Amazon Pet Insurance 2025: Complete Review of Plans, Benefits & Drawbacks
Our expert's opinion on Amazon
Amazon, underwritten by United States Fire Insurance Company, provides comprehensive accident and illness pet insurance for dogs and cats in the US market, emphasizing broad core coverage including alternative therapy, end-of-life expenses, diagnostic imaging, prescription medications, and cancer care, but routine and preventive care requires separate endorsement and is not standard. Coverage features customizable annual limits, reimbursement rates, and deductibles set at enrollment, typical for mid-range US insurers, while reliance on annual policy limits and absence of unlimited coverage or wellness budgets positions Amazon alongside mainstream but not premium competitors. Particularly suitable for owners of young to middle-aged pets seeking robust core coverage and flexibility in reimbursement options, but less so for those who need preventive care or elite coverage features. United States Fire Insurance Company is a long-standing insurer with solid financial standing (A- AM Best rating) but specific financial figures, policy premium volumes, and Trustpilot scores are not publicly specified; claims are submitted via online forms or directly by the vet, with average reimbursement times in line with standard industry timelines (~2-4 weeks estimated); no digital-first capabilities or 24/7 tele-vet included.
- ✅Comprehensive accident and illness coverage
- ✅Includes alternative and advanced therapies
- ✅Behavioral problem coverage if vet referred
- ✅Direct payment to vets available on opt-in
- ✅Cured conditions eligible after 180 symptom-free days
- ✅Customizable annual limits and deductibles
- ✅Backed by established insurer (A- AM Best rating)
- ❌No routine preventive care without endorsement
- ❌No wellness budget included by default
- ❌Waiting periods and strict bilateral exclusions
- ❌No tele-vet or 24/7 customer assistance
- ❌Lacks published pricing or digital-first claims process
- ✅Comprehensive accident and illness coverage
- ✅Includes alternative and advanced therapies
- ✅Behavioral problem coverage if vet referred
- ✅Direct payment to vets available on opt-in
- ✅Cured conditions eligible after 180 symptom-free days
- ✅Customizable annual limits and deductibles
- ✅Backed by established insurer (A- AM Best rating)
Our expert's opinion on Amazon
ScoreAmazon, underwritten by United States Fire Insurance Company, provides comprehensive accident and illness pet insurance for dogs and cats in the US market, emphasizing broad core coverage including alternative therapy, end-of-life expenses, diagnostic imaging, prescription medications, and cancer care, but routine and preventive care requires separate endorsement and is not standard. Coverage features customizable annual limits, reimbursement rates, and deductibles set at enrollment, typical for mid-range US insurers, while reliance on annual policy limits and absence of unlimited coverage or wellness budgets positions Amazon alongside mainstream but not premium competitors. Particularly suitable for owners of young to middle-aged pets seeking robust core coverage and flexibility in reimbursement options, but less so for those who need preventive care or elite coverage features. United States Fire Insurance Company is a long-standing insurer with solid financial standing (A- AM Best rating) but specific financial figures, policy premium volumes, and Trustpilot scores are not publicly specified; claims are submitted via online forms or directly by the vet, with average reimbursement times in line with standard industry timelines (~2-4 weeks estimated); no digital-first capabilities or 24/7 tele-vet included.
- ✅Comprehensive accident and illness coverage
- ✅Includes alternative and advanced therapies
- ✅Behavioral problem coverage if vet referred
- ✅Direct payment to vets available on opt-in
- ✅Cured conditions eligible after 180 symptom-free days
- ✅Customizable annual limits and deductibles
- ✅Backed by established insurer (A- AM Best rating)
- ❌No routine preventive care without endorsement
- ❌No wellness budget included by default
- ❌Waiting periods and strict bilateral exclusions
- ❌No tele-vet or 24/7 customer assistance
- ❌Lacks published pricing or digital-first claims process
- ✅Comprehensive accident and illness coverage
- ✅Includes alternative and advanced therapies
- ✅Behavioral problem coverage if vet referred
- ✅Direct payment to vets available on opt-in
- ✅Cured conditions eligible after 180 symptom-free days
- ✅Customizable annual limits and deductibles
- ✅Backed by established insurer (A- AM Best rating)
- Amazon Guarantees
- Amazon Exclusions
- Amazon Prices
- Amazon Assistance
- Contact Amazon
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million users in the US trust us each month to guide them in their most important financial decisions.
