Is Pet Insurance Worth It?

Having pet insurance is a great idea if you don't want to pay large sums of money if your dog becomes sick or injured. But is having pet insurance worth it? How much does pet insurance cost? Before you purchase any of the pet health insurance plans, ask yourself the following questions: Do I have enough savings to pay upfront if my pet ends up needing emergency treatment? Does my state allow me to get reimbursed in case something happens to my pet when he's away from home? What is the coverage level of this provider (80% - 100%)? Is it a good deal compared to other providers? Does my pet have ongoing health issues that will require treatment in the future? levels, which means no reimbursement if my pet is sick? Ask yourself these questions to see if pet insurance is worth it. You can also explore the point of view of veterinarians. Talk to your vet, ask them about it! Veterinarians, pet parents, and of course us, always recommend getting pet insurance.

Is Pet Insurance Worth It?

Having pet insurance is a great idea if you don't want to pay large sums of money if your dog becomes sick or injured. But is having pet insurance worth it? How much does pet insurance cost? Before you purchase any of the pet health insurance plans, ask yourself the following questions: Do I have enough savings to pay upfront if my pet ends up needing emergency treatment? Does my state allow me to get reimbursed in case something happens to my pet when he's away from home? What is the coverage level of this provider (80% - 100%)? Is it a good deal compared to other providers? Does my pet have ongoing health issues that will require treatment in the future? levels, which means no reimbursement if my pet is sick? Ask yourself these questions to see if pet insurance is worth it. You can also explore the point of view of veterinarians. Talk to your vet, ask them about it! Veterinarians, pet parents, and of course us, always recommend getting pet insurance.

Pet Parents Love & Recommend Pet Insurance!

Out of 10

I love Healthy Paws

Insurer: Healthy Paws Pet Insurance Reviews

Posted: 05/10/2021

By:

STACI

AGAPIOU

I love Healthy Paws! After my elderly dog passed away a few years ago, I promised myself that I would get pet insurance for any future pets (I didn't have it for my dog & I regretted that). When I adopted my two cats at 12 weeks, I got quotes from every pet insurer I could find. I found Healthy Paws to be the best value--the coverage I was looking for at the best price backed by a name I trusted (Chubb companies). I have been really pleased with my decision ever since & especially this year when my 2-year-old boy cat developed urinary issues & then blockages. It was determined that he needed the PU surgery. It was such stress reliever knowing that the cost would be covered by my plan. And while my vet's office wouldn't accept direct pay from Healthy Paws, I knew that once I submitted my claim for reimbursement, I would have the money in my account within just a few days. Even with a couple of complications post-surgery, I never had to worry about a complicated or drawn-out claims process. In fact, my last claim was submitted on a Saturday & the money was in my account by Tuesday. Just amazing! And on top of that, they sent me an email asking how my cat was doing, which I appreciated so much. I'm really happy that I chose Healthy Paws & I cannot recommend them enough.

Out of 10

Trupanion Pet Insurance Saved My Sweet Dog’s Life

Insurer: Trupanion US Pet Insurance Reviews

Posted: 24/09/2021

By:

Beth

Maxwell

My sweet Ellie has been a healthy, full-of-life Boston Terrier for all of her nine years. Not too long ago she inhaled a blade of grass on one of our walks. Before her rhinoscopy, we didn’t know it was a foreign object causing her so much distress. I was desperate to find out what was causing her severe reverse and regular sneezing attacks as well as her deteriorating health.

I’m forever grateful that I have Trupanion Pet Insurance. This awesome company and customer support staff quickly responded with pre-approvals for Ellie’s CT scan and then a rhinoscopy to determine a treatment plan. We saw two specialty veterinarians for these two procedures. Both offices submitted the Trupanion claims for me, so I didn’t have to pay so much out of pocket. I’ve learned Trupanion quickly sends claim payments to the veterinarians.

Thankfully, Ellie is back to her bright-eyed, healthy self. Without Ellie’s Trupanion Pet Insurance and given my tight financial budget, I don’t know what I would have done to help her.

