Dutch Pet Insurance 2025: Comprehensive Review for US Pet Owners
Our expert's opinion on Dutch
Dutch provides a unique US-market pet insurance and care solution that combines unlimited virtual veterinary consultations with an accident-only insurance policy, emphasizing affordability and convenience for pet owners seeking emergency protection for their cats and dogs. The plan offers up to $10,000 per year in accident coverage per pet, a $250 annual deductible, and a 90% reimbursement rate (10% coinsurance), but does not cover illnesses or preventive care, keeping pricing low compared to comprehensive competitors like Lemonade, Spot, or Healthy Paws. Dutch is best suited to owners of young, healthy pets—including multiple pets—seeking essential accident protection at low monthly costs, digital-native services, and 24/7 access to care rather than exhaustive illness coverage or high-end wellness budgets. The insurance is underwritten by Independence American Insurance Company (and sometimes American Pet Insurance Company), major US specialty pet insurers with strong financial stability; Dutch holds an excellent Trustpilot rating of 4.6/5 from 1,658+ reviewers, and claims are processed via the Pets Best digital portal, typically reimbursing within 14–30 days depending on claim complexity.
- ✅Unlimited virtual vet care included
- ✅$10,000/year accident coverage per pet
- ✅Low, predictable pricing ($7–$9/month)
- ✅90% reimbursement after $250 deductible
- ✅Fully digital claims/enrollment process
- ✅Covers up to five pets per account
- ✅Excellent Trustpilot reputation (4.6/5, 1,658+ reviews)
- ❌No illness or disease coverage
- ❌No wellness or preventive care options
- ❌Excludes cruciate ligament injuries
- ❌Annual limit cannot be increased beyond $10,000
- ❌Accident-only plan (not suitable for chronic conditions)
- ✅Unlimited virtual vet care included
- ✅$10,000/year accident coverage per pet
- ✅Low, predictable pricing ($7–$9/month)
- ✅90% reimbursement after $250 deductible
- ✅Fully digital claims/enrollment process
- ✅Covers up to five pets per account
- ✅Excellent Trustpilot reputation (4.6/5, 1,658+ reviews)
Our expert's opinion on Dutch
ScoreDutch provides a unique US-market pet insurance and care solution that combines unlimited virtual veterinary consultations with an accident-only insurance policy, emphasizing affordability and convenience for pet owners seeking emergency protection for their cats and dogs. The plan offers up to $10,000 per year in accident coverage per pet, a $250 annual deductible, and a 90% reimbursement rate (10% coinsurance), but does not cover illnesses or preventive care, keeping pricing low compared to comprehensive competitors like Lemonade, Spot, or Healthy Paws. Dutch is best suited to owners of young, healthy pets—including multiple pets—seeking essential accident protection at low monthly costs, digital-native services, and 24/7 access to care rather than exhaustive illness coverage or high-end wellness budgets. The insurance is underwritten by Independence American Insurance Company (and sometimes American Pet Insurance Company), major US specialty pet insurers with strong financial stability; Dutch holds an excellent Trustpilot rating of 4.6/5 from 1,658+ reviewers, and claims are processed via the Pets Best digital portal, typically reimbursing within 14–30 days depending on claim complexity.
- ✅Unlimited virtual vet care included
- ✅$10,000/year accident coverage per pet
- ✅Low, predictable pricing ($7–$9/month)
- ✅90% reimbursement after $250 deductible
- ✅Fully digital claims/enrollment process
- ✅Covers up to five pets per account
- ✅Excellent Trustpilot reputation (4.6/5, 1,658+ reviews)
- ❌No illness or disease coverage
- ❌No wellness or preventive care options
- ❌Excludes cruciate ligament injuries
- ❌Annual limit cannot be increased beyond $10,000
- ❌Accident-only plan (not suitable for chronic conditions)
- ✅Unlimited virtual vet care included
- ✅$10,000/year accident coverage per pet
- ✅Low, predictable pricing ($7–$9/month)
- ✅90% reimbursement after $250 deductible
- ✅Fully digital claims/enrollment process
- ✅Covers up to five pets per account
- ✅Excellent Trustpilot reputation (4.6/5, 1,658+ reviews)
- Dutch Guarantees
- Dutch Exclusions
- Dutch Prices
- Dutch Assistance
- Customer Reviews on Dutch
- Contact Dutch
- 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.
