Walmart Pet Insurance Review 2025: Is It Worth It?
Our expert's opinion on Walmart
Walmart Pet Insurance offers a straightforward, single Basic plan for accident and illness cover administered by Fetch Insurance Services, LLC, aimed at providing core veterinary protection for companion dogs and cats.
The Basic plan includes emergency care, consultations, surgery, imaging, lab tests, radiotherapy, specialist consultations, boarding fees and loss/theft, with waiting periods of 5 days for accidents and 15 days for illness; reimbursement rate: NC, annual limit: NC, deductibles: NC, wellness budgets: NC. Compared with well-known competitors, Walmart focuses on a single, lower-complexity product with competitive pricing for common breeds and younger pets but fewer routine and wellness options than multi-tier insurers.
Best suited for owners of young to middle-aged common-breed pets seeking core accident-and-illness protection on a budget rather than comprehensive preventive or lifetime wellness plans.
The policy is administered by Fetch Insurance Services, LLC; claims can be submitted electronically, appeals require written submission within 90 days, and the provider average rating stands at 3.5, with customer support contact available at 1-866-467-3875.
- ✅Accident and illness core coverage including surgery and imaging
- ✅Emergency care and specialist consultations included
- ✅Boarding fees and loss/theft covered
- ✅Alternative medicine covered if performed by licensed veterinarian
- ✅Enrollment available from six weeks of age
- ✅Simple single-plan choice, easier enrollment decisions
- ✅Electronic claims submission process
- ❌Reimbursement rate, annual limit, deductibles not disclosed (NC)
- ❌No preventive care, vaccinations, or dental cleaning coverage
- ❌Specific orthopedic conditions subject to long waiting/exclusions
- ❌Steep price increases for older dogs in sample pricing
- ❌No published Trustpilot or Google pet-insurance reviews
Score- ✅Accident and illness core coverage including surgery and imaging
- ✅Emergency care and specialist consultations included
- ✅Boarding fees and loss/theft covered
- ✅Alternative medicine covered if performed by licensed veterinarian
- ✅Enrollment available from six weeks of age
- ✅Simple single-plan choice, easier enrollment decisions
- ✅Electronic claims submission process
Our expert's opinion on Walmart
- ✅Accident and illness core coverage including surgery and imaging
- ✅Emergency care and specialist consultations included
- ✅Boarding fees and loss/theft covered
- ✅Alternative medicine covered if performed by licensed veterinarian
- ✅Enrollment available from six weeks of age
- ✅Simple single-plan choice, easier enrollment decisions
- ✅Electronic claims submission process
- ❌Reimbursement rate, annual limit, deductibles not disclosed (NC)
- ❌No preventive care, vaccinations, or dental cleaning coverage
- ❌Specific orthopedic conditions subject to long waiting/exclusions
- ❌Steep price increases for older dogs in sample pricing
- ❌No published Trustpilot or Google pet-insurance reviews
Score- ✅Accident and illness core coverage including surgery and imaging
- ✅Emergency care and specialist consultations included
- ✅Boarding fees and loss/theft covered
- ✅Alternative medicine covered if performed by licensed veterinarian
- ✅Enrollment available from six weeks of age
- ✅Simple single-plan choice, easier enrollment decisions
- ✅Electronic claims submission process
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.
Walmart Guarantees
Walmart offers a single Basic plan positioned as entry‑level accident and illness coverage, administered by Fetch Insurance Services, LLC, designed to cover emergency care, consultations, surgery, imaging, and laboratory testing. Coverage emphasizes acute and specialist treatments with boarding fees and loss/theft protection included as situational benefits, while routine preventive services and dental cleanings are expressly excluded. Waiting periods are short for accidents (5 days) and modest for illnesses (15 days), with specific longer or conditional waiting rules for certain joint and spinal conditions; financial terms such as reimbursement structure and annual limits are determined within the policy configuration. Strengths include emergency and specialist coverage plus some non-medical support (boarding if owner hospitalized); weaknesses are the lack of preventive and dental coverage, limitations on cremation, and a number of categorical exclusions for routine, cosmetic, and owner‑related incidents.
