Is Dutch Pet Insurance Worth It? Reviews & Insights 2025
Our Expert's Opinion on Dutch
Dutch is a leading US-based digital pet care provider, pairing unlimited virtual veterinary care with accident insurance through a streamlined, fully online platform. The core insurance, underwritten by Independence American Insurance Company via Pets Best, offers accident-only coverage with a $10,000 annual reimbursement cap per pet, a $250 deductible, and 10% coinsurance—striking a balance between robust emergency protection and affordability. Dutch positions itself as a mid-priced, highly accessible solution, especially compared to traditional players like Healthy Paws or Nationwide, with standout strengths in combining telehealth with insurance and clear, competitive pricing.
This service is particularly suited to owners of healthy, younger cats and dogs, households seeking fast access to expert veterinary advice, or multi-pet families managing on a modest budget, but it does not extend to illness reimbursement so may not satisfy those with aging pets or animals prone to chronic disease. The Dutch platform is solidly established, supported by renowned US underwriters, and has processed claims such as $5,100 reimbursed on a $5,700 accident bill. Customer feedback is excellent, as reflected by a 4.6/5 Trustpilot average over 1,650+ reviews—users praise convenience, knowledgeable vets, and fast, compassionate service. Claims are processed digitally, typically within market-average timeframes, and Dutch maintains transparent, proactive customer communications.
- ✅Unlimited virtual vet consults included
- ✅$10,000 accident coverage per year per pet
- ✅Simple $250 deductible and 10% coinsurance
- ✅Fast, paperless online claim process
- ✅Supports up to 5 pets on one subscription
- ✅High Trustpilot rating (4.6/5 with 1,650+ reviews)
- ✅Competitive monthly cost for accident-only coverage
- ❌No illness or chronic disease coverage
- ❌Does not cover cruciate ligament injuries
- ❌Preventive care and wellness excluded
- ❌Annual limit on accident reimbursement
- ❌Coverage only eligible in US, not for travel
- ✅Unlimited virtual vet consults included
- ✅$10,000 accident coverage per year per pet
- ✅Simple $250 deductible and 10% coinsurance
- ✅Fast, paperless online claim process
- ✅Supports up to 5 pets on one subscription
- ✅High Trustpilot rating (4.6/5 with 1,650+ reviews)
- ✅Competitive monthly cost for accident-only coverage
Our Expert's Opinion on Dutch
Score- ✅Unlimited virtual vet consults included
- ✅$10,000 accident coverage per year per pet
- ✅Simple $250 deductible and 10% coinsurance
- ✅Fast, paperless online claim process
- ✅Supports up to 5 pets on one subscription
- ✅High Trustpilot rating (4.6/5 with 1,650+ reviews)
- ✅Competitive monthly cost for accident-only coverage
- ❌No illness or chronic disease coverage
- ❌Does not cover cruciate ligament injuries
- ❌Preventive care and wellness excluded
- ❌Annual limit on accident reimbursement
- ❌Coverage only eligible in US, not for travel
- ✅Unlimited virtual vet consults included
- ✅$10,000 accident coverage per year per pet
- ✅Simple $250 deductible and 10% coinsurance
- ✅Fast, paperless online claim process
- ✅Supports up to 5 pets on one subscription
- ✅High Trustpilot rating (4.6/5 with 1,650+ reviews)
- ✅Competitive monthly cost for accident-only coverage
- Dutch guarantees
- Exclusions of Dutch
- Dutch rates
- Dutch Assistance
- Customer feedback on Dutch
- How to contact Dutch?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available on the US market every year to provide you with reliable and unbiased analysis. Thanks to this dedication, hundreds of thousands of users in the US trust us each month to help them make important financial decisions.
Dutch guarantees
Dutch stands out with an affordable accident-only insurance plan combined with unlimited virtual veterinary care, ideal for U.S. pet owners seeking simplicity and convenience.
The plan reimburses 90% of covered accident expenses, after a $250 annual deductible, up to a $10,000 annual limit per pet, but does not provide any illness, disease, or routine/preventive care coverage.
Virtual vet visits for behavioral and medical issues are unlimited and included, with online access to licensed vets, free prescription delivery, and the flexibility to use any U.S. veterinarian for emergencies—even without preapproval.
Key advantages include flat pricing, a streamlined claim process, and treatment at any U.S. clinic, while major drawbacks are the lack of illness/medical disease reimbursement, preventive care, or dental/diet support.