Dutch Guarantees
Dutch offers a single accident-only insurance plan for pets, paired with unlimited virtual vet care via video consultations and prescription delivery services.
The insurance covers up to $10,000 per year for emergency accidents, with a $250 annual deductible and a 10% coinsurance, and applies to all cats and dogs in the household (up to 5 pets).
Strengths include the convenience of unlimited telehealth for routine and behavioral care, and a straightforward reimbursement process with no provider network restrictions in the US.
However, Dutch’s plan excludes illnesses, pre-existing injuries, cruciate ligament injuries, and lacks wellness or preventive coverage, which may leave gaps for owners seeking comprehensive or long-term protection (N.C. for broad benefit categories).
| Name of coverage | Dutch Accident Plan |
|---|---|
| Plan positioning | Digital, entry-level, accident-only |
| Type of coverage (accident, illness, both) | Accident only (illness not covered) |
| Animals covered (dogs, cats, other) | Dogs and cats (up to 5 per household) |
| Reimbursement rate (%) | 90% after $250 deductible |
| Annual reimbursement limit | $10,000 per pet |
| Deductible (annual or per claim) | $250 annual |
| Age limits for enrollment (for dogs and cats) | N.C. |
| Pre-enrollment health questionnaire | N.C. |
| Waiting period (illness) | N.C. (illness not covered) |
| Waiting period (accident) | N.C. |
| Lifetime coverage once subscribed | N.C. |
| Vet consultations (regular + emergency) | Unlimited video consults; emergencies covered (accidents only) |
| Medications | N.C. for insurance; prescriptions via Dutch telehealth for select cases |
| Hospitalization | For insured accident emergencies only |
| Surgery (including anesthesia) | For insured accident emergencies only |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | For insured accident emergencies only |
| Dental care (includes scaling and procedures) | ❌ (not covered by insurance) |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ not included |
| Alternative medicine (osteopathy, acupuncture, etc.) | ❌ not included |
| Travel coverage (countries included, duration) | USA only |
| Civil liability | ❌ not included |
| Euthanasia | ❌ not included |
| Death & cremation coverage | ❌ not included |
| Theft or loss of pet + search expenses | ❌ not included |
| Boarding fees (if owner is hospitalized) | ❌ not included |
Good to know
Dutch’s plan activates the 1st of the month following enrollment and covers emergency accident care at any veterinarian in the U.S., with no network restrictions. Unlimited virtual vet consultations are included for both behavioral and medical issues, but only accident emergencies are covered for in-person reimbursement.
Compare Dutch with other pet insurers to make sure you get the coverage and price that best fit your needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Dutch Exclusions
Dutch accident insurance specifically excludes all illnesses and diseases, as well as any claim from pre-existing injuries or cruciate ligament injuries, making its exclusions more restrictive than typical accident & illness plans.
Coverage is strictly limited to accidental trauma, poisoning, bites, foreign-body ingestion, or motor vehicle injuries, with no benefit for chronic conditions, hereditary issues, elective procedures, or non-emergency care.
Routine wellness procedures and preventive care (such as vaccinations, spaying/neutering, and dental cleanings) are not included, even as an option.
Care provided outside the U.S. is excluded, and the policy does not cover costs related to behavioral problems, cosmetic issues, breeding, or elective euthanasia.
This narrow focus on accidents means Dutch leaves significant gaps that owners should compare carefully to more comprehensive policies before purchase.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Preventive/wellness |
|
| Coverage limitations |
|
| Owner/policy exclusions |
|
| Administrative |
|
- All illnesses and diseases (chronic or acute)
- Pre-existing injuries
- Cruciate ligament injuries
- Elective and cosmetic procedures
- Hereditary and congenital conditions
- Behavioral problems
- Vaccinations
- Spaying/neutering
- Routine dental cleanings
- Flea, tick, and heartworm prevention
- Preventive screens, microchipping
- Any care outside the United States
- Non-emergency or routine care
- Prescriptions unrelated to an accident
- Death/cremation not resulting from a covered accident
- Breeding, pregnancy, or whelping
- Elective euthanasia
- Cosmetic or convenience procedures
- Costs due to owner negligence, abuse, or intentional harm
- Claims not submitted within deadlines
- Expenses above $10,000/year benefit capServices by unlicensed providers
Dutch Prices
Dutch positions itself as an affordable but limited pet insurance solution, offering competitive monthly rates that are typically well below those of traditional comprehensive insurers.