| Basic | |
|---|---|
| Plan positioning | Entry-level basic plan |
| Type of coverage (accident, illness, both, etc.) | Accident & Illness |
| Animals covered (dogs, cats, other) | Dogs and cats |
| Reimbursement rate | N.C. |
| Annual reimbursement limit | N.C. |
| Deductible (annual or per claim) | N.C. |
| Age limits for enrollment | Dogs: 6 weeks / Cat: 6 weeks (maximum age: N.C.) |
| Pre-enrollment health questionnaire | N.C. |
| Waiting periods (accident and illness) | Accident: 5 days Illness: 15 days |
| Lifetime coverage | N.C. |
| Consultations | Yes |
| Medications | N.C. |
| Hospitalization | N.C. |
| Surgery | Yes |
| Diagnostic tests | Imaging: Yes Lab tests: Yes |
| Dental care | Dental cleaning: No |
| Preventive care | Vaccinations: No Parasite treatment: No |
| Alternative medicine | Yes (if administered by a licensed veterinarian) |
| Travel coverage | N.C. |
| Civil liability | N.C. |
| Euthanasia | N.C. |
| Death & cremation coverage | Death: Yes (with limitations) Cremation: No |
| Theft or loss + search expenses | Yes |
| Boarding fees | Yes (conditions apply) |
Illness: 15 days
Lab tests: Yes
Parasite treatment: No
Cremation: No
Walmart’s exclusions focus on pre‑existing conditions and routine or elective services: any condition showing clinical signs before the policy start or during waiting periods is excluded, with specific provisions for knee and spinal conditions (a six‑month condition for cruciate ligament events and restrictions on related bilateral conditions).
Routine preventive care, vaccinations, parasite prevention, dental prophylaxis, and elective cosmetic procedures (spaying/neutering, tail docking, ear cropping, declawing) are not covered, and food, grooming, and non‑veterinary supplies are excluded. Other key limitations include exclusions for injuries resulting from intentional acts or organized fighting, exclusions tied to owner negligence, and restricted post‑life services (cremation not covered), which together narrow the scope for long‑term, preventive, and certain lifestyle‑related expenditures.
Walmart Exclusions
Walmart’s pet insurance exclusions concentrate on predictable risk and cost‑containment categories: pre‑existing conditions, specified orthopedic and spinal rules, and routine or non‑medical expenses that insurers commonly exclude.
Notable differences include explicit limits on euthanasia and post‑life services (cremation and post‑mortem exams are excluded unless euthanasia is clinically justified), and a specific exclusion tied to large‑scale events such as war or Avian Influenza that can affect claims related to those causes.
Orthopedic rules are strict — a six‑month waiting period applies to knee conditions with bilateral exclusions and intervertebral disc disease exclusions when neighboring discs were previously affected — and behavioral or pre‑existing dental conditions are also carved out.