Dutch's value lies in its blend of 24/7 telehealth and robust accident protection, but owners wanting comprehensive health, wellness, chronic illness, or preventive coverage will need to look elsewhere.
| Guarantee Name | Dutch Accident-Only & Virtual Vet Plan |
|---|---|
| Plan Positioning | Accident-only insurance + unlimited virtual vet care |
| Type of Coverage | Accidents (injury, poisoning, bites, ingestion, trauma) |
| Covered Animals | Dogs and cats (non-commercial pets) |
| Reimbursement Rate (%) | 90% (after deductible) |
| Annual Reimbursement Limit (veterinary expenses) | $10,000 per pet |
| Annual/Per-Incident Deductible | $250 annual per pet |
| Min/Max Age to Enroll (cats) | NC |
| Min/Max Age to Enroll (dogs) | NC |
| Health Questionnaire Required? | NC |
| Waiting Period for Illness | Not covered |
| Waiting Period for Accidents | 3 days |
| Lifetime Insurance Once Enrolled? | NC |
| Routine Vet Consultations (in-clinic) | ❌ (unless due to covered accident) |
| Virtual Consultations (all issues) | ✅ (unlimited, included) |
| Medications | Only if prescribed after covered accident |
| Hospitalization | ✅ (for covered accident claims) |
| Ambulance Costs | NC |
| Surgery, Anesthesia | ✅ (for covered accident) |
| Scans, MRI, Ultrasounds | ✅ (for covered accident, within $10k/year) |
| Laboratory Tests | ✅ (for covered accident) |
| Radiotherapy | ❌ |
| Dental Coverage | ❌ (no dental, except injury from accident) |
| Teeth Cleaning | ❌ |
| Preventive Care Package (amount & what’s included) | ❌ |
| Alternative Therapies (acupuncture, etc.) | ❌ |
| Prescription Diets | ❌ |
| Covered Countries / Travel | USA only |
| Death / Cremation | ❌ |
| Euthanasia | ❌ |
| Theft/Loss/Recovery Expenses | ❌ |
| Boarding Fees (pet care if owner hospitalized) | ❌ |
Good to know
- Insurance covers multiple accident events annually up to the policy limit.
- You must pay the clinic/vet first, then get reimbursed after claim approval.
- Up to 5 pets can be covered on one Dutch subscription, but each pet gets its own $10,000 insurance cap and deductible.
- Accident insurance does not include illnesses, hereditary conditions, cruciate ligament injuries, or any pre-existing issues.
- No preventive, wellness, dental cleaning, or vaccination reimbursement at all.
- All U.S. clinics are eligible, and virtual care is unlimited for most health and behavioral issues.
Start comparing now to discover the top accident-only plan and see if you can lock in the lowest price for your pets.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Exclusions of Dutch
Unlike most comprehensive pet insurance policies, Dutch’s accident insurance distinctly excludes all illnesses, including any disease, and is strictly limited to accident-related events. Notably, cruciate ligament injuries are excluded—even though these are sometimes covered by competitors under accident clauses (often with a waiting period).
Pre-existing injuries are categorically excluded in line with industry standards, but Dutch’s simple eligibility criteria and broad US-wide geographical coverage (any US vet, no pre-approval) stand out compared to rivals' frequent vet network restrictions.
There is no coverage for non-accidental health issues, routine/preventive care, or any conditions not caused by an acute and unexpected incident.
No wellness, dental, behavioral, elective, or congenital conditions are eligible for reimbursement under this plan.
| Exclusions | Details |
|---|---|
| Medical exclusions | - All illnesses/diseases - Pre-existing injuries - Cruciate ligament injuries - Preventive care (vaccines, annual exams, dental, etc.) - Chronic, congenital, hereditary, or behavioral conditions - Elective/cosmetic procedures - Wellness care of any kind |
| Geographic exclusions | - No coverage outside the United States |
| Accident-type exclusions | - Anything not directly resulting from an accident (e.g. non-emergency, gradual injuries, or unspecified causes) |
| Identification exclusions | - None specifically (coverage applies to any covered pet on the account; no breed/ID-based exclusions mentioned) |
| Other general exclusions | - Medical events occurring before policy activation (pre-existing) - Non-veterinary charges (food, boarding, toys, clothing, administrative fees, taxes) - Any vet expenses not related to a specified accident |
- Pre-existing injuries
- Cruciate ligament injuries
- Preventive care (vaccines, annual exams, dental, etc.)
