Dutch Pet Insurance Review 2025: Is It Worth It?
Our expert's opinion on Dutch
Dutch offers U.S.-based online veterinary care with an optional pet insurance add-on administered by Pets Best and underwritten by Independence American Insurance Company, pairing telehealth convenience with a customizable accident & illness product.
The insurance is offered as a core Accident & Illness plan with optional Essential or Best Wellness tiers, reimburses at 50%, 60%, 70%, 80% or 90%, provides annual limit options of $2,500, $5,000, $10,000 or no annual limit, allows policyholders to select deductible and co-insurance options at enrollment, and includes two wellness tiers that add vaccinations, parasite treatment, dental cleaning and routine care; compared with major competitors, Dutch emphasizes telehealth-led distribution, mid-range pricing and flexible plan construction administered through Pets Best, positioning itself as a convenience-focused, modular option.
Best suited for owners who prioritize telehealth access and modular A&I coverage, and for young to middle-aged companion animals where acute treatment and optional preventive care matter.
The insurance component is administered by Pets Best and underwritten by Independence American; claims are submitted online via the Pets Best customer portal or mobile app, and Dutch's broader service carries strong customer feedback on Trustpilot (4.6/5 from 2,342 reviews).
- ✅Integrated telehealth plus insurance add-on
- ✅Reimbursement choice from 50% to 90%
- ✅Annual limit options up to unlimited
- ✅Two wellness tiers covering vaccines and parasite care
- ✅Administered by Pets Best with app and portal claims
- ✅Short waiting periods for accidents and illnesses
- ✅Pricing examples provided by age and breed
- ❌Wellness benefit specifics and budgets not itemized in examples
- ❌Routine dental and vaccinations excluded without wellness add-on
- ❌Pre-existing conditions explicitly excluded
- ❌No coverage for boarding, cremation, breeding costs
- ❌Deductible selection can complicate price comparisons
Score- ✅Integrated telehealth plus insurance add-on
- ✅Reimbursement choice from 50% to 90%
- ✅Annual limit options up to unlimited
- ✅Two wellness tiers covering vaccines and parasite care
- ✅Administered by Pets Best with app and portal claims
- ✅Short waiting periods for accidents and illnesses
- ✅Pricing examples provided by age and breed
Our expert's opinion on Dutch
- ✅Integrated telehealth plus insurance add-on
- ✅Reimbursement choice from 50% to 90%
- ✅Annual limit options up to unlimited
- ✅Two wellness tiers covering vaccines and parasite care
- ✅Administered by Pets Best with app and portal claims
- ✅Short waiting periods for accidents and illnesses
- ✅Pricing examples provided by age and breed
- ❌Wellness benefit specifics and budgets not itemized in examples
- ❌Routine dental and vaccinations excluded without wellness add-on
- ❌Pre-existing conditions explicitly excluded
- ❌No coverage for boarding, cremation, breeding costs
- ❌Deductible selection can complicate price comparisons
Score- ✅Integrated telehealth plus insurance add-on
- ✅Reimbursement choice from 50% to 90%
- ✅Annual limit options up to unlimited
- ✅Two wellness tiers covering vaccines and parasite care
- ✅Administered by Pets Best with app and portal claims
- ✅Short waiting periods for accidents and illnesses
- ✅Pricing examples provided by age and breed
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Dutch Guarantees
Dutch offers three core configurations built around a customizable Accident & Illness product: the base Accident & Illness Plan, an enhanced option bundled with an Essential Wellness package, and a top‑tier version paired with a Best Wellness package.
Positioning is straightforward: the base plan targets owners seeking core accident and illness protection, the Essential Wellness bundle adds routine preventive elements, and the Best Wellness bundle provides the most comprehensive combination of illness/accident cover plus expanded wellness benefits.
Reimbursement is tiered and selectable, with co‑insurance options (50%, 60%, 70%, 80%, 90%) and a choice of annual limits ($2,500; $5,000; $10,000; or No Annual Limit); deductible structure and claim reimbursement period are determined at enrollment.