Trupanion does not cover exam fees, which would be helpful especially when seeing specialty veterinarians as their initial exam fees were much more expensive than my regular vet's fees. This is important to keep in mind when budgeting for your deductible and percentage payout.

Big picture – Trupanion Pet Insurance makes life better when you’re dealing with a cherished pet’s illness or medical emergency. Based on my experience in the area where I live, it appears that Trupanion has a good reputation with our local veterinarians too.

Out of 10

So Happy I Decided to go with Lemonade

Insurer: Lemonade Pet Insurance Reviews

Posted: 29/09/2021

By:

MIchelle

McKibbin

I am very happy I decided to go with Lemonade when I was looking for pet insurance. I have 3 other older dogs and never knew about pet insurance until I reached out to Lemonade for one of my work files. They we so great and helpful, I went to the site and saw they have pet insurance, I had been looking for a while for my new puppy. I used the online application, received an excellent quote right away. Once I decided they we doing to be my insurance. I downloaded the app, which makes it easy to review the policy I chose and there is always someone to communicate with if you have questions. I recently had to use the insurance for my puppy, who had an ear infection. I opened the app and started a claim, it walks you through step by step. All I had to do was take a picture on my phone and upload it. The only issue I had was not with Lemonade, but with my previous vet, who delayed getting my pups medical records to the agent in a timely manner. The agent went above and beyond and made sure he received the information he need, so I would not have to deal with it. Once he received the information from the vet it was under an hour before I had approval, and a complete explanation of the covered items and not covered items. The money was in my account the next day.

Pet Insurance Reviews: Find The Best Pet Insurance For You!

Do you have a pet? Do you worry about what would happen if they got sick or injured? What if they needed surgery and the bills started piling up?

Pet insurance is an investment in your furry friend's health. It will help protect your family from financial disaster if something happens to your beloved pet.

There is a never-ending list of pet insurance providers to choose from, so how do you know which one best suits your needs? Whether you want the best pet insurance for your cat or dog, we can help find it for you. Here at Pet Insurance Review you can compare all the top providers, read thousands of reviews to make an informed decision when considering pet insurance.

Take a look at the best pet insurance companies, so you can feel confident when shopping around for the best coverage.

What is Pet Insurance?

Pet insurance is basically the equivalent of human health insurance. It covers your pet’s veterinary bills in case of illness or injury. It can also cover things like pet wellness visits, pet dental cleanings, vaccinations and the cost of spay/neuter procedures. Pet insurance could save you thousands of dollars over your pet's lifetime. If your pet gets ill or injured, veterinarians will determine how much care is needed. Pet insurance will help you pay for this care, minus your deductible. At times, there are limits to what it covers and will vary depending on the plan and insurance provider you choose.

Getting the best pet insurance doesn't have to be expensive or complicated. With a little bit of research specially on pet insurance review, you can find the best coverage for your loved ones.

Before signing up with just any insurance company or plan, it’s important to know some important things beforehand: What is pet insurance? What does pet insurance cover? How does pet insurance work?

How Pet Insurance Review works

Read thousands of reviews from pet owners

Tell us about your pet

Select the level of cover you need

Choose the best pet insurance for your pet

For every completed sale of any pet insurance provider, we’ll donate a percentage of our revenues to no-kill animal shelters. Find out more.

What are the Best Pet Insurance Companies?

Every company offers different pet insurance plans, which is why it's important to compare pet insurance companies before choosing one. Don't just jump into a decision without researching pet health providers.Use resources like Pet Insurance Review to help compare several providers in your region based on consumer reviews to find the best pet insurance plan that fit your needs and budget.

It is important to know that all companies are not alike. Each one has different levels of coverage, limits on the amount they will pay, and deductibles. You can find thousands of reviews at Pet Insurance Review to help you decide.

Pet Insurance Articles

Latest Pet Insurance Reviews

Out of 10

Very supportive this time.

Insurer: 24PetWatch Pet Insurance Reviews

Posted: 27/01/2022

By:

Suzanne

Lincez

Chloe had to have emergency surgery and Pet 24 was there through the billing process and refund. Reminded me when documents were missing and stayed on top of things.