- Chronic, congenital, hereditary, or behavioral conditions
- Elective/cosmetic procedures
- Wellness care of any kind
- Non-veterinary charges (food, boarding, toys, clothing, administrative fees, taxes)
- Any vet expenses not related to a specified accident
Dutch rates
Dutch is positioned as an economical but limited option compared to full-service traditional pet insurance providers. The formula features low monthly premiums and relies heavily on a fully digital model, which significantly reduces management and distribution costs.
Coverage is restricted exclusively to accident-related veterinary expenses (no illness reimbursement), with a $10,000 annual limit, a $250 deductible, and 90% reimbursement rate after deductible, which is lower in cost due to these narrower guarantees. Dutch makes virtual vet care unlimited and bundled, which adds value in telemedicine but does not impact emergency veterinary bills outside accident scope.
This model makes Dutch highly competitive on price for pet owners primarily seeking financial protection against accidents, but not suitable for those looking for comprehensive medical coverage for chronic disease or preventive care.
Start by comparing several providers to ensure you find the best value and coverage level for your pet’s needs.
| Dutch Accident + Virtual Care (Accident Only) | |
|---|---|
| Young cat (2–4 years) | $7/month |
| Senior cat (7–8 years) | $7/month |
| Small dog (2–4 years) | $9/month |
| Small dog (7–8 years) | $9/month |
| Large dog (2–4 years) | $9/month |
| Senior dog (7–8 years) | $9/month |
Dutch promo codes
| Dutch Promo Codes | Details |
|---|---|
| Limited time offer | Up to $45 off plans |
| HelloSafe promo code | -5% on your quote |
Note: Promo codes may change. For the latest codes, visit our comparison of the best pet insurance offers.
How much will I be reimbursed with Dutch?
Dutch’s accident insurance reimburses you for eligible emergency veterinary expenses related to accidents, helping you protect your pet—and your wallet—when you need it most. After you pay your vet bill, you simply submit a claim and are reimbursed for covered costs beyond an annual $250 deductible and 10% coinsurance, up to a generous $10,000 per year, at any licensed US vet.
Example 1: Emergency Surgery After Ingesting a Foreign Object
Total vet bill: $3,800 (physical exam, x-rays, surgery, prescription medication, overnight monitoring)
Annual deductible applied: $250 (first claim this policy year)
Eligible amount after deductible: $3,800 – $250 = $3,550
Dutch covers 90% after deductible:
$3,550 × 90% = $3,195 reimbursed
👉 You get $3,195 back. Your total out-of-pocket: $250 deductible + $355 coinsurance = $605.
ℹ️ The $250 deductible is annual—once you pay it, all future claims in the same year only incur the 10% coinsurance until you reach the $10,000 yearly limit.
Example 2: Broken Leg From Being Hit by a Car
Total vet bill: $5,500 (emergency surgery, anesthesia, hospital stay, pain meds)
Annual deductible already met (from earlier claim)
Eligible amount: $5,500
Dutch covers 90%:
$5,500 × 90% = $4,950 reimbursed
👉 You get $4,950 back. Your total out-of-pocket: $550 (10% coinsurance only).
ℹ️ Because you already paid the $250 deductible earlier in the year, you only pay 10% of future accident bills for the remainder of the policy year, up to $10,000 coverage.
Example 3: Emergency Treatment for Toxic Ingestion
Total vet bill: $1,200 (life-saving fluids, diagnostics, anti-poison medications, vet monitoring)
Annual deductible remaining: $0 (already paid on previous accident claim this year)
Eligible amount: $1,200
Dutch covers 90%:
$1,200 × 90% = $1,080 reimbursed
👉 You get $1,080 back. Your total out-of-pocket: $120.
ℹ️ Routine preventive care (like vaccines or check-ups) is not included in Dutch’s accident insurance—but all emergencies from accidents are covered until you reach your annual $10,000 limit.