As a pure digital provider, Dutch leverages telehealth, streamlined claims, and a narrow accident-only focus to keep premiums as low as $7–9/month, making it highly accessible for cost-conscious owners.
However, this lower price point reflects restricted coverage: only accidental injuries are covered, while any illnesses, chronic conditions, or comprehensive wellness benefits are excluded.
Deductibles and coinsurance remain moderate, but the $10,000 annual benefit cap applies only to accident-related claims, further defining the product as budget-friendly but narrowly scoped.
In summary, Dutch serves pet owners seeking basic, affordable protection and unlimited virtual vet care over broad, reimbursement-rich policies.
| Dutch Plan | |
|---|---|
| Young cat (2–4 years) | $7/month |
| Senior cat (7–8 years) | $7/month |
| Small breed dog | $9/month |
| Small breed dog (2–4 years) | $9/month |
| Large breed dog (2–4 years) | $9/month |
| Senior dog (7–8 years) | $9/month |
Compare monthly plans below to find the price that best fits your needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Dutch promo codes
| Dutch Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
| Limited time offer | Up to $45 off plans |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
The reimbursement amount with Dutch
With Dutch’s highest-tier accident plan, you pay a $250 annual deductible and 10% coinsurance—the plan covers the rest, up to $10,000 per year, making reimbursements fast and simple for unexpected emergencies.
✅ Example 1: Emergency surgery for foreign-body ingestion
Total vet costs: $2,700 (consultation, X-ray, surgery, hospitalization, meds)
Deductible amount to subtract: $250 (first claim of the year)
Amount reimbursable after deductible: $2,700 – $250 = $2,450 90% of that amount reimbursed: $2,450 × 90% = $2,205
👉 You receive a reimbursement of $2,205.
ℹ️ The $250 deductible only applies once per policy year—future claims skip this step until your renewal.
✅ Example 2: Broken leg after an accident
Total vet costs: $4,100 (ER consult, X-ray, surgery, follow-up)
Deductible already paid earlier in the year
Amount reimbursed at 90%: $4,100 × 90% = $3,690
👉 You receive $3,690.
ℹ️ Only the 10% coinsurance is left for you to cover when your deductible is used up for the year.
✅ Example 3: Treatment for a dog bite wound Total vet costs: $800 (wound cleaning, antibiotics, suture)
Deductible already met this policy year Amount reimbursed at 90%: $800 × 90% = $720
👉 You receive $720.
ℹ️ Dutch covers multiple emergencies per year, up to the $10,000 annual benefit cap.
Dutch Assistance
| Assistance Dutch | Available? | Details |
|---|---|---|
| Advance payment | ✅ | Vet Direct Pay possible for in-person accident claims if vet participates. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | N.C. |
| Paperless claims process | ✅ | Claims for accident coverage are submitted via the Pets Best website or portal for quick reimbursement. |
| Emergency vet service | ✅ | Unlimited virtual care via video/phone with licensed veterinarians. 24/7 support for behavioral and physical issues. |
| Vet/clinic partner network | ❌ | Any licensed U.S. veterinarian may be used; no formal partner clinic network. |
| Coverage abroad | ❌ | Covered only within the US. N.C. for services outside of the country. |
Customer Reviews on Dutch
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.6/5 (1,658 reviews) |
We analyzed reviews from the sites listed above.
On the positive side, customers who subscribed to Dutch for their pets often mention:
- An easy-to-use and convenient scheduling platform, which is especially helpful for busy pet owners or those with multiple pets.
- A level of affordability for services and prescriptions that is competitive compared to in-person alternatives.
- An ability to access knowledgeable, compassionate veterinarians who provide detailed explanations and personalized treatment plans.
- A quick response time for appointments and prescription fulfillment.