Non‑medical costs, grooming, food and supplements, and treatments performed outside licensed veterinary care are excluded, and there are caps on repeated procedures such as multiple anesthetic removals of foreign bodies within a single policy period.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions: any condition with signs before policy effective date or during waiting period.Specific condition rules: 6‑month waiting period for cruciate/soft tissue knee disorders; opposite knee exclusion period applies; intervertebral disc disease excluded if neighboring discs previously affected.Pre‑existing dental disease and behavioral disorders excluded.Limit on multiple anesthetic removals of ingested foreign bodies within a policy period. |
| Therapeutic & diet exclusions | Non‑veterinarian therapies excluded (holistic, homeopathic, acupuncture, chiropractic, physical therapy, laser) unless performed by a licensed veterinarian.Prescription and non‑prescription food, vitamins, and supplements are excluded. |
| Breeding & cosmetic exclusions | Costs related to breeding, pregnancy, whelping, or nursing.Elective cosmetic procedures (tail docking, ear cropping, declawing, elective spaying/neutering) excluded. |
| Owner‑related & conduct exclusions | Intentional injury, abuse, gross neglect, or failure to follow veterinary recommendations excluded.Treatment performed by the pet owner is not covered. |
| Age & activity exclusions | Pets under six weeks old excluded.Injuries or expenses from racing, commercial guarding, organized fighting, or similar activities excluded. |
| Post‑life & funeral exclusions | Post‑mortem exams and cremation excluded.Euthanasia excluded unless it is clinically recommended by a veterinarian (limitations apply). |
| Non‑medical fees & supplies | Grooming, shampoos, toys, leashes, bedding excluded.Administrative and non‑veterinary fees (house call fees, medical waste, postage, taxes) excluded. |
| External events & catastrophic exclusions | Costs arising from events such as war or Avian Influenza are excluded. |
Walmart Prices
Walmart’s pet insurance is positioned as an entry-level offering, centered on a single "Basic" plan that targets owners seeking straightforward accident and illness coverage without a large set of tiered options. The product design emphasizes essential medical protections—emergency care, imaging, surgery, specialist consultations and selected ancillary benefits—while keeping the plan structure simple and accessible for a broad audience.
Reimbursement rates, deductible levels, and annual coverage limits are the core levers that determine how competitive a pet insurance product is: higher reimbursement percentages and lower deductibles increase out-of-pocket predictability but generally raise premiums, while lower reimbursement or higher deductibles reduce premiums but shift more cost to the owner at claim time. Walmart’s Basic plan appears to compete on price and simplicity, and its inclusion of services such as boarding-fee reimbursement, specialist consultations, and loss/theft cover can increase perceived value. Operational efficiencies such as online claims submission and digital administration also help control costs and support a lower-price positioning.
Compared with more traditional multi-tier insurers, Walmart’s single-plan approach keeps choice limited but may suit owners who prioritize value and uncomplicated coverage over extensive customization or premium features; traditional players that offer multiple tiers or add-on endorsements typically trade higher flexibility for higher premium ranges.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Basic |
|---|---|
| Dog Labrador 1 year | $62.77 |
| Dog Labrador 3 years | $81.34 |
| Dog Labrador 7 years | $194.07 |
| Dog Australian Shepherd 1 year | $98.90 |
| Dog Australian Shepherd 3 years | $118.69 |
| Dog Australian Shepherd 7 years | $281.60 |
| Dog French Bulldog 1 year | $129.93 |
| Dog French Bulldog 3 years | $159.75 |
| Dog French Bulldog 7 years | $373.11 |
| Cat European Shorthair 1 year | $47.80 |
| Cat European Shorthair 3 years | $54.87 |
| Cat European Shorthair 7 years | $82.29 |
| Cat Maine Coon 1 year | $55.91 |
| Cat Maine Coon 3 years | $64.32 |
| Cat Maine Coon 7 years | $96.95 |
| Cat British Shorthair 1 year | $47.80 |
| Cat British Shorthair 3 years | $54.87 |
| Cat British Shorthair 7 years | $82.29 |
Walmart Promo Codes
| Walmart 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 Walmart?
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $150 (consultation $90 + topical meds $60)
Deductible amount to subtract: N.C.
Amount reimbursable after deductible with the Basic plan: $150 − N.C. = N.C.
Reimbursed amount at plan rate: N.C.
Remaining out-of-pocket cost: N.C.
👉 You receive N.C.
ℹ️ The deductible applies per policy year; submit an itemized invoice within the claimed submission period to start reimbursement processing.
✅ Example 2: Cruciate ligament surgery (TPLO)
Total vet costs: $6,500 (surgery, anesthesia, imaging, post‑op meds, hospitalization)
Deductible amount to subtract: N.C.
Amount reimbursable after deductible with the Basic plan: $6,500 − N.C. = N.C.
Reimbursed amount at plan rate: N.C.
Remaining out-of-pocket cost: N.C.
👉 You receive N.C.