Dutch Assistance
Dutch stands out by integrating unlimited virtual vet consultations and fast prescription delivery, which addresses both urgent and everyday pet health needs with notable convenience. The accident insurance provides up to $10,000 coverage per year, but only for accident-related care, with no reimbursement for illnesses or preventive care, potentially limiting its usefulness for broader veterinary expenses. Claims are processed via the Pets Best app or website with a reasonable $250 deductible and 10% coinsurance, and direct payment to the vet is possible if the clinic participates, which provides financial flexibility but is not universally available. Dutch does not offer an in-house mobile app or flexible payment installation options, and coverage ceases outside the US, which can be a disadvantage for traveling pet owners. The absence of a proprietary emergency hotline or 24/7 teletriage beyond standard virtual consults may also be a missed opportunity compared to certain US competitors.
| Assistance Dutch | Disponible ? | Détails |
|---|---|---|
| Advance payment | ✅ | Vet Direct Pay is available through Pets Best if the vet offers it. Claim is usually paid to you; not all vets support direct payment. |
| Payment facilities | ❌ | No mention of monthly installment or deferred payment beyond standard subscription. |
| Mobile application | ❌ | No Dutch mobile app for insurance management. Claims are submitted via the Pets Best website/app. No control on Dutch’s UX. |
| Digital claim management | ✅ | Claims can be submitted digitally via the Pets Best platform, with invoices and supporting documents. |
| Emergency veterinary services | ✅ | Unlimited virtual veterinary video/phone calls included. No separate 24/7 crisis line; only supports virtual consult hours. |
| Clinic & vet network | ❌ | No partner vet network—choose any licensed US vet for accident care. |
| Coverage outside the US | ❌ | Insurance only valid at US veterinary clinics; no coverage abroad or while traveling internationally. |
Customer feedback on Dutch
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.6 / 5 (1,658 reviews) |
We analyzed the reviews from the site listed above. On the positive side, pet owners who have subscribed to a Dutch plan for their pets mention most often:
- The ease of use and convenience: scheduling virtual appointments is described as quick and straightforward, particularly appreciated by owners with busy lifestyles or multiple pets.
- The affordability of the service: both vet consultations and medications are frequently regarded as reasonably priced, making care more accessible.
- The comfort and reduction of pet stress: many appreciate that their pets can be treated from home via video consultations, avoiding the anxiety caused by travel and in-person waiting rooms.
- The expertise and attentiveness of the veterinarians: vets are consistently described as knowledgeable, thorough, compassionate, and capable of delivering personalized care.
- The clarity of explanations and custom treatment plans: pet owners value the detailed attention, step-by-step instructions, and individual recommendations provided during consultations.
- The speed of service: fast access to appointments and quick prescription delivery are repeatedly highlighted.
- The active engagement of customer support: Dutch’s team responds quickly, including to negative feedback, and demonstrates genuine interest in resolving issues and improving service.
On the negative side:
- The insurance coverage is accident-only: illnesses, chronic conditions, and preventive care are excluded, which can frustrate owners seeking broader health protection for their pets.
- The annual deductible ($250) and 10% coinsurance may reduce the perceived value for small claims, as out-of-pocket expenses still apply before reimbursement.
- Some customers are surprised by coverage exclusions: pre-existing injuries, cruciate ligament issues, and all illnesses are explicitly not covered.
- There are occasional concerns regarding the review invitation process on Trustpilot, with some suspicion of possible bias or selective solicitation.
- The service is limited to virtual care and accident reimbursement: those prioritizing traditional in-person veterinary relationships or desiring illness coverage may find the offering insufficient for their needs.
How to contact Dutch?
| Dutch customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparator, choose the plan that suits you and click to get a quote. |
| To request and track a reimbursement | Submit your request via the Pets Best app or client portal, or by phone at 877-738-7237. You must submit the detailed veterinary bill, proof of payment, and medical history if requested. The claim must be sent within 180 days after treatment. Reimbursement is usually made directly to your bank account after a $250 annual deductible and 10% copay are applied. For any follow-up: [email protected] or 877-738-7237. |
| To get a certificate of insurance | Request it via the Pets Best client area, contact Pets Best Insurance Services by phone at 877-738-7237, or send an email to [email protected]. Specify your personal information and the insured pet's information. |
| To contact support | For assistance, consult the client area, write to [email protected] or call 877-738-7237 (Pets Best). For veterinary support, use teleconsultation in the Dutch app. |
| To cancel my contract | You can cancel at any time via the client area, by calling 877-738-7237, or in writing (email: [email protected] / mail: Pets Best Insurance Services, LLC, 965 Keller Road, Altamonte Springs, FL 32714). Include your personal information and contract number. No notice required, cancellation is immediate and you will be refunded pro rata for unused days. 30-day trial right: satisfied or refunded if no compensation has been paid. |
You must submit the detailed veterinary bill, proof of payment, and medical history if requested.