- An overall positive telehealth experience with stress-free access to care and clear digital communication.
On the negative side:
- A concern of potential review bias, as Dutch sometimes invites reviews through channels not fully verified by the review site.
- An inability to address or treat all pet health needs virtually, meaning some issues still require in-person vet visits.
- A very small number of users who reported less satisfactory experiences regarding response speed or telehealth limitations, though these are infrequent.
- A lack of integration with brick-and-mortar clinics or a full partner vet network for physical emergencies.
Contact Dutch
| Dutch 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 your claim through the Pets Best app or website. You will need to upload a detailed invoice and any supporting medical records. After review, reimbursement is paid via direct deposit or check, typically within 5–7 business days once approved. For questions, contact Pets Best at 877-738-7237 or [email protected]. |
| To obtain a certificate of insurance | Request your certificate by email at [email protected] or through your customer dashboard on Dutch. |
| To contact assistance | For virtual veterinary care, book an appointment via the Dutch platform or email [email protected]. For insurance or policy questions, call Pets Best at 877-738-7237. Emergency care is accessed at any US veterinary clinic. |
| To cancel my policy | Contact [email protected] stating your intent to cancel and include your full name, pet’s details, and policy number. You may also call Pets Best at 877-738-7237. Policy can be canceled at any time, with refunds prorated for unused periods. |
FAQ
Do I have to pay upfront for veterinary fees with Dutch?
Yes, with Dutch you typically pay your veterinarian directly for treatment at the time of your visit. There is an option for Vet Direct Pay, where Pets Best (the claims administrator) pays the vet directly if your provider accepts this arrangement. Most pet owners should be prepared to pay upfront and submit a claim for reimbursement.
How do I cancel my pet insurance policy with Dutch?
You can cancel your Dutch pet insurance policy at any time by contacting Dutch customer support via email or phone. No specific notice period is required, but it is best to provide your name, policy number, and reason for cancellation. Any unused premium is refunded pro rata.
What does the Dutch pet insurance policy cover?
Dutch pet insurance provides accident-only coverage. This includes reimbursement for veterinary expenses from injuries such as wounds, poisoning, broken bones, animal bites, and foreign-body ingestion. Illnesses, pre-existing conditions, and cruciate ligament injuries are not covered.
Is there a waiting period before coverage starts?
Yes, coverage with Dutch starts on the first day of the month following your sign-up. Check your policy documents or contact Dutch for confirmation of your coverage activation date. Accidents occurring before coverage begins are not eligible.
How do I file a claim and how long does reimbursement take?
To file a claim, submit your itemized invoice and relevant medical records via the Pets Best website or app. Most claims are processed within 5 to 7 business days once all documents are received. Reimbursement is issued by direct deposit or mailed check, depending on your selection.
Do I have to pay upfront for veterinary fees with Dutch?
Yes, with Dutch you typically pay your veterinarian directly for treatment at the time of your visit. There is an option for Vet Direct Pay, where Pets Best (the claims administrator) pays the vet directly if your provider accepts this arrangement. Most pet owners should be prepared to pay upfront and submit a claim for reimbursement.
How do I cancel my pet insurance policy with Dutch?
You can cancel your Dutch pet insurance policy at any time by contacting Dutch customer support via email or phone. No specific notice period is required, but it is best to provide your name, policy number, and reason for cancellation. Any unused premium is refunded pro rata.
What does the Dutch pet insurance policy cover?
Dutch pet insurance provides accident-only coverage. This includes reimbursement for veterinary expenses from injuries such as wounds, poisoning, broken bones, animal bites, and foreign-body ingestion. Illnesses, pre-existing conditions, and cruciate ligament injuries are not covered.
Is there a waiting period before coverage starts?
Yes, coverage with Dutch starts on the first day of the month following your sign-up. Check your policy documents or contact Dutch for confirmation of your coverage activation date. Accidents occurring before coverage begins are not eligible.
How do I file a claim and how long does reimbursement take?
To file a claim, submit your itemized invoice and relevant medical records via the Pets Best website or app. Most claims are processed within 5 to 7 business days once all documents are received. Reimbursement is issued by direct deposit or mailed check, depending on your selection.
