, nuclear incidents) are also excluded.
Key operational limitations for buyers include the absence of published reimbursement percentages, annual caps, deductible structure and enrollment age parameters in plan summaries (N.C.), and the lack of integrated wellness or routine care options in the standard plans. Buyers should confirm the precise financial terms, the definitions applied to pre‑existing and bilateral conditions, and the availability of any optional endorsements before purchase to understand coverage limits and out‑of‑pocket exposure.
Amazon Exclusions
Amazon’s pet insurance follows standard clinical exclusions: pre‑existing conditions, experimental or investigational treatments, and many preventive or routine services (including routine dental cleanings) are not reimbursed.
Owner‑related exclusions and activity‑based exclusions are strict—intentional, malicious, or grossly negligent acts, treatment supervised by the owner, and use in organized racing, fighting, or professional/guarding activities are excluded.
Notable plan differences include radiotherapy being unavailable on the Accident Only option but covered under the Accident + Illness plan, and an uncommon inclusion of cremation as a covered item in both plans, which can set it apart from many competitors.
Catastrophic events (pandemics, nuclear events, acts of war) and routine non‑medical costs (boarding, grooming, administrative fees, travel) are also excluded, narrowing coverage for wide‑scale incidents and everyday care expenses.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions (any illness, disease, injury, or health change before policy effective date or during waiting period); experimental or investigational treatments; pre‑existing ligament/knee conditions. |
| Dental & oral exclusions | Aesthetic, cosmetic, endodontic, or orthodontic dental services (crowns, fillings, root canals); routine dental cleanings not covered unless treatment is for a covered illness. |
| Breeding & elective procedures | Costs related to breeding, pregnancy, whelping, nursing, and elective/cosmetic procedures (ear cropping, tail docking, declawing, elective neutering). |
| Owner‑related & behavior exclusions | Injuries or illnesses from intentional, malicious, or grossly negligent acts by the owner; treatment supervised by the policyholder or immediate family excluded. |
| Specific treatments excluded or limited | Anal sac expression without infection, organ/heart valve transplants, some radiotherapy limits (not available on Accident Only), and other specified exclusions. |
| Food, supplements & prescription products | Prescription food, herbal products, Cannabis (CBD), over‑the‑counter foods, supplements, and vitamins used for general health or prevention. |
| Non‑medical costs | Boarding, grooming, house call fees, travel expenses, non‑medical supplies (toys, leashes), administrative fees, taxes, postage, and training. |
| Commercial / occupational exclusions | Expenses for pets used in coursing, organized fighting, racing, law enforcement, guarding, or personal protection activities. |
| Catastrophic & public health exclusions | Losses or treatment arising from avian influenza, government‑ordered slaughter, epidemics/pandemics, nuclear events, acts of war, or terrorism. |
Amazon Prices
Amazon’s pet insurance is offered through a simple two‑plan structure—Accident Only and Accident + Illness—which positions the product as a streamlined option that can appeal to owners seeking either basic accident protection or broader medical coverage. This compact menu typically aligns with a mid‑range positioning: not the cheapest entry‑level offering, but also not an extensively granular or ultra‑premium suite, focusing instead on clarity and ease of choice.
Price competitiveness with Amazon will primarily depend on three levers: the reimbursement rate you select, the deductible level, and any annual coverage limits. Higher reimbursement percentages and lower deductibles reduce out‑of‑pocket exposure but increase premiums; conversely, higher deductibles and lower limits can keep monthly costs down while shifting financial risk to the owner. These variables are the main determinants of value for individual buyers.
Key differentiators that can justify Amazon’s pricing include digitally driven distribution and policy servicing, a concise plan lineup that simplifies decision making, and features available on broader plans such as radiotherapy coverage, alternative medicine, identification, and provisions for death and cremation. Compared with more traditional players that may offer wide arrays of tiers and endorsements, Amazon’s approach emphasizes streamlined benefits and digital efficiency rather than complex customization.
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| Amazon Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed by Amazon?
With Amazon you pay the veterinarian first; eligible expenses are reimbursed after the annual deductible is applied, then the insurer pays the plan’s reimbursement percentage (example here uses the Accident + Illness plan at 80% with a $200 annual deductible).
