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With a growing range of cat and dog insurance policies on the market, it can be hard to find the best pet insurance to suit your individual needs and budget.

We enable pet owners to share their experiences of some of the leading pet insurance providers, so as well as being able to compare the best pet insurance plans available based on cost, levels of coverage, exclusions and deductibles, you can read thousands of pet insurance reviews from other owners across the U.S. and Canada.

Our helpful pet insurance reviews can help ensure you find a policy that’s right for you.

1

out of 10

Not worth it unless if you have a puppy

I purchased Trupanion for my 8 year old dog because the company said that it would accept pets that have preexisting conditions but would not cover expenses related to those illnesses. The guidelines were pretty clear - any expenses related to the illness that was found before purchasing the insurance plan will not be covered. However, to my dismay, it seems that Trupanion evaluates every nitty gritty detail in order to deny your claims for any future illnesses that may incur. For example, my dog had to be rushed to the ER because he was vomiting and lethargic. As a result, he was diagnosed with Pancreatitis. Trupanion got back to me and sent me a letter that copied and pasted every comment starting from 2 years back when I informed my vet of incidents when he had indigestion and vomited. They said that those were "preexisting symptoms" that led up to my dog's illness 2 years later. Note, the vet never found any kind of stomach related illnesses until recently when I submitted the claim. Another problem I have with Trupanion is that they try to find any reason to deny your claim. For example, they approved one claim when my dog caught a cold from another dog, but when I submitted 2 more claims for the same illness, they denied them because "it was related to his preexisting condition." Seriously, I am on the fence about canceling my account with them right now. It makes no sense for me to continue purchasing Trupanion's service if they are not going to provide me any.

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2

out of 10

Might not be worth it

My cat's claim was denied because his file said he'd vomited a couple times in the past. What animal doesn't vomit at some point in 9 years? That's hardly the same thing as vomiting repeatedly for days in a row, requiring x rays, multiple blood tests, and medications. Unless you insure your healthy pet at birth, it might not be worth it. Your dog was hit by a car and broke his leg? Well, it says here that 5 years ago he tore a dew claw so that leg's not covered. Your dog has pleurisy? Well, she was panting during an exam 10 years ago so that's not covered. She obviously had lung issues then. Cat's developed diabetes? Well, he was apparently a bit overweight at one point so we aren't going to cover that. Any animal that hasn't had a major illness can still be construed as having pre-existing symptoms for just about everything at some point. I'm saying yes for recommending this company to other pet owners, but it's very conditional. Get the insurance at your puppy/kitten's first exam. Maybe then they'd actually be covered.
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 8 years

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9

out of 10

Saved our dog and our finances

When our dog came down with pancreatits 13 days ago, we expected he would be hospitalized for two days. As his condition worsened and he was slow to respond to treatment, two days turned into nine days. Bills reached $6000.00. Trupanion processed our claims within 36 hours, and averted what would have been a short term financial disaster. Best of all, our pup is home and on the mend.

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10

out of 10

Very pleased

My cat ingested a toxic plant and was hospitalized for three nights on an IV. (Two nights in an emergency clinic and one night at my regular vet clinic). I faxed a claim to Trupanion in the morning the day after my cat's release from hospital and received an email in the afternoon the same day to let me know my claim had already been processed. 90% of my costs minus the physical exam fee were reimbursed and I received the funds within a week (almost $500). Very fast service.
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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5

out of 10

Premium Increase

My premium has just increased from $50.82 to $75.04 (including HST). The email states: "With the cost of pet health care continuing to rise as veterinary medicine improves the quality, effectiveness and standard of care being offered for treatment, it is important for us to adjust our rates accordingly." It was under $50 when I signed up. This is the second increase, and my dog isn't even two yet!!! I am now looking for a new provider. On the good side, claims were always handled very quickly.
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Standard Poodle
  • AGE OF PET: 1 - 8

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10

out of 10

The best pet insurance there is!

I have been with this pet insurance for 6 years. The fees are very reasonable and I have two Schnauzers so that is important. Also they process the claim within 2 days of receiving and the cheque arrives within 2-3 days. They encourage you to take your pet to the vet when they are sick and to keep your pet healthy. The best pet insurance there is...for sure.Patricia Hohs, Stittsville, Ont. Canada

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10

out of 10

THE BEST!

My basset hound was diagnosed with canine cystinuria, which is very rare, at the age of one. This is a genetic disease, which many insurance companies would not cover. Fortunately, we insured him through Trupanion. We have 90% coverage, and are fortunate to have had over $5000 in vet bills paid for by Trupanion. Just 3 months ago, at age 2.5, he blocked with cystine stones and needed emergent care and surgery. He was in the hospital for 4 days. I have since switched my older basset girl to Trupanion insurance. We are really relieved to know that Trupanion will take care of our two bassets when they need veterinary care.

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1

out of 10

AKC is ripping off its customers

JUST RECEIVED RENEWAL NOTICE. A RATE INCREASE OF 58% FROM LAST YEAR. $790 TO $1,248. REASON GIVEN. THEY NOW CHARGE ACCORDING TO SIZE OF DOG AND AGE OF DOG. MY IRISH SETTER IS NOW 6 YEARS OLD WITH NO HEALTH ISSUES. I HAVE HAD THIS INSURANCE FOR 6 YEARS. THIS INCREASE IS ABSURD. I AM NOW LOOKING FOR ANOTHER CARRIER.
  • INSURER: AKC
  • POSTED: 08/30/2017
  • BY:
  • BREED: Irish Setter
  • AGE OF PET: 1 - 8

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10

out of 10

As Promised - very good

They were quick and covereage and claims paid were fair and as represented in their literature and contract. Outstanding
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Under a year

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10

out of 10

Finally a pet insurance that covers your costs

This insurance does not cover your yearly physical expenseses but IT COVERS 90% of TOTAL ACTUAL VET BILL for sick, diagnostic, lab, surgery,over night care..I live in New York and medical bills are much higher than a small town across the country. At present I am a pet parent to 3 cats and 3 dogs of which 2 of my pets are very senior dog 18 years old and cat 23 years old, my other 4 pets are 4 years old I Know how hard it is to take care of your pets when ill..I was always looking for insur for my younger pets that made some sense. All other insur covers yearly visits and such BUT it is NOT what it cost you IT IS A PAY SCALE AVERAGE and lots of exclusion and premiums some higher than Trupanion..I picked Trupanion because their coverage IS 90% of what it costs you for illness or surgery and NO CAPS ON LIFETIME. I enrolled 7/29/2010 my younger pets. One of my dogs ruptured her R CCL ( her knee tendon) had surgery $ 1610.00 9/24/2010 recieved payment 10/19/2010 for $1449.00..I AM SO HAPPY , also had a prior bill expenses $ 737.00 diagnostic and labs in reference to above Recieved payment for $ 663.30..AGAIN I AM SO HAPPY..I STRONGLY RECOMMEND THIS INSURANCE>.p.s I never write reviews but what I read up on Trupanion helped me , I hope this helps someone else...
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: 1 - 8

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