Pet Insurance Providers

Pet Insurance Review Pet Insurance Review

Pet Insurance Review can help you compare policies from a growing range of pet insurance providers across the United States and Canada.

We’ve compiled the most useful information for each insurer on levels of coverage, reimbursement options, exclusions and deductibles, so you can compare the value of different pet insurance plans and be better informed when it comes to choosing the best pet insurance for you and your pet. You can also read the reviews of thousands of other pet parents for each insurer by clicking their “view insurer” button below. Click the gold “get a quote” buttons to get a quote direct from a particular insurer or use our quote form to get quotes from several leading insurers.

Trupanion
4.9

out of 5

Number of reviews 52144

Verified Reviews 18345

Pets can be full of surprises—so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping the pets we love get the care they need. They pride themselves on the amount they pay out to pet owners, paying out more on the dollar than any other pet insurance provider. To date they have paid out nearly $2 Billion in claims. The Trupanion policy was designed by veterinarians to protect pets and their owners by taking the cost out of the care equation. If your pet gets sick or hurt, the last thing you want to worry about is affording the treatment they need, you only need to worry about getting them better. That’s why Trupanion is the only provider who can review, approve, and pay your claim direct to your veterinarian, within seconds, at the time of checkout.* No more juggling credit cards and no more waiting for reimbursement. Your pet gets treated, you pay your portion, and go. Trupanion takes care of the rest. 98.7% of Trupanion members stay enrolled every month. 1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. * Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Trupanion Canada
4.8

out of 5

Number of reviews 24437

Verified Reviews 6541

Trupanion insured pets lead longer, happier lives*. The Trupanion policy provides best-in-class medical insurance coverage for your pet that can be used at any veterinary hospital in the United States, Canada, and Puerto Rico – ensuring your pet is protected wherever you may be. They pride themselves on the amount they pay out to pet owners, paying out more on the dollar than any other pet insurance provider. To date they have paid out on over $1.5 Billion in claims. Trupanion can also pay your veterinarian directly, within seconds, at the time of checkout. This means no more having to fill out extensive claims paperwork or waiting to be reimbursed. If you submit your claim the old fashion way, Trupanion processes the majority of claims within two days, and many in minutes. The Trupanion policy has unlimited payouts on claims and do not increase your monthly premium for filing claims. While some providers may drop coverage when a certain number of claims are filed, Trupanion never will. The Trupanion policy does not increase rates just because your pet ages and their policy allows you to enroll your pet from birth for true lifelong coverage for your pet. *Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. Trupanion is a registered trademark owned by Trupanion, Inc.  Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company.  
Embrace
4.7

out of 5

Number of reviews 10230

Verified Reviews 3

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace's plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
Healthy Paws
4.9

out of 5

Number of reviews 7070

Verified Reviews 22

Healthy Paws Pet Insurance offers one simple plan that covers accidents and illnesses and includes unlimited annual and lifetime payouts. They support hundreds of pet rescues and animal shelters through their Every Quote Gives Hope™ medical grant program. Learn more about Healthy Paws' plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
ASPCA
4.7

out of 5

Number of reviews 5616

Verified Reviews 4

ASPCA Pet Health Insurance® is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Learn more about ASPCA's plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
AKC
4.5

out of 5

Number of reviews 879

Verified Reviews 36

AKC Pet Insurance, administered by PetPartners, Inc., provides comprehensive, affordable pet insurance across all 50 states, and has served as the exclusive pet insurance provider for the American Kennel Club since 2003. Learn more about AKC's pet insurance plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
Lemonade
4.9

out of 5

Number of reviews 638

Verified Reviews 339

Lemonade is a new kind of pet insurance company that uses artificial intelligence and behavioral economics to replace brokers and bureaucracy with bots and machine learning.  They aim for zero paperwork and instant everything, and are obsessed with social good, delighting customers, and pets.
Figo
4.4

out of 5

Number of reviews 582

Verified Reviews 0

  Figo offers customizable coverage built for millennial pet parents. Pick from one of their three comprehensive plans, then add powerups like Wellness, Veterinary Exam Fee Coverage, or the Extra Care Pack. They’re the only pet insurance company to offer up to 100% reimbursement, so big vet bills won’t break the bank. Figo customers have exclusive access to the Figo Pet Cloud app, including features like a 24/7 Virtual Vet and easy mobile claim filing. No pet insurance company covers pre-existing conditions, but Figo is the only one who will help you identify those conditions at the start of your policy. If you don’t think you’ll get value out of pet insurance after your initial review, just cancel within 30 days of signing up to get your money back.
Pets Plus Us
4.1