Out of 10

Responsive. Caring honest pet insurance

Insurer: Healthy Paws Pet Insurance Reviews

Posted: 27/01/2022

By:

Megan

Taylor

We have been with Healthy Paws for years and over this time they have been caring, quickly responsive to our claims and honest in fulfillment of claims. Well we hope our pets never get Sick, If they do it is great to know that we can have them cared for without major financial concerns.

Out of 10

Couldn't be happier

Insurer: Embrace Pet Insurance Reviews

Posted: 27/01/2022

By:

Cammie

Embrace has been absolutely wonderful. We have 4 pets (2 cats/2 dogs). Embrace has covered everything from pets UTI's to surgeries. Claims submission is easy and processed quickly. We highly recommend them!!!

Out of 10

Denies All Claims For All the Excuses

Insurer: Embrace Pet Insurance Reviews

Posted: 27/01/2022

By:

Joe

Everything looks good on paper and all the pretty ads and probably fake reviews and support that they get. I bought the most expensive insurance plan they had. Embrace Pet Insurance has denied 6 out of 7 of my claims to date. They claim "pre-existing" conditions for everything and find ways to link things together to make them all related. Obviously a pets body parts are all connected. Even after my Vet wrote to them a full statement saying that my pet did not have this pre-existing condition, they still denied my claims. This is the usual fraudulent insurance practice to deny as many claims as possible and keep collecting premiums. I recommend you take your business elsewhere unless you want to try to fight claims all the time. Their Director of Underwriting and Claims carries a bachelors in biology and was a claim adjuster for a year before taking on the role per her LinkedIn. Thats your professional claims leader. I can no longer claim my dogs issues now that he really has a pre-existing condition.

Good luck if you want to try them and take this risk.

Out of 10

Unfulfilled claims

Insurer: Healthy Paws Pet Insurance Reviews

Posted: 27/01/2022

By:

Rewa

Misra

Bad experience they did not process the claim despite my vet sending the relevant documents. Their system acknowledged receipt by email and then later they said they wanted more except everything had been shared. They don’t cover half the things allstate or lemon does.

Out of 10

Deborah and Christine in customer service for absolutely wonderful and amazing

Insurer: 24PetWatch Pet Insurance Reviews

Posted: 26/01/2022

By:

Clancy

Huckleberry

Both Deborah and Christine were extremely helpful in explaining all the pertinent parts of the contract to me in a very easy and understandable manner for someone who's not used to using pet insurance. I would recommend them highly even though I have not done a claim I just appreciate the way the customer service handled me as a new client

Frequently Asked Questions About Pet Insurance

The best policy is the one that is right for you. One dog or cat insurance plan may not be a good fit for you, while another would be perfect. This is why it’s so important to compare before committing to an insurance company. This way you can avoid any surprises later on.

Choosing the best plan isn't about finding the cheapest option. It’s all about finding the coverage that best meets your needs and budget; without sacrificing your pet's health by giving him the best possible veterinary care.

Some pet insurance policies are more expensive than others so it's important to do your research to see different pet insurance costs, before purchasing one for your furry family member. The most comprehensive plans cover everything from checkups to any and all significant illnesses.

Most pet insurance plans have extensive coverage, while some, only cover certain, specific things. It's important to find a pet insurance plan that works for you and your pet in the event of an unexpected emergency like an illness or injury.

In summary this is how it works:

1. Compare and find the best plan for you and your pet.

2. Once you’ve chosen your policy, you’ll be able to personalize your pet insurance plan by selecting your deductible and co-pay or reimbursement percentage options.

3. Pay the annual or monthly premiums and stay up to date with all the documents and vaccines for your cat or dog.

4. Should your pet become ill or injured, you can visit any licensed veterinarian for treatment.

5. Submit a claim to your insurance company and will be reimbursed for treatment covered by your policy.

6. Get reimbursed by your insurance provider up to 100% of the claim depending on the pet insurance plan you choose.

Read full article

Having pet insurance is a great idea if you don't want to pay large sums of money if your dog becomes sick or injured. But is having pet insurance worth it? How much does pet insurance cost?