ℹ️ Knee/ligament conditions may have specific waiting periods or exclusions; verify whether bilateral exclusions or extended waiting periods apply to orthopedics.
✅ Example 3: Emergency hospitalization for gastrointestinal obstruction (endoscopic removal)
Total vet costs: $2,800 (ER exam $350 + imaging $600 + procedure $1,500 + meds/boarding $350)
Deductible amount to subtract: N.C.
Amount reimbursable after deductible with the Basic plan: $2,800 − N.C. = N.C.
Reimbursed amount at plan rate: N.C.
Remaining out-of-pocket cost: N.C.
👉 You receive N.C.
ℹ️ Annual coverage cap and reimbursement percentage determine remaining liability; confirm your plan’s deductible, reimbursement rate, and annual limit when enrolling.
Walmart Assistance
| Assistance Walmart | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | N.C. |
| Paperless claims process | ✅ | Electronic claims submission available. Claims can be submitted online; appeals must be submitted in writing within 90 days. |
| Emergency vet service | ❌ | No dedicated 24/7 emergency veterinary hotline or teleconsultation indicated. |
| Vet/clinic partner network | ❌ | N.C. |
| Coverage abroad | ❌ | N.C. |
Claims can be submitted online; appeals must be submitted in writing within 90 days.
Customer Reviews on Walmart
No platform-verified customer reviews for Walmart pet insurance were found on major public review sites, so there are no consistently reported positive aspects to summarize from Trustpilot or Google Reviews for this product. Consequently, it is not possible to identify commonly praised features such as claim speed, ease of enrollment, or customer support based on platform feedback.
Likewise, there are no platform-specific complaints or recurring concerns that can be reliably attributed to Walmart pet insurance; without verified customer reviews it is not feasible to highlight patterns of dissatisfaction such as claim denials, billing issues, or communication problems.
Contact Walmart
| Walmart 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 channels and the step‑by‑step purchase flow: N.C. |
| To request and track a reimbursement | Submit claims electronically through the online claims submission process. Required supporting documentation (veterinary invoices, medical records, itemized receipts) and any upload instructions: N.C. Deadlines for submitting a claim and expected processing times: N.C. Reimbursement method (direct deposit, check, or other) and notification procedure: N.C. |
| To obtain a certificate of insurance | Procedure to request a certificate of insurance: N.C. Available channels to request it (email, portal, phone, postal mail): N.C. Information required to issue the certificate (policy number, insured name, pet details, effective dates): N.C. |
| To contact assistance | Phone (general inquiries): 1-866-467-3875. Claims submission: online claims submission process via the customer portal. Appeals and written requests: appeals must be submitted in writing within 90 days of a claim denial. Email address for customer service: N.C. Postal mailing address for correspondence: N.C. Customer portal URL or login details: N.C. |
| To cancel my policy | Cancellation process and how to submit a cancellation request: N.C. Information to provide when cancelling (policy number, policyholder details, effective cancellation date): N.C. Deadlines, notice periods, and refund conditions or pro rata refund policy: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Walmart?
Walmart's pet insurance generally requires you to pay the veterinary bill at the time of service.
After treatment you submit a claim electronically through the online claims submission process.
Reimbursement timing and payment methods are N.C. and will be specified on your policy or claim response.
If your veterinarian has a direct‑billing agreement this may change; direct‑pay availability is N.C.
How do I cancel my pet insurance policy with Walmart?
To cancel, contact Walmart customer service at 1-866-467-3875 and request policy cancellation.
You should provide the policyholder name and policy number; any specific supporting documents are N.C.
The effective cancellation date and refund or prorated premium details are N.C. and depend on your policy terms.
Ask for written confirmation of the cancellation and retain a copy for your records.
What are the waiting periods for accidents and illnesses?
Accident coverage begins after a 5‑day waiting period and illness coverage after 15 days.
A 6‑month waiting period applies to knee conditions (cruciate ligaments, patellas) and may have additional related exclusions.
If one knee is pre‑existing the opposite knee may be excluded for 12 months.
