Walmart Pet Insurance Review [2025]

Owning a pet is one of life’s joys. From fun and feisty cats to loyal, friendly dogs and everything in between, animals bring companionship and happiness to a home.

Pets are like family, so you’ll want to take the best care of your animal. One of the easiest ways to do that is to get pet insurance. Pet insurance helps cover emergency veterinarian care for your animal, as well as other vital health services.

There are a lot of companies out there that offer pet insurance. One of the newest options is Walmart pet insurance. Announced at the end of 2020, Walmart promises affordable insurance for pet owners across the country.

If you want to buy Walmart pet insurance, you should first compare prices with other companies to get the best price possible. Enter your ZIP code into our free tool to see what quotes might look like for you.

What You Should Know About Walmart Pet Insurance

Walmart announced in November 2020 that it was entering the pet insurance business. This insurance plan covers cats and dogs and is being released alongside online pet pharmacy services and other pet services.

Walmart’s policies will be written and managed by Petplan. Petplan is a well-established pet insurance company that allows you to visit any vet you want.

While Walmart is offering a discount of ten percent on a pet insurance policy, the company has more than the care of your pet on its mind. The pet insurance industry will grow by $11 billion by 2026, and Walmart wants in.

Customers will enjoy the convenience of buying pet insurance where they buy everything else.

How does Walmart pet insurance work?

Walmart pet insurance offers coverage similar to other providers. This plan covers accidental injuries and illnesses, and you’ll be able to choose any vet you want. After an approved-health service, your Walmart insurance will reimburse you.

Pet coverage doesn’t work quite the same as human health insurance. When you take your animal to the vet, you’ll have to pay for any services your pet receives. After the service is complete, you submit a claim to your provider.

Depending on your plan, the provider will reimburse you a certain amount of what you paid. The amount you’re reimbursed will be pre-selected in your plan but usually ranges between 50 and 90 percent of the bill. You may be able to set up a plan with your vet to delay payment of your bill until you get reimbursed by your insurance, but most doctors require immediate payment.

Read more: How do you become a pet insurance agent?

What does Walmart pet insurance cover?

Walmart’s pet insurance is relatively standard, but some exciting perks are available.

The basic services Walmart pet insurance covers include:

• Complete sick care. This covers everything in the appointment when your pet is ill, including the exam fee.
• Holistic care. Pet insurance doesn’t usually cover holistic care, but your pet can get acupuncture, chiropractic care, and other homeopathic treatments through Walmart.
• Chronic and hereditary conditions. Coverage for these conditions usually requires you to purchase a wellness add-on, but Walmart includes it in its insurance.
• Boarding fees. If you are hospitalized and unable to care for your pet, you can be reimbursed up to $1,000 in boarding fees.
• Comprehensive dental coverage. Walmart includes all your pet’s teeth instead of the most at-risk ones, as well as regular dental cleanings.
• Pet telehealth visits. You’re covered for up to $1,000 in online visits with your pet’s veterinarian.

Walmart pet insurance reviews rave about the extended coverage included in the basic plan. As another perk, your insurance will also provide reward money if your pet is lost.

Walmart Pet Insurance Rates Breakdown

Like many pet insurance plans, Walmart has a few customization options for your plan. First, you can choose how much Walmart will pay per year, either $5,000, $15,000, or unlimited. You can also choose your annual deductible. The deductible comes in amounts of $250, $300, or $500.

Finally, you decide how much Walmart will reimburse you for your vet visits. Currently, Walmart offers increments of 70, 80, or 90 percent. Customers expect affordable Walmart pet insurance, and they won’t be disappointed. Consider the following prices for a plan that will reimburse you 70 percent of your bill.

These prices reflect a ten percent discount on Petplan insurance. No matter the animal, Walmart promises affordable prices for your pet’s needs.

What’s included in the price of Walmart pet insurance?

Walmart pet insurance rates include most vet services for emergency care. However, you should keep in mind that it does not cover routine care, cosmetic services, and pre-existing conditions.

Even the best pet insurance plans require wellness add-ons to get preventative care covered, and Walmart is no different.

Walmart insurance covers the following services:

• Exam fees
• Accidental injuries
• Illnesses
• Televet visits ($1,000)
• Hereditary or chronic conditions
• Tests
• Cancer treatment
• Behavioral therapy ($1,000)
• Dental injuries or diseases
• Surgery
• Prescription medication
• Rehabilitation
• Specialist treatment
• Imaging with x-rays, MRIs, CAT scans, or ultrasounds
• Lost pet rewards ($1,000)
• Boarding fees ($1,000)

While many pet insurance companies offer a wellness add-on that you can purchase, Walmart currently doesn’t offer anything that will cover preventative care. However, you can buy a wellness plan from another company to complement your plan.

How fast does Walmart pet insurance reimburse you?

As the provider of Walmart pet insurance, Petplan says that they’ll reimburse your claim within 30 days. 30 days is fairly standard within the pet insurance industry, and you can definitely find faster companies.

To be reimbursed, you need to meet specific requirements concerning your pet’s health. If you don’t take your pet in for regular health and dental checkups, you risk having your insurance claim denied.

Should you buy pet insurance?

Pet care can get expensive, but pet insurance helps offset the cost. Many things can happen to your beloved pet: broken bones, unforeseen illnesses, cancer, and eye problems, just to name a few. Most vet visits cost a few hundred dollars, but health services can easily stretch into the thousands.

Pet insurance guarantees that you’ll be able to take care of your pet by getting them the healthcare they need. Having a pet insurance policy in place can mean the difference between bringing your pet back home safe and healthy and a family tragedy.

Find the Right Insurance for Your Pet

Introducing a pet into your home comes with a lot of fun and joy, but also responsibility. Your pet will look to you to take care of it, and pet insurance can help you accomplish that. Walmart pet insurance is an affordable option among a lot of companies.

If you want to see if Walmart pet insurance quotes are affordable for you, you should consider other companies to get the best rate possible. Enter your ZIP code into our free tool today to see what quotes might look like for you.