Price Satisfaction
Discover whether pet owners feel they’re getting good value from their pet insurance plans. These reviews focus on pricing transparency, affordability, and overall satisfaction with plan costs.
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I would give it 0 stars if possible
I would give it 0 stars if possible. I did the 30 day trial, and I had multiple claims put in and they didn't cover a single damn thing. This insurance company is a waste of time and money. The only way you can possibly benefit from these insurance companies is if you put your pet under a policy right at birth other than that, you're screwed.
Insurer: Trupanion Canada
By: Adri S
There when you need them
I’ve been with trupanion for several years. This past month both my dogs had serious health issues with significant vet bills. Trupanion processed my multiple claims quickly (average of 24 hrs) and covered most of the expenses. I never had to worry about the estimates at the vet because I knew I was covered with Trupanion.
Insurer: Trupanion
By: Jennifer
Look elsewhere. Private equity owned now.
First off, my premium has skyrocketed in the last couple of years, now more than double what it was when we joined. Second, they are denying more claims as time goes on, similar to how human health insurance claims to cover you but finds a way not to. Third, I feel there is absolutely a premium increase based on your usage, and other users have pointed this out on Reddit (having two dogs, making claims for one and not the other and seeing a difference in their annual premium increases). I loathe that this company was bought by private equity; that was the beginning of true downfall. I wish I had chosen one that wasn’t, but I’m stuck with it now, as my pet has “pre existing conditions” in the eyes of any other insurance. Overall, getting policy coverage payouts is too hard, since they continually ask for more documentation to slow you and have you drop off during that process; it’s a known tactic. Why 3 stars? Bec at this point, they are still paying out most claims (with extra work) and the employees are lovely. But if I was someone buying a new policy, I’d look elsewhere.
Insurer: Pets Best
By: KT
too much work on my part and one claim…
too much work on my part and one claim and rate went up. seems vca and trupanion dont really work well together on billing then i saw my rate went from 130 a month to 160 after a pre authorization for surgery but "had nothing to do with my dog's surgery". i am thinking of ending my plan as i did it since vca recommended and frankly don't see the two working together well
Insurer: Trupanion
By: Pat
The ease of navigation
The ease of navigation, and I was so pleasantly surprised that I could get coverage for my dog. You made it so easy, & I'm very happy to have gotten it, and looking forward to many years! Thank you!
Insurer: Prudent Pet
By: chrlbialygmail.com
TruPanion is the best!
I feel so blessed to have TruPanion on my side when it comes to my dogs health. My fur-baby Mila just underwent a surgery for her joint (patella) and TruPanion covered so much of the bill that left me paying a much smaller portion. It only took a short time for them to inform me of my portion on any allowed expense. Thank you TruPanion for making our health visits so much easier!
Insurer: Trupanion
By: Barbara J.
I have accident and illness insurance…
I have accident and illness insurance on my two cats. I often wondered if i should keep this insurance. The answer is yes. My cat got sick and Spot Insurance was there to reimburse me.
Insurer: Spot
By: Cynthia
Deductible
I didn't realize there was an overall yearly deductible. We mainly bought this insurance in case our dachshund ever had back issues and needed care which can be VERY expensive. So, until something like that happens (which I hope it never does) we will probably not meet our yearly deductible.
I purchased this policy through my…
I purchased this policy through my work, for my 2 year old GSD. It sounded cheap at first with payroll deductions but when I added it up, its over $750.00 a year premium, that alot for a 2 year old. The policy became effective in Feb, 2026. In mid february my dog had some black urine that we saw vet about he was diagnosed with anaplasmosis, I didnt place a claim. In march my dog suddenly had trouble urinating where he was mistakenly dx with tick borne disease, then 2 days later was rushed to university vet hospital where he was diagnosed with prostatitis. Between the 2 visits vet bills were over $2000. I put in claims for both vet bills and upon checking status will be reimburses 57.50 for his nexgard. They claim this was a preexisting condition. I'm not sure how this can be considered a preexisting condition he was having no trouble until feb. I plan on calling to fight them for this, I plan on cancelling this policy after I fight them. I didnt get this before in my paperwork but just noticed it on the website explanation of benefits that he is not covered for cruciate or behavioral issues- this was not disclosed at the purchase of the policy. I'll file a complaint with my state insurance board. I would NOT recommend this insurance to anyone, way too pricey for apparently very limited coverage. Update: I noticed that my dog had a cruciate exclusion and he had NEVER had any problem with any of his legs! Sadly I had to put my 2 year old dog down earlier in the week, I blame nationwide partly for this, there were so many exclusions I couldn't have extensive testing done to find out what was causing him such severe pain. It seems Nationwide is NOT on your side.
Insurer: Nationwide
By: Jodi M
Not worth the headache
They want a year worth of medical records on your pet. The information they request for a little 800 dollar a year insurance policy is insane. My dog had more coverage without all this extra. It is insane to me that they require more information for your pet then a 100,000 life insurance policy or medical insurance ask for a human. I just don't think it's worth all the crazy emailing of a years worth of medical records. I can get her insurance cheaper and better cone to find out. Insurance that pays the vet directly without all this headache. I just thought it would be easier to have it come out of my paycheck, but really it's more of a headache with less coverage.
Insurer: Nationwide
By: Heather J