- ✅ Example 1: Consultation for allergic dermatitis
- Total vet costs: $300 (exam $120 + medication $180)
- Deductible amount to subtract: $200 (this is the annual deductible)
- Amount reimbursable after deductible with the Accident + Illness plan: $300 – $200 = $100
- 80% of that amount reimbursed: $100 × 80% = $80
👉 You receive a reimbursement of $80.
ℹ️ *You pay the $200 deductible plus the remaining 20% copay on the eligible amount; in this example your total out‑of‑pocket is $200 + $20 = $220.*
- ✅ Example 2: Soft palate surgery (brachycephalic syndrome)
- Total vet costs: $4,500 (surgery $3,200 + hospitalization $800 + imaging $300 + medications $200)
- Deductible already met earlier in the year: $0 to subtract
- Amount reimbursable with the Accident + Illness plan: $4,500 × 80% = $3,600
👉 You receive a reimbursement of $3,600.
ℹ️ *The remaining owner cost is 20% of the eligible amount ($900); the reimbursement reduces your available annual coverage for the policy year.*
- ✅ Example 3: Emergency hospitalization for pancreatitis
- Total vet costs: $12,000 (ER $1,500 + hospitalization $6,000 + IV fluids $1,200 + imaging $1,000 + labs $800 + medications $1,500)
- Deductible amount to subtract: $200 (annual deductible)
- Amount reimbursable after deductible with the Accident + Illness plan: $12,000 – $200 = $11,800
- 80% of that amount reimbursed: $11,800 × 80% = $9,440
👉 You receive a reimbursement of $9,440.
ℹ️ *Your out‑of‑pocket is the $200 deductible plus 20% of the eligible amount ($2,360), totaling $2,560; large reimbursements count toward any annual limit on the policy.*
Amazon Assistance
Amazon’s pet insurance offers two clear plan choices—Accident Only and Accident + Illness—that provide core clinical cover including consultations, emergency treatment, surgery and diagnostic imaging, with the Illness plan extending to radiotherapy and identification plus post‑death cover (euthanasia and cremation).
The Accident Only option is a targeted, lower‑scope product for owners primarily worried about traumatic events, while the Accident + Illness plan supports broader medical interventions useful for serious or chronic conditions.
Preventive and routine care (vaccinations, parasite control, dental cleanings, neutering) are excluded from standard coverage, so routine wellness needs must be funded separately.
Key exclusions include pre‑existing conditions, elective or breeding‑related procedures, experimental treatments, food and supplements, and losses tied to commercial use or catastrophic events, which narrows protection for hereditary, lifestyle or non‑clinical costs.
Owners should balance the availability of diagnostic and oncology support against the absence of routine care benefits and verify reimbursement mechanics and waiting periods when choosing between the two plans.
Customer reviews on Amazon
There are no pet‑insurance‑specific customer reviews for Amazon on Trustpilot or Google Reviews that can be used to derive typical strengths reported by policyholders, so it is not possible to summarize commonly cited positive aspects from those public platforms.
Similarly, because verified customer feedback specific to Amazon pet insurance is not available on the prioritized review sites, recurring complaints or limitations cannot be distilled into a representative list for prospective buyers.
Contact Amazon
| Amazon Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Online subscription steps beyond the comparison tool: N.C. |
| To request and track a reimbursement | Submission channels, required documents, claim-tracking steps, deadlines for filing a claim, and the reimbursement method: N.C. |
| To obtain a certificate of insurance | Request channels, required information to generate the certificate, and expected processing time: N.C. |
| To contact assistance | Phone: N.C.; Email: N.C.; Postal mail: 1208 Massillon Rd., Suite G 200, Akron, OH 44306; Customer portal / online account access: N.C.; Customer Satisfaction Department: N.C. |
| To cancel my policy | You may cancel by email, by telephone, or in writing; provide policy identification and policyholder details when requesting cancellation. Notice period, required signed documentation, effective cancellation date rules, and refund conditions: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Amazon?
N.C.
Typically, many pet insurers require the policyholder to pay the veterinarian at the time of treatment and then submit a claim for reimbursement.
Some insurers offer direct-billing or third‑party payment arrangements for emergencies; availability and conditions for such services with Amazon are N.C.