Plans are administered by Pets Best Insurance Services, LLC and underwritten by Independence American Insurance Company; core strengths include comprehensive diagnostic and surgical coverage and optional wellness add‑ons, while routine preventive care, certain elective procedures, and some after‑life benefits are outside core cover and must be chosen via supplements.
| Accident & Illness Plan | Accident & Illness Plan + Essential Wellness | Accident & Illness Plan + Best Wellness | |
|---|---|---|---|
| Plan positioning | Balanced core accident & illness protection | Enhanced — core cover + essential preventive benefits | Premium — core cover + most comprehensive wellness benefits |
| Type of coverage | Accident & Illness | Accident & Illness + Wellness | Accident & Illness + Wellness |
| Animals covered | Dogs, Cats | Dogs, Cats | Dogs, Cats |
| Reimbursement rate | 50%, 60%, 70%, 80%, 90% | 50%, 60%, 70%, 80%, 90% | 50%, 60%, 70%, 80%, 90% |
| Annual reimbursement limit | $2,500 / $5,000 / $10,000 / No Annual Limit | $2,500 / $5,000 / $10,000 / No Annual Limit | $2,500 / $5,000 / $10,000 / No Annual Limit |
| Deductible (annual or per claim) | N.C. | N.C. | N.C. |
| Age limits for enrollment | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting periods (accident / illness) | 3 days / 14 days | 3 days / 14 days | 3 days / 14 days |
| Lifetime coverage | N.C. | N.C. | N.C. |
| Consultations | With supplement | With supplement | With supplement |
| Medications | Yes | Yes | Yes |
| Hospitalization | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests | Imaging and lab tests: Yes | Imaging and lab tests: Yes | Imaging and lab tests: Yes |
| Dental care | No (routine dental excluded) | Routine dental covered via wellness | Routine dental covered via wellness |
| Preventive care | No | Vaccinations and routine care via wellness | Vaccinations and routine care via wellness |
| Alternative medicine | With supplement | With supplement | With supplement |
| Travel coverage | N.C. | N.C. | N.C. |
| Civil liability | N.C. | N.C. | N.C. |
| Euthanasia | No | No | No |
| Death & cremation coverage | No | No | No |
| Theft or loss + search expenses | N.C. | N.C. | N.C. |
| Boarding fees | No | No | No |
Pre‑existing conditions, defined as any condition with signs, symptoms, treatment, or veterinary advice before the policy effective date or during a waiting period, are excluded across plans.
Routine and preventive care (vaccinations, parasite control, routine dental cleaning, and similar) sit outside the base policy and are only covered when the corresponding wellness supplement is selected; elective cosmetic procedures and breeding‑related costs are also excluded.
Alternative and experimental therapies are excluded unless a specific supplement permits them, and administrative/non‑medical items such as boarding, transport, and after‑life procedures are not reimbursed.
Key limitations for policyholders include standard waiting periods (3 days for accidents, 14 days for illnesses), the need to select an appropriate annual limit and reimbursement tier at enrollment, and the absence of core coverage for many routine preventive services unless a wellness bundle is purchased.
Dutch Exclusions
Dutch’s exclusions concentrate on traditional medical limitations: pre‑existing conditions, experimental therapies, and limits on specialized dental procedures are all excluded, which can materially affect claims for chronic or previously symptomatic pets.
Elective and breeding‑related procedures (spaying/neutering when not medically necessary, tail docking, ear cropping, declawing) and activity‑related conditions (racing, professional performance) are explicitly excluded, creating clear boundaries for non‑therapeutic care.
Administrative and non‑medical costs—boarding, transport, bedding, non‑medical supplies, and after‑life services such as cremation or burial—are not reimbursed, shifting these ancillary expenses fully to owners.
Catastrophic events (pandemics, nuclear incidents, acts of war) and owner‑caused or neglect‑related conditions are excluded, while many complementary or alternative therapies remain uncovered unless a specific supplement is purchased, a distinction that separates Dutch’s offering from competitors that sometimes include limited complementary care.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions: any condition with signs, symptoms, or prior treatment before policy effective date or during waiting periods.Experimental therapies and non‑approved treatments.Limits on certain dental treatments (endodontic treatment limited to canine and carnassial teeth; specific dental pathologies excluded). |
| Elective and breeding exclusions | Elective or cosmetic procedures (tail docking, ear cropping, declawing).Breeding, pregnancy, whelping and related costs. |
| Behavioral and activity exclusions | Training and treatment for behavioral conditions (unless a specific supplement applies).Conditions resulting from organized racing or professional activities. |
| Specific therapies & treatments | Alternative/holistic treatments excluded unless a purchased supplement provides coverage.Rehabilitation and experimental modalities excluded unless specifically covered by endorsement. |
| Administrative & non‑medical exclusions | Administrative fees, boarding (non‑medical), transport, bedding, pet foods, supplements, toys, and similar non‑medical items.After‑life procedures (cremation, burial) not covered. |
| Catastrophic & other exclusions | Losses from pandemics, nuclear events, or acts of war are excluded.Owner‑caused injuries, intentional acts, or neglect are excluded. |
Dutch Prices
Dutch occupies a mid-range position in the pet insurance landscape, offering competitively priced plans that balance accessible monthly premiums with flexible reimbursement options (ranging from 50% to 90%) and selectable annual limits. Affordability is driven by the choice of deductible, reimbursement rate, and coverage cap: selecting a higher reimbursement percentage and a no‑limit annual cap raises the premium, while larger deductibles and lower co‑insurance keep monthly costs down, giving owners clear levers to tune price versus protection.
