Pros
- Offers third-party liability insurance, a unique feature among pet insurers.
- Its comprehensive policy covers dental disease as a result of infection. Most insurers don't automatically cover this, despite how common it is.
- It's good if you're switching from another insurer. Pets On Me appears to be the only insurer we could find that will allow you to waive waiting periods if you've held a similar policy with another insurer for 1 year or more.
Cons
- Its top policy comes with a $20,000 annual claim limit. That's likely more than enough for most but a small handful of insurers such as Pets On Me and Knose offer more.
- Like other pet insurers, it won't cover your pet for any pre-existing conditions they have when you take out a policy.

Your review of Pets On Me was helpful, however they do not participate in the GAP Only program at Vets, which means you only pay the gap at each consolation. Why is this and when will they get involved like dozens of other insurers?
Hi there, glad to hear you found our review helpful! It’s hard to say when Pets On Me will begin participating in the Gap Only program as it is up to the insurer. I understand this is a very handy feature to have when visiting the vet. If you are interested in signing up to an insurer who offers Gap Only coverage, you can check out our Gap Only guide that a list of participating insurers. I hope this helps!
Ceyda