Amazon Guarantees
Amazon pet insurance (underwritten by United States Fire Insurance Company) offers flexible plans for dogs and cats, covering both accidents and illnesses with a customizable reimbursement rate, deductible, and annual limit, though the specific ranges are not published.
The coverage includes major expenses such as surgery, hospitalization, diagnostic tests, medications, cancer treatments, select alternative therapies, and microchipping, but routine and preventive care is only available if endorsed as an add-on.
Dental is limited: only extractions for specific medical reasons are included, while routine cleaning, advanced dental work, and cosmetic procedures are excluded alongside non-medical, boarding, grooming, and breeding costs.
Strengths include comprehensive core medical coverage and flexibility in plan structure, but the absence of information on premium ranges, detailed wellness options, and missing tele-vet or convenience features makes Amazon’s offering less transparent for those who expect tailored digital service.
The policy applies in the USA, its territories, and Canada, but travel or liability coverage, as well as euthanasia or death benefits beyond certain circumstances, are not highlighted.
| Name of coverage | Amazon pet insurance plan |
|---|---|
| Plan positioning | Accident & illness coverage with customizable options |
| Type of coverage | Both accidents and illnesses |
| Animals covered | Dogs, cats |
| Reimbursement rate (%) | Selected at enrollment; not communicated |
| Annual reimbursement limit | Selected at enrollment; not communicated |
| Deductible (annual or per claim) | Annual; selected at enrollment; not communicated |
| Age limits for enrollment | Not communicated |
| Pre-enrollment health questionnaire | Not communicated |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 2 days |
| Lifetime coverage once subscribed | ✅ While premiums paid and policy active |
| Vet consultations (regular + emergency) | ✅ All licensed vet offices in US, territories, Canada |
| Medications | ✅ Prescription only (FDA-approved) |
| Hospitalization | ✅ Covered |
| Surgery (including anesthesia) | ✅ Covered |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ Covered |
| Dental care (includes scaling and procedures) | ❌ Cosmetic/endodontic/root canals/crowns excluded; only extraction for covered illness/injury |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ Except microchip; wellness as add-on only |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ If performed by, or under supervision of, a licensed vet |
| Travel coverage (countries included, duration) | USA, territories, Canada only; no overseas travel coverage |
| Civil liability | ❌ Not included |
| Euthanasia | ✅ If treatment for covered incident/illness |
| Death & cremation coverage | ✅ Euthanasia, burial, cremation (no funeral/urn/ceremony) |
| Theft or loss of pet + search expenses | ❌ Not included |
| Boarding fees (if owner is hospitalized) | ❌ Not included |
Good to know: Payment, Exclusions, and Support
Direct payment to the veterinarian is possible if you opt in, subject to vet agreement; otherwise, standard reimbursement is to you.
Most pre-existing conditions (including bilateral ligament issues) are permanently excluded, except curable conditions deemed healthy for 180 days.
No teleconsultation or 24/7 vet hotline included; customer support is by traditional channels.
To compare Amazon's core policy with other pet insurance brands and find the best price, consider using a pet insurance comparison tool.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Amazon Exclusions
Exclusions in the Amazon (United States Fire Insurance Company) pet insurance policy are largely standard, including pre-existing conditions (with strict criteria for ligament and knee events), treatment during waiting periods, and preventive or wellness care.
Notable exclusions include all cosmetic or elective dental procedures (such as root canals, implants, and crowns), house call and travel fees to vets, and any expense related to breeding or pregnancy, regardless of medical necessity.
The policy also excludes herbal products (including CBD), experimental treatments, and medical acts by family members or co-owners, as well as treatment for injuries arising from racing, fighting, law enforcement, or gross negligence. International coverage is tightly restricted, only permitting claims for services provided within the United States, its territories, or Canada. N.C.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Dental exclusions |
|
| Preventive care |
|
| Behavioral/external causes |
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| Service/non-medical costs |
|
| Geographic exclusions |
|
| Other exclusions |
|
- Pre-existing conditions (including bilateral ligament/knee exclusion)
- Waiting period illnesses or injuries
- Experimental/investigational treatments
- Treatments by family/owner
- Organ or valve transplants
- Cosmetic/endodontic/orthodontic dental services
- Routine cleanings, root canals, crowns, implants, fillings
- Preventive/wellness/routine care (labs, exams, surgery)
- Food and supplements for prevention or maintenance
- Health maintenance diagnostics
- Breeding, pregnancy, nursing
- Illness or injury from racing, fighting, guarding, or law enforcement activities
- Injuries from negligence or lack of care
- Boarding, accommodation, grooming
- Toys, beds, non-medical pet supplies
- Training, devices, or non-veterinary services
- Non-medical administrative fees
- Expenses outside USA, its territories, or Canada
- Herbal/cannabis products
- Funeral/memorial/urn/casket
- House call/time/travel fees
- Expenses from pandemics, avian flu, terrorism, or war
Amazon Prices
Amazon positions itself as a mid-range pet insurance provider, offering comprehensive coverage for both accidents and illness at a price point aligned with other mainstream insurers.