A key differentiator is Dutch’s digital-first model that pairs virtual veterinary care with an accident & illness insurance add‑on administered by Pets Best, which can reduce overhead and speed routine interactions; wellness add‑ons and optional supplements for consultations or alternative therapies further justify mid‑tier pricing for owners seeking convenience and broader preventive support. Compared with more traditional insurers, Dutch’s combination of telehealth services and configurable policy parameters positions it as a modern, flexible option rather than a bare‑bones entry product or a top‑end premium plan.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Accident & Illness Plan | Accident & Illness Plan + Essential Wellness | Accident & Illness Plan + Best Wellness |
|---|---|---|---|
| Dog Labrador 1 year | $64.05 | $80.05 | $90.05 |
| Dog Labrador 3 years | $64.05 | $80.05 | $90.05 |
| Dog Labrador 7 years | $125.61 | $141.61 | $151.61 |
| Dog Australian Shepherd 1 year | $45.16 | $61.16 | $71.16 |
| Dog Australian Shepherd 3 years | $45.16 | $61.16 | $71.16 |
| Dog Australian Shepherd 7 years | $69.56 | $85.56 | $95.56 |
| Dog French Bulldog 1 year | $104.81 | $120.81 | $130.81 |
| Dog French Bulldog 3 years | $104.81 | $120.81 | $130.81 |
| Dog French Bulldog 7 years | $205.53 | $221.53 | $231.53 |
| Cat European Shorthair 1 year | $24.70 | $40.70 | $50.70 |
| Cat European Shorthair 3 years | $24.70 | $40.70 | $50.70 |
| Cat European Shorthair 7 years | $38.04 | $54.04 | $64.04 |
| Cat Maine Coon 1 year | $31.34 | $47.34 | $57.34 |
| Cat Maine Coon 3 years | $31.34 | $47.34 | $57.34 |
| Cat Maine Coon 7 years | $56.11 | $72.11 | $82.11 |
| Cat British Shorthair 1 year | $28.04 | $44.04 | $54.04 |
| Cat British Shorthair 3 years | $28.04 | $44.04 | $54.04 |
| Cat British Shorthair 7 years | $38.27 | $54.27 | $64.27 |
Dutch promo codes
| Dutch 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 with Dutch?
✅ Example 1: Emergency cruciate ligament surgery Total vet costs: $6,200 (consultation, surgery, implants, hospitalization, medication) Deductible amount to subtract: $250 Amount reimbursable after deductible with the Best Wellness plan: $6,200 − $250 = $5,950 90% of that amount reimbursed: $5,950 × 90% = $5,355
👉 You receive a reimbursement of $5,355.
ℹ️ *The annual deductible applies once per policy year; once met, subsequent eligible claims that year won’t be reduced by the deductible.*
✅ Example 2: Cancer diagnostics and chemotherapy Total vet costs: $4,800 (imaging, biopsy, chemotherapy drugs, follow-up visits) Deductible amount to subtract: $0 (deductible already met earlier in the year) Amount reimbursable after deductible with the Best Wellness plan: $4,800 − $0 = $4,800 90% of that amount reimbursed: $4,800 × 90% = $4,320
👉 You receive a reimbursement of $4,320.
ℹ️ *Reimbursements are paid up to your chosen annual limit (e.g., $10,000 or no limit); this claim reduces the remaining annual maximum accordingly.*
✅ Example 3: Annual wellness visit, vaccinations and dental cleaning Total vet costs: $420 (exam, core vaccinations, dental cleaning) Deductible amount to subtract: $0 (wellness benefits in the Best Wellness plan are shown here with no deductible) Amount reimbursable after deductible with the Best Wellness plan: $420 − $0 = $420 90% of that amount reimbursed: $420 × 90% = $378
👉 You receive a reimbursement of $378.