out of 5

Number of reviews 500

Verified Reviews 9

Pets Plus Us is a leading Canadian pet insurer whose goal is to help pet owners deal with all the joys and challenges of pet ownership. As well as making vet bills more manageable, Pet Plus Us provides its Blue Ribbon Benefits free with any coverage plan. Learn more about Pets Plus Us plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
Hartville
4.7

out of 5

Number of reviews 155

Verified Reviews 0

Hartville Pet Health Insurance is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Learn more about Hartville's plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
Spot
4.8

out of 5

Number of reviews 143

Verified Reviews 0

Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage.  This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it's important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash. With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.
Prudent Pet
4.8

out of 5

Number of reviews 124

Verified Reviews 0

It’s never fun to think about your pet facing a health scare. But Prudent Pet is here to give you peace of mind so you’ll be ready when something happens. They want you to be able to focus on the cuddles and snuggles, the tricks and treats, and the walks in the park. They’ll take care of the rest! They offer a choice between an Accident only plan and a full coverage plan covering Accidents and Illness. All of the policy details below are applicable to both types of plan, unless stated otherwise. Learn more about Prudent Pet's plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
Fetch
4.7

out of 5

Number of reviews 119

Verified Reviews 111

Fetch offers the most comprehensive pet insurance and health advice for dogs and cats, and is the only provider recommended by the #1 animal brand in the world, The Dodo. Fetch is trusted by the top no-kill shelters in the U.S. and Canada, and is the exclusive pet insurance provider for AARP members.
PetPartners
4.7

out of 5

Number of reviews 98

Verified Reviews 0

As one of the first pet insurance providers in the U.S., PetPartners has offered affordable, comprehensive coverage across all 50 states since 2002. Its customizable plans allow owners to choose coverage that meets their individual needs and budget. Learn more about PetPartners's plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
Furkin
4.9

out of 5

Number of reviews 59

Verified Reviews 55

All rolled-up, we think Furkin is the best coverage in Canada! We’re bound to our pets because of all they give us. Having Furkin Pet Insurance coverage helps put you and your pet in a position to receive the best care when they become sick or injured. Furkin was designed to be a win-win that helps put everybody back into play: you recover your expenses, while your pet receives the necessary veterinary medical care. This ensures both YOU and YOUR PET can bounce back from the unexpected! With up to $20,000 in annual coverage, 80% of your vet fees covered, no ‘per condition’ limits, and over $3,000 in additional pet owner benefits, Furkin is truly awesome coverage. You also get additional benefits such as 24/7 Telehealth Support* and a Petriage™ Online* included. Furkin is healthy coverage fur your familyTM. Learn more and get a quote today. Furkin is currently waiving their $35 enrollment fee.
Pumpkin
4.6

out of 5

Number of reviews 48

Verified Reviews 26

Pumpkin is a pet care company on a mission to make the best pet care possible fur all. Pumpkin was started after its founders took a look at other pet insurance options on the market and found that some were missing one crucial component - preventative care. Pumpkin believes all parents should be able to give their pets medical care if they’re sick or hurt, and preventive care that keeps them healthy throughout their lives.
MetLife
4.7

out of 5

Number of reviews 23

Verified Reviews 0

As one of Fortune magazine’s 2022 “World’s most admired companies,” MetLife is proud to have helped people protect what matters to them for 100+ years. MetLife Pet Insurance continues that tradition with a dedicated team of pet advocates who have been passionately serving pet parents for over 15 years. MetLife Pet Insurance offers pet parents an exceptional product from a best-in-class insurer at an affordable price — focused on flexible product offerings, competitive rates, and innovative policy benefits.
Pet Assure
4.5

out of 5

Number of reviews 10

Verified Reviews 0

Pet Assure Veterinary Discount Plan saves you money on your pets’ healthcare every year by giving you access to quality veterinary care at a discounted rate. With Pet Assure, you receive an instant 25% discount on all in-house medical services at participating veterinarians, including savings on every wellness, sick and emergency care visit. Learn more about Pet Assure's discount plan and read customer reviews so you can make an informed choice about how you cover veterinarian care costs.
PHI Direct
4.9

out of 5

Number of reviews 7

Verified Reviews 0

PHI Direct is truly affordable pet insurance for Canada’s cats and dogs. PHI Direct’s policies are, on average, 45% less for dogs and 37% less for cats than other Canadian providers. They provide up to $10,000 of coverage per year, telehealth coverage is included as-standard and they have a low $200 deductible – so your vet bills are covered sooner.

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