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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

Excuses for Everything

I have a little pomeranian puppy who has an open fontanel. The Trupanion representative said that it didnt matter and that he would be covered by the pet insurance. He also developed bronchitus a few days after signing up for the insurance. The doctors original checkup notes stated that his eyes were watery. My little pomeranian started having siezures a few weeks later and has required a trip to the neurologist and a prescription of phenbarbital. Last week I submitted my claims to trupanion. The ones for the siezures and the ones for the bronchitus checkups. They will not cover any of the bills. They claim now that an open fontanel is a pre-condition for siezures and the watery eyes noted by the doctor indicated that bronchitus was develping and therefore also fell under the pre-existing condition category. They did however want to reimburse me for coccidia medication, even though their contract specificly states that they do not cover parasitic infectons. Im up to $2k in vet bills and up until this point had been sleeping a little easier thinking trupanion had me covered. But all they want to help me with is a $12 deworming medication after paying them $50 a month for coverage. My advice is DO NOT BOTHER WITH THEM! They are all about the business(playing lawyer) and have little interest in providing excellence in customer service to their policy holders.
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Pomeranian
  • AGE OF PET: Under a year

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9

out of 10

Always a positive experience

We had never purchased pet insurance for any of our previous dogs, and when we incurred astronomical vet bills with one of them who had orthopedic problems and then cancer, we thought our next dogs would have to be covered from puppyhood. Our beautiful Siska who is a 6 and a half year old Bernese Mountain Dog has been insured with Trupanion since she was 8 weeks old. We also have a younger Berner (2 year old Logan) who is also covered with Trupanion. Throughout the years, we have had smaller claims for a variety of illnesses and have always been extremely happy with the turnaround time for processing and receiving our claims reimbursments. More recently, Siska was having difficulty walking and what we thought was arthritis turned out to be 2 torn ACL's (anterior cruciate ligaments). Upon consulting with our Veterinarian, we were referred to a specialty surgeon who performed a bilateral TPLO (tibia plateau leveling osteotomy) procedure on Siska's back legs. Needless to say that the surgery was very expensive ($6,500), but when we presented our claim to Trupanion, we were again very pleased to receive the expected coverage amount within 2 weeks. Despite increases in monthly premiums, we have always been very satisfied with Trupanion's quick response and level of coverage.
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: 1 - 8

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10

out of 10

Quick response on claims

My 8 month old English Bulldog (Gov'nor) developed demodectic mange, "Puppy mange" caused by those pesty little mites. He developed this around 4 months of age. He has required medicated baths every 2 weeks. Trupanion responded very quickly to my claims--and paid out at 90% (less exams). This is my first experience with Trupanion and I would recommend them to anyone who has a pet. I thought I would never need to use the claim service--but I did and couldn't be more pleased. Thanks Trupanion
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: Under a year

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2

out of 10

False Advertising

I had good experiences with Trupanion, until they tried to raise my rates. They advertise "no increases due to pet's age/claim history". HOWEVER, they have raised my rates by almost 100% over the last 2 years. When I signed up my first pet, I was paying $38/month.....1 year later, they raised it to $50/month. Today I received a letter saying they now want $65/month. I never even made a claim for this dog! With 2 dogs, that gets quite expensive, especially considering they dont cover dental, and even less is covered if your dog isnt neutered by age 1. (For example, if you get your dog neutered ANY time after they turn 1, and they get hit by a car, they wont cover it! What does neutering have to do with getting hit by a car?) Their reasoning for raising the rates is: "costs of veterinary care in your area went up this year"....funny, considering my vet lowered their fees this year. Needless to say, I cancelled my policy today. I would rather keep the $1500/year in my bank account, rather than give it to this greedy business. 2/10 because of their friendly customer support. Otherwise it would be a ZERO.

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10

out of 10

Happy with Trupanion Pet Insuarance

I've enrolled my yokie pup at 3 months with trupanion pet insurance.Had no problem, a cheque was sent to me right away. Also, my vet had proper forms filled and signed for me. Also they can fax all in paperwork to them at no charge. I'm very pleased with trupanion and I will recommend them to you.
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: Under a year

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10

out of 10

professional and prompt payment

took max for hip x-rays. The claim was handled quickly and fairly. I have two other dogs insured and will add another in summer. I am most pleased int he way this arrangement has worked to date.

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9

out of 10

I would never own another pet without Vetinsurance

In July of 2007 we were fortunate enough to meet the new love of our lives; Cooper, a 8 week old Golden Retriever puppy. We were told when we purchased this little fellow that pure Goldens sometimes have issues and it would be in our best interest to purchase Dog Insurance. After doing alittle research we settled on Vetinsurance (Canada) / Trupaion (U.S.A.). As it turns out this may have been the best thing we could have ever done; you see cooper got very, very sick at 7 months old and we thought we would surely lose what had become our best friend. At the time your pet is sick you never think of the money or time that you spend but as we all know when the crisis is over which ever way it turns out there is always the cost to contend with. Hopefully the cost is only finacial.....well I am happy to say the finacial aspect was the only cost and by the time we had spoken with Vetinsurance we knew that was not much of a cost at all. Our medical bills were just over $1,200.00 Dollars and Vetinsurance reinbursed us for over $1,100.00 dollars. It was a very difficult time for our family as it would be for anyone but our story turned out great and that was in no small part to Vetinsurance / Trupaion. I would highly recomend this company to anyone looking for Pet Insurance. I want everyone who is reading this to understand I have never witten a statement like this before and may never again but please believe me when I say this is honestly some of the best money I have ever spent, and the only reason I do not give this a 10 is because nothing is absolutely perfect, but this is pretty close for an Insurance company.

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1

out of 10

The worst ins company

I have a 2 yr old black lab, have had this ins since she was 8 weeks..they are the worse, they recently got bought by another ins co. I am still wating for a claim i filed in Dec. they faxed the vet wanting every single medical record on her WHY????They won;t return my calls, they apparently did not get all records from previous underwritier..DO NOT BUY THIS INS!!!!!!!!!!
  • INSURER: AKC
  • POSTED: 08/30/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Trupanion kept their promise

Trupanion promises to reimburse quickly once a claim is filed. One of our cats became very sick and we had to file a claim. It took only about two weeks from the time when they received it until we received the check for the reimbursement in the mail. That is indeed very fast. I also like that they do not raise the premiums for the pet getting older. The premium is based on the age at enrollment. We only had one adjustment for general cost increase so far, with slightly over 2% reasonable. The only reason I did not give a ten as a rating is because they do not cover some of the fees veterinarians charge, but which are unavoidable (examination fees). How else can the animal be treated unless it is examined? However, compared to the other costs that can hit you for a treatment the fees are usually the much smaller part. Overall great service and a great philosophy
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Domestic Mediumhair
  • AGE OF PET: 1 - 8

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10

out of 10

Awesome Company! We love AKC Pet Healthcare

We bought this plan when are little girl was just 12 weeks old. She is now approaching six. AKC PHP has been there for every little and large medical event in her life. We are reimbursed promptly (less than 2weeks from claim), we have never been denied any claim. It is so comforting to know when our dog is sick we afford her the very best medical care thanks to AKC PHP. We recommend this insurance to all our friends and family.
  • INSURER: AKC
  • POSTED: 08/30/2017
  • BY:
  • BREED: Schipperke
  • AGE OF PET: Under a year

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