ℹ️ *Wellness benefits often have their own sub-limits or caps; confirm any annual wellness maximum to know how many visits or services are covered.*
Dutch Assistance
Dutch’s assistance is centered on virtual care, offering unlimited video veterinary consultations with night and weekend availability that are especially valuable for triage, prescriptions, and non‑urgent follow‑ups.
The insurance add‑on is administered by Pets Best and claims are handled digitally through the Pets Best online portal and mobile app, enabling paperless submissions and status tracking.
This setup reduces the need for in‑person visits for many issues, but there is no dedicated 24/7 emergency veterinary hotline for real‑time triage of critical emergencies, so owners should identify local emergency clinics for urgent care.
Advance payment arrangements and formal installment financing are not part of Dutch’s highlighted services; owners may need to use third‑party payment solutions or pay at point of care.
| Assistance Dutch | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ✅ | Claims and account access via the Pets Best mobile app. App rating: N.C. |
| Paperless claims process | ✅ | Claims submitted through Pets Best online portal and mobile app. Supports digital uploads and tracking. |
| Emergency vet service | ✅ | Teleconsultation with video visits available nights and weekends. No dedicated 24/7 emergency hotline. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ❌ | N.C. |
App rating: N.C.
Supports digital uploads and tracking.
No dedicated 24/7 emergency hotline.
Customer Reviews on Dutch
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.6/5 (2,342 reviews) |
Customers most often praise the convenience of Dutch's telehealth service, noting smooth video appointments, straightforward scheduling, and veterinarians who are personable and effective in handling non‑urgent issues. Many reviewers report timely prescriptions and an overall user‑friendly experience that makes remote care a practical alternative to in‑person visits.
On the other hand, some users express frustration with pharmacy delivery times and occasional delays in communications related to pricing or prescription fulfillment. A few customers mention slower responses when resolving pharmacy or price‑match issues, which can temper an otherwise positive telehealth experience.
Here are some examples of customer reviews:
- *T.K. — 02/09/2025 — “I have an old dog that does not like the car or going to the vet… It was super smooth and simple… I would highly recommend this for things that don't require you to be in person.”*
- *M.W. — 01/09/2025 — “This was my first experience with Dutch and Dr. Siebert was fantastic… made sure all of our cats are protected…”*
- *J.V. — 01/09/2025 — “The call happened exactly on time and the doctor was able to prescribe medication for my dog… very personable and friendly.”*
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. You can also begin enrollment or view plan details on Dutch’s website; for assistance call the policy administrator Pets Best at 877-738-7237. |
| To request and track a reimbursement | Submit claims online via the Pets Best Customer Account at www.PetsBest.com/customerportal or via the Pets Best mobile app. For claim tracking, log in to the customer portal or contact Pets Best by phone at 877-738-7237. Required documents: N.C. Submission deadlines: N.C. Reimbursement method (e.g., check, ACH) and timing: N.C. |
| To obtain a certificate of insurance | Request a certificate via the Pets Best customer portal or by contacting Pets Best by phone at 877-738-7237. You may also send a written request to Pets Best Insurance Services, LLC, 10840 Ballantyne Commons Parkway, Charlotte, NC 28277. Information required to process the request: N.C. Issuance timing and delivery method: N.C. |
| To contact assistance | Phone: Pets Best at 877-738-7237. Web/portal: www.PetsBest.com/customerportal and the Pets Best mobile app. Mailing addresses: Pets Best Insurance Services, LLC, 10840 Ballantyne Commons Parkway, Charlotte, NC 28277; Notice address: 965 Keller Road, Altamonte Springs, FL 32714. Email contact: N.C. |
| To cancel my policy | You can request policy cancellation through the Pets Best customer portal or by contacting Pets Best by phone at 877-738-7237; you may also send a cancellation notice by mail to 965 Keller Road, Altamonte Springs, FL 32714. Information to provide when cancelling (policy identifier, pet details): N.C. Notice periods, refund or proration conditions, and confirmation procedure: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Dutch?
N.C.
Claims for veterinary fees are submitted through the Pets Best customer portal or the Pets Best mobile app.