Any other specific waiting periods or waivers are N.C. and should be checked on your policy.
What documentation do I need to request reimbursement and how can I track my claim?
Claims are submitted electronically through the online claims submission process.
Typical documents include veterinary invoices, itemized receipts, and medical records; exact required items are N.C.
Claim tracking is available via the insurer’s online claims portal or by contacting customer service; portal details are N.C.
If a claim is denied you may submit an appeal in writing within 90 days of the denial.
What is covered and what is excluded from Walmart pet insurance?
The Basic plan covers accident & illness items such as emergency care, consultations, surgery, imaging, lab tests, radiotherapy, specialist consultations and boarding fees.
Preventive and routine care (vaccinations, parasite prevention, dental cleaning), elective procedures, and neutering are excluded.
Pre‑existing conditions and certain orthopedic or dental conditions are excluded or subject to extended waiting periods.
Non‑veterinarian therapies are excluded unless performed by a licensed veterinarian, and exclusions apply for major events (e.g., war, avian influenza).
How are reimbursements calculated — what are reimbursement rates and annual limits?
Reimbursement rates and annual limits for Walmart’s Basic plan are N.C. and depend on your individual policy selections.
Typically reimbursement is applied after any deductible and according to the selected reimbursement percentage; exact deductible mechanics are N.C.
To confirm your specific reimbursement percentage, deductible and annual limit refer to your policy declarations or contact customer service.
For assistance call 1-866-467-3875 to get details tied to your policy.
Do I have to pay upfront for veterinary fees with Walmart?
Walmart's pet insurance generally requires you to pay the veterinary bill at the time of service.
After treatment you submit a claim electronically through the online claims submission process.
Reimbursement timing and payment methods are N.C. and will be specified on your policy or claim response.
If your veterinarian has a direct‑billing agreement this may change; direct‑pay availability is N.C.
How do I cancel my pet insurance policy with Walmart?
To cancel, contact Walmart customer service at 1-866-467-3875 and request policy cancellation.
You should provide the policyholder name and policy number; any specific supporting documents are N.C.
The effective cancellation date and refund or prorated premium details are N.C. and depend on your policy terms.
Ask for written confirmation of the cancellation and retain a copy for your records.
What are the waiting periods for accidents and illnesses?
Accident coverage begins after a 5‑day waiting period and illness coverage after 15 days.
A 6‑month waiting period applies to knee conditions (cruciate ligaments, patellas) and may have additional related exclusions.
If one knee is pre‑existing the opposite knee may be excluded for 12 months.
Any other specific waiting periods or waivers are N.C. and should be checked on your policy.
What documentation do I need to request reimbursement and how can I track my claim?
Claims are submitted electronically through the online claims submission process.
Typical documents include veterinary invoices, itemized receipts, and medical records; exact required items are N.C.
Claim tracking is available via the insurer’s online claims portal or by contacting customer service; portal details are N.C.
If a claim is denied you may submit an appeal in writing within 90 days of the denial.
What is covered and what is excluded from Walmart pet insurance?
The Basic plan covers accident & illness items such as emergency care, consultations, surgery, imaging, lab tests, radiotherapy, specialist consultations and boarding fees.
Preventive and routine care (vaccinations, parasite prevention, dental cleaning), elective procedures, and neutering are excluded.
Pre‑existing conditions and certain orthopedic or dental conditions are excluded or subject to extended waiting periods.
Non‑veterinarian therapies are excluded unless performed by a licensed veterinarian, and exclusions apply for major events (e.g., war, avian influenza).
How are reimbursements calculated — what are reimbursement rates and annual limits?
Reimbursement rates and annual limits for Walmart’s Basic plan are N.C. and depend on your individual policy selections.
Typically reimbursement is applied after any deductible and according to the selected reimbursement percentage; exact deductible mechanics are N.C.
To confirm your specific reimbursement percentage, deductible and annual limit refer to your policy declarations or contact customer service.
For assistance call 1-866-467-3875 to get details tied to your policy.
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