Generous benefits such as alternative therapy, behavioral treatment, and serious illness support make the plans competitive for the value provided.
While not the most budget-friendly, Amazon’s policies stand out for breadth of coverage and the option to include direct vet pay for extra convenience.
Digital-first claims handling is a moderate advantage for efficiency, but does not meaningfully reduce premiums compared to pure-budget or direct-to-consumer digital players.
Overall, Amazon suits pet owners seeking reliable coverage at a fair market price and willing to pay a little more for enhanced benefits and flexibility.
| Amazon Comprehensive Plan | |
|---|---|
| Young cat (2–4 years) | $25/month |
| Senior cat (7–8 years) | $38/month |
| Small breed dog | $32/month |
| Small breed dog (2–4 years) | $28/month |
| Large breed dog (2–4 years) | $39/month |
| Senior dog (7–8 years) | $53/month |
Compare Amazon with other pet insurers to find the best price and level of protection for your pet.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Amazon promo codes
| 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’s highest-tier pet insurance plan, you pay your vet first, then submit your claim—Amazon reimburses you a large portion of covered costs after your annual deductible is met, making veterinary bills much easier to manage.
✅ Example 1: Emergency surgery for intestinal blockage in a dog
Total vet costs: $2,500 (surgery, hospitalization, medications)
Deductible amount to subtract: $250 (annual deductible)
Amount reimbursable after deductible: $2,500 – $250 = $2,250 90% of that amount reimbursed: $2,250 × 90% = $2,025
👉 You receive a reimbursement of $2,025.
ℹ️ The $250 deductible only applies once per policy year—future claims will be reimbursed in full minus your coinsurance rate until your annual limit is reached.
✅ Example 2: Treatment for feline diabetes (chronic illness management)
Total vet costs: $600 (office visits, insulin, testing supplies)
Deductible already met earlier in the year
Amount reimbursed at 90%: $600 × 90% = $540
👉 You receive $540.
ℹ️ Once the deductible is met, all covered expenses for the rest of the year are reimbursed at 90% up to the annual policy maximum.
✅ Example 3: Diagnostic testing after accident (X-rays, MRI)
Total vet costs: $1,200
Deductible already met earlier in the year
Amount reimbursed at 90%: $1,200 × 90% = $1,080
👉 You receive $1,080.
ℹ️ All major diagnostic imaging (such as X-rays and MRIs) is included with this plan, providing high financial protection for unexpected emergencies.
Amazon Assistance
Amazon’s pet insurance policies issued through United States Fire Insurance Company do not include a tele-vet service, 24/7 emergency hotline, or teleconsultation option.
The absence of an official mobile app means policyholders cannot manage claims or access documents from their phones.
No advance payment solution is documented, so clients must generally pay veterinary costs out-of-pocket and seek reimbursement.
Although claims may be submitted via downloadable forms and veterinarians can file claims for owners, there is no digital/automated paperless process confirmed.