The claim must be sent within 180 days after treatment.
Reimbursement is usually made directly to your bank account after a $250 annual deductible and 10% copay are applied.
For any follow-up: [email protected] or 877-738-7237.
Specify your personal information and the insured pet's information.
For veterinary support, use teleconsultation in the Dutch app.
Include your personal information and contract number.
No notice required, cancellation is immediate and you will be refunded pro rata for unused days.
30-day trial right: satisfied or refunded if no compensation has been paid.
FAQ
Do I have to pay the vet bill upfront with Dutch?
With Dutch’s accident insurance (administered by Pets Best), you usually pay the vet bill upfront. Afterward, you submit your claim for reimbursement. However, if your veterinarian offers "Vet Direct Pay" with Pets Best, payment can go directly from insurer to vet—ask your clinic if they participate. Most commonly, you remain responsible for paying the vet yourself and then getting reimbursed.
How can I cancel my Dutch pet insurance contract?
You can cancel your Dutch insurance anytime by contacting customer service via your online account, phone, or email. There is no penalty for canceling, and you’ll receive a prorated refund for any unused coverage. Be sure to provide your policy information, and if you haven’t made a claim within 30 days, you may be eligible for a full refund.
What does Dutch pet insurance cover, and what is excluded?
Dutch insurance covers up to $10,000/year for emergency veterinary care due to accidents, such as injuries, poisonings, animal bites, or accidental ingestion. It does not cover pre-existing injuries, any illnesses or diseases, or cruciate ligament injuries. Preventive care, routine wellness, and behavioral visits are outside the insurance, but unlimited virtual vet consultations are included for advice and general support.
How much does Dutch pet insurance cost and who can enroll?
Dutch’s plan costs $9/month for dogs and $7/month for cats, covering up to five pets per family under the annual accident insurance. Enrollment is open to pet owners throughout the US for dogs and cats who are not used for commercial purposes. The insurance activates on the first day of the month following your subscription to the Protector plan.
How do I get reimbursed for an accident claim, and how much will I get back?
After you pay your vet and receive treatment for an accident, submit your invoice and records via the Pets Best app or website. Dutch’s partner insurance has a $250 annual deductible and 10% coinsurance, so you’ll be reimbursed for 90% of covered costs above the deductible, up to $10,000 per pet each year. Payment is made directly to you (unless the vet uses Vet Direct Pay).
Do I have to pay the vet bill upfront with Dutch?
With Dutch’s accident insurance (administered by Pets Best), you usually pay the vet bill upfront. Afterward, you submit your claim for reimbursement. However, if your veterinarian offers "Vet Direct Pay" with Pets Best, payment can go directly from insurer to vet—ask your clinic if they participate. Most commonly, you remain responsible for paying the vet yourself and then getting reimbursed.
How can I cancel my Dutch pet insurance contract?
You can cancel your Dutch insurance anytime by contacting customer service via your online account, phone, or email. There is no penalty for canceling, and you’ll receive a prorated refund for any unused coverage. Be sure to provide your policy information, and if you haven’t made a claim within 30 days, you may be eligible for a full refund.
What does Dutch pet insurance cover, and what is excluded?
Dutch insurance covers up to $10,000/year for emergency veterinary care due to accidents, such as injuries, poisonings, animal bites, or accidental ingestion. It does not cover pre-existing injuries, any illnesses or diseases, or cruciate ligament injuries. Preventive care, routine wellness, and behavioral visits are outside the insurance, but unlimited virtual vet consultations are included for advice and general support.
How much does Dutch pet insurance cost and who can enroll?
Dutch’s plan costs $9/month for dogs and $7/month for cats, covering up to five pets per family under the annual accident insurance. Enrollment is open to pet owners throughout the US for dogs and cats who are not used for commercial purposes. The insurance activates on the first day of the month following your subscription to the Protector plan.
How do I get reimbursed for an accident claim, and how much will I get back?
After you pay your vet and receive treatment for an accident, submit your invoice and records via the Pets Best app or website. Dutch’s partner insurance has a $250 annual deductible and 10% coinsurance, so you’ll be reimbursed for 90% of covered costs above the deductible, up to $10,000 per pet each year. Payment is made directly to you (unless the vet uses Vet Direct Pay).