Payment timing, third‑party payment, or advance payment options are N.C.
Telehealth consults are available via video appointments and may include prescription facilitation when appropriate.A: N.C.
How do I cancel my pet insurance policy with Dutch?
Contact Pets Best by phone at 877‑738‑7237 or use the Pets Best customer portal to request policy changes or a cancellation.
Specific cancellation steps, required supporting documents, and the formal notice period are N.C.
Refunds, proration rules, and any written confirmation requirements after cancellation are N.C.
For account access and service requests, use www.PetsBest.com/customerportal.A: N.C.
What are the waiting periods for accident and illness coverage?
Accident coverage is subject to a 3‑day waiting period.
Illness coverage is subject to a 14‑day waiting period.
These waiting periods start on the policy effective date and must elapse before benefit payments begin.
Certain procedures or conditions may have additional timing rules or restrictions.
What reimbursement rates and annual limits can I choose?
Reimbursement options are selectable at 50%, 60%, 70%, 80%, or 90%.
Annual reimbursement limit choices include $2,500, $5,000, $10,000, or No Annual Limit.
Higher reimbursement percentages and no‑limit selections generally increase premium cost and reduce out‑of‑pocket risk.
Your deductible selection combined with reimbursement and limit choices determines overall cost sharing.
What are the enrollment age rules and how are pre‑existing conditions handled?
Specific minimum and maximum enrollment ages for dogs and cats are N.C.
Pre‑existing conditions are excluded if the pet showed signs, symptoms, or received treatment before the policy effective date or during a waiting period.
Chronic or bilateral conditions may be considered pre‑existing based on prior medical history.
Provide complete medical history at enrollment to ensure accurate underwriting and claims assessment.
How do claims and telehealth services work with Dutch?
Claims are filed online via the Pets Best customer portal or through the Pets Best mobile app.
Dutch members have access to virtual vet video visits with night and weekend availability for non‑emergency clinical advice.
Reimbursement timing, required documentation for claims, and specific processing timelines are N.C.
Prescriptions and follow‑up care arising from telehealth visits are facilitated through the telehealth service when clinically appropriate.
Do I have to pay upfront for veterinary fees with Dutch?
N.C.
Claims for veterinary fees are submitted through the Pets Best customer portal or the Pets Best mobile app.
Payment timing, third‑party payment, or advance payment options are N.C.
Telehealth consults are available via video appointments and may include prescription facilitation when appropriate.A: N.C.
How do I cancel my pet insurance policy with Dutch?
Contact Pets Best by phone at 877‑738‑7237 or use the Pets Best customer portal to request policy changes or a cancellation.
Specific cancellation steps, required supporting documents, and the formal notice period are N.C.
Refunds, proration rules, and any written confirmation requirements after cancellation are N.C.
For account access and service requests, use www.PetsBest.com/customerportal.A: N.C.
What are the waiting periods for accident and illness coverage?
Accident coverage is subject to a 3‑day waiting period.
Illness coverage is subject to a 14‑day waiting period.
These waiting periods start on the policy effective date and must elapse before benefit payments begin.
Certain procedures or conditions may have additional timing rules or restrictions.
What reimbursement rates and annual limits can I choose?
Reimbursement options are selectable at 50%, 60%, 70%, 80%, or 90%.
Annual reimbursement limit choices include $2,500, $5,000, $10,000, or No Annual Limit.
Higher reimbursement percentages and no‑limit selections generally increase premium cost and reduce out‑of‑pocket risk.
Your deductible selection combined with reimbursement and limit choices determines overall cost sharing.
What are the enrollment age rules and how are pre‑existing conditions handled?
Specific minimum and maximum enrollment ages for dogs and cats are N.C.
Pre‑existing conditions are excluded if the pet showed signs, symptoms, or received treatment before the policy effective date or during a waiting period.
Chronic or bilateral conditions may be considered pre‑existing based on prior medical history.
Provide complete medical history at enrollment to ensure accurate underwriting and claims assessment.
How do claims and telehealth services work with Dutch?
Claims are filed online via the Pets Best customer portal or through the Pets Best mobile app.
Dutch members have access to virtual vet video visits with night and weekend availability for non‑emergency clinical advice.
Reimbursement timing, required documentation for claims, and specific processing timelines are N.C.
Prescriptions and follow‑up care arising from telehealth visits are facilitated through the telehealth service when clinically appropriate.
On the same topic