Before you purchase any of the pet health insurance plans, ask yourself the following questions:

Do I have enough savings to pay upfront if my pet ends up needing emergency treatment?
Does my state allow me to get reimbursed in case something happens to my pet when he's away from home?
What is the coverage level of this provider (80% - 100%)?
Is it a good deal compared to other providers?
Does my pet have ongoing health issues that will require treatment in the future?
levels, which means no reimbursement if my pet is sick?

Ask yourself these questions to see if pet insurance is worth it. You can also explore the point of view of veterinarians. Talk to your vet, ask them about it!

Veterinarians, pet parents, and of course us, always recommend getting pet insurance.

Read full article

Pet insurance cost is based on your:

Pet's age (older pets are usually more expensive)
Pet's Breed (there are breeds that are prone to issues, due to hereditary diseases)
Location (if you live in a city where there is a high crime rate,
you will need to pay more than if you live in an area with low-crime or
in an affluent neighborhood).

An example is that a 10-year-old dog named Lola is spayed and is living in Houston, Texas. She is insured by Healthy Paws. The average monthly premium is $223.

The average cost of pet insurance varies from $15 to $200 per month. Dog insurance is a bit more expensive than cat insurance. But in general, the higher-priced plans have a higher deductible and will pay for more treatments before you pay anything out of pocket. The less expensive ones are not as comprehensive, and they are only meant to cover accidents.

We are an affiliate site that allows users to browse, compare and read reviews from the top pet insurance providers. We are in no way, a pet insurance provider, only an independent intermediary.

Pet Insurance Review is built on thousands of independent reviews from pet parents just like you. All of the ratings and reviews are completely unfiltered and 100% real, so you can be sure that your research and comparison will be accurate.

We work with the top insurance companies and we are licensed in all 52 states in the US and even in Canada. No matter where you are, we’ve got you covered.

Our Free personalized quote tool, finds and suggests plans that fit your needs at different budgets, once you like one, you connect directly to the providers official website to finalize the purchase.

We get a fee from the provider when we assist you in purchasing a policy for your pet.

The commission we get is the same no matter which plan or provider you choose, we are completely unbiased and independent from all providers.

You don't pay anything and the cost of the plan is unaffected, you can rest safe knowing you are getting the best price, for the best plan.

Finding the Best Pet Insurance Just Got Easier

For every Pet Insurance Policy Purchased

Pet Parents Love & Recommend Pet Insurance!

I love Healthy Paws

Trupanion Pet Insurance Saved My Sweet Dog’s Life

So Happy I Decided to go with Lemonade

Pet Insurance Reviews: Find The Best Pet Insurance For You!

What is Pet Insurance?

How Pet Insurance Review works

Read thousands of reviews from pet owners

Tell us about your pet

Select the level of cover you need

Choose the best pet insurance for your pet

For every completed sale of any pet insurance provider, we’ll donate a percentage of our revenues to no-kill animal shelters. Find out more.

What are the Best Pet Insurance Companies?

Trupanion US Pet Insurance Reviews

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Lemonade Pet Insurance Reviews

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Prudent Pet Pet Insurance Reviews

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Healthy Paws Pet Insurance Reviews

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Spot Pet Insurance Reviews

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Pumpkin Pet Insurance Reviews

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Embrace Pet Insurance Reviews

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Hartville Pet Insurance Reviews

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PetPartners Pet Insurance Reviews

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ASPCA Pet Health Insurance Reviews

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Pets Best Pet Insurance Reviews

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AKC Pet Insurance Reviews

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Figo Pet Insurance Reviews

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Eusoh Pet Insurance Reviews

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PetFirst Pet Insurance Reviews

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24PetWatch Pet Insurance Reviews

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Petsecure Pet Insurance Reviews

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Pet Insurance Articles

Latest Pet Insurance Reviews

Very supportive this time.

Responsive. Caring honest pet insurance

Couldn't be happier

Denies All Claims For All the Excuses

Unfulfilled claims

Deborah and Christine in customer service for absolutely wonderful and amazing

Frequently Asked Questions About Pet Insurance

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