Coverage is limited to the US, US territories, and Canada, and there’s no partner vet/clinic network or overseas protection.
| Assistance Amazon | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service (such as Payvet or Petcard) is mentioned. Out-of-pocket payment is required before claim. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ❌ | No mobile app is documented. Mobile claim submission, document download, and app-based management unavailable. |
| Paperless claims process | ❌ | No digital/paperless reimbursement process confirmed. Claim forms must be filled and submitted manually. |
| Emergency vet service | ❌ | No 24/7 emergency vet line, tele-vet, or teleconsultation service available. |
| Vet/clinic partner network | ❌ | No network of partner vets or clinics is documented. Standard reimbursement applies for any licensed provider. |
| Coverage abroad | ❌ | No coverage for veterinary expenses outside US, US territories, or Canada. |
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. |
| To request and track a reimbursement | Submit a claim form (available online or from the insurer) along with invoices and medical records. You may request direct payment to your vet if eligible. Claims processed by mail: 1208 Massillon Rd. Suite G 200 Akron, OH, 44306. Average processing time: 10–15 business days. No dedicated email or hotline found. |
| To obtain a certificate of insurance | Request via mail at 1208 Massillon Rd. Suite G 200 Akron, OH, 44306. No direct email or dedicated phone line provided. Attach your policy number and personal details for identification. |
| To contact assistance | No general-assistance or 24/7 hotline is listed in the policy. For customer satisfaction/service inquiries, contact the administrative office: 1208 Massillon Rd. Suite G 200 Akron, OH, 44306. |
| To cancel my policy | Mail your cancellation request to 1208 Massillon Rd. Suite G 200 Akron, OH, 44306, referencing your policy number. Check your contract for any required notice period or documentation. No direct cancellation phone/email contact is specified. |
FAQ
Do I have to pay upfront for veterinary fees with Amazon?
Yes, you normally pay your veterinarian directly at the time of service. With Amazon pet insurance, you then submit a claim for reimbursement. In certain cases, direct payment to your vet may be possible if you and the provider arrange it in advance, but you should confirm this option with both parties.
How do I cancel my pet insurance policy with Amazon?
To cancel, you should mail a written request to the administrative office. Include your policy number and signature. There is no specified notice period in the contract, so cancellation takes effect upon receipt of your notice unless your carrier instructs otherwise.
What does Amazon pet insurance cover?
Amazon’s policy reimburses expenses for veterinary care due to accidents and most common illnesses in dogs and cats. Covered treatments include diagnostics, surgery, hospitalization, prescription medications, and certain therapies. Preventive care is only reimbursed if you purchase an extra endorsement.
Are pre-existing conditions covered?
Conditions or symptoms present before the start of the policy or appearing during the waiting period are not covered. Some cured health issues may be covered again if your pet is symptom- and treatment-free for 180 days, but this does not apply to knee or ligament injuries.
How do I file a claim with Amazon?
Obtain a claim form online or from the insurer. Submit the completed form along with your vet’s invoice and any medical records by mail. You may also have your veterinarian file directly if they agree. Claims are typically processed in 10 to 15 business days and reimbursement is sent by check or direct deposit.
Which veterinary clinics can I use with Amazon pet insurance?
You can use any licensed veterinarian within the United States, U.S. territories, or Canada. There are no network requirements or limitations on which providers you visit as long as they are legally authorized to practice veterinary medicine in those regions.
Do I have to pay upfront for veterinary fees with Amazon?
Yes, you normally pay your veterinarian directly at the time of service. With Amazon pet insurance, you then submit a claim for reimbursement. In certain cases, direct payment to your vet may be possible if you and the provider arrange it in advance, but you should confirm this option with both parties.
How do I cancel my pet insurance policy with Amazon?
To cancel, you should mail a written request to the administrative office. Include your policy number and signature. There is no specified notice period in the contract, so cancellation takes effect upon receipt of your notice unless your carrier instructs otherwise.
What does Amazon pet insurance cover?
Amazon’s policy reimburses expenses for veterinary care due to accidents and most common illnesses in dogs and cats. Covered treatments include diagnostics, surgery, hospitalization, prescription medications, and certain therapies. Preventive care is only reimbursed if you purchase an extra endorsement.
Are pre-existing conditions covered?
Conditions or symptoms present before the start of the policy or appearing during the waiting period are not covered. Some cured health issues may be covered again if your pet is symptom- and treatment-free for 180 days, but this does not apply to knee or ligament injuries.
How do I file a claim with Amazon?
Obtain a claim form online or from the insurer. Submit the completed form along with your vet’s invoice and any medical records by mail. You may also have your veterinarian file directly if they agree. Claims are typically processed in 10 to 15 business days and reimbursement is sent by check or direct deposit.
Which veterinary clinics can I use with Amazon pet insurance?
You can use any licensed veterinarian within the United States, U.S. territories, or Canada. There are no network requirements or limitations on which providers you visit as long as they are legally authorized to practice veterinary medicine in those regions.