Confirm any on‑site billing options or third‑party payment arrangements directly with Amazon customer service before treatment.
How do I cancel my pet insurance policy with Amazon?
You can cancel by email, by telephone, or in writing as allowed by the provider.
Provide your full policy number, policyholder name, and a clear request for the effective cancellation date.
Send the request to the Customer Satisfaction Department, administrative address, or the contact channel you use for account management.
Specific notice periods, required signed forms, and refund or proration conditions are N.C.
What are the waiting periods for accident and illness coverage?
Accident coverage includes a 14‑day waiting period before benefits begin.
For Accident + Illness plans, the waiting period for illness is 14 days as well.
Accident‑only plans may list illness as not applicable; confirm which plan you select.
Always check the policy terms for any condition‑specific waiting periods or exclusions.
What reimbursement rates and annual limits apply?
Reimbursement rate and annual limit details for Amazon policies are N.C. for each plan.
Coverage levels and limits typically depend on the selected plan (e.g., accident only vs. accident + illness).
Ask for the declarations page or plan summary to see the exact reimbursement percentage and any annual monetary caps.
Reimbursement timing and method are also plan‑specific and should be confirmed with customer service.
What age can my pet be to enroll?
Minimum and maximum enrollment ages for dogs and cats are N.C. for Amazon plans.
Generally, insurers set a minimum age (often several weeks) and may restrict enrollment for older pets; check the specific plan rules.
If your pet is very young or older, request the exact age limits and any age‑related exclusions before applying.
What common exclusions should I be aware of?
Typical exclusions include pre‑existing conditions, preventive care, and elective or cosmetic procedures.
Dental cleanings, breeding and pregnancy costs, experimental treatments, and owner‑caused injuries are commonly excluded.
Catastrophic events, non‑medical costs (boarding, grooming), and some food or supplement costs are also frequently not covered.
Review the policy exclusions carefully to understand which conditions or services are not reimbursable.
Do I have to pay upfront for veterinary fees with Amazon?
N.C.
Typically, many pet insurers require the policyholder to pay the veterinarian at the time of treatment and then submit a claim for reimbursement.
Some insurers offer direct-billing or third‑party payment arrangements for emergencies; availability and conditions for such services with Amazon are N.C.
Confirm any on‑site billing options or third‑party payment arrangements directly with Amazon customer service before treatment.
How do I cancel my pet insurance policy with Amazon?
You can cancel by email, by telephone, or in writing as allowed by the provider.
Provide your full policy number, policyholder name, and a clear request for the effective cancellation date.
Send the request to the Customer Satisfaction Department, administrative address, or the contact channel you use for account management.
Specific notice periods, required signed forms, and refund or proration conditions are N.C.
What are the waiting periods for accident and illness coverage?
Accident coverage includes a 14‑day waiting period before benefits begin.
For Accident + Illness plans, the waiting period for illness is 14 days as well.
Accident‑only plans may list illness as not applicable; confirm which plan you select.
Always check the policy terms for any condition‑specific waiting periods or exclusions.
What reimbursement rates and annual limits apply?
Reimbursement rate and annual limit details for Amazon policies are N.C. for each plan.
Coverage levels and limits typically depend on the selected plan (e.g., accident only vs. accident + illness).
Ask for the declarations page or plan summary to see the exact reimbursement percentage and any annual monetary caps.
Reimbursement timing and method are also plan‑specific and should be confirmed with customer service.
What age can my pet be to enroll?
Minimum and maximum enrollment ages for dogs and cats are N.C. for Amazon plans.
Generally, insurers set a minimum age (often several weeks) and may restrict enrollment for older pets; check the specific plan rules.
If your pet is very young or older, request the exact age limits and any age‑related exclusions before applying.
What common exclusions should I be aware of?
Typical exclusions include pre‑existing conditions, preventive care, and elective or cosmetic procedures.
Dental cleanings, breeding and pregnancy costs, experimental treatments, and owner‑caused injuries are commonly excluded.
Catastrophic events, non‑medical costs (boarding, grooming), and some food or supplement costs are also frequently not covered.
Review the policy exclusions carefully to understand which conditions or services are not reimbursable.
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