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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.

10

out of 10

have been on the plan for almost 2 years

Have never had a claim denied and am almost an obsessive pet owner. If Macy sneezes we go to the vet! Very happy with the coverage. I am on the most expensive plan though.
  • INSURER: AKC
  • POSTED: 08/30/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Fantastic!

We have two dogs who have unfortunately had a number of health issues and we have been so fortunate to have Trupanion as our insurance company. They have been a life saver (literally) in helping us financial cope with the challenges our dogs numerous health issues have cost in the last 5 years. They are fast, efficient, and true to their word about what they will cover. Our dogs may not have made it through their health challenges if trupanion wasn't there helping us. We would highly recommend this company to anyone seeking insurance for a beloved pet.

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10

out of 10

Excellent

I never thought the following words would pass my lips about an insurance company: they are wonderful. Our 8 month old lab mix puppy just had surgery for elbow dysplasia, and numerous X-rays and an MRI were needed in order to diagnose this. The total was more than 6000 dollars. Getting the money refunded was incredibly easy and hassle-free and I would recommend this insurance to anyone in a heartbeat. One thing, when you sign up you have a limited number of time to add hip dysplasia for a small fee each month. It seemed crazy to do this for a puppy but now we wish that we'd signed up for it (no problem getting the elbow dysplasia covered, though).
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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8

out of 10

Pete Madden

We have had AKC for our Maggie and they paid everytime we just download the form have the vet fill it out we fax it back and thats it we receive our check.We are now going to get in on our new pup Lilly.
  • INSURER: AKC
  • POSTED: 08/30/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

The Unique and Personal Approach

I am from Vancouver, BC Canada so I used to have policy with Vet Insurance in Canada with my last dog Pepper, the beagle. Pepper went through so many health problems and had a couple of big operations. When Pepper was 8 years old, I was newly divorced and hard to keep up with his medical bills everytime he needed vet care. Vet Insurance was the only pet isurance company accepted my application for enrollment although the others denied my application because Pepper was too old. He had two big life threatening surgeries, and one was spleen rupture when Pepper was 10. My bills was astonomical. However, thanks to Vet Insurance, it was 90% covered, and I didn't have to worry about going broke. Instead, I was able to focus on taking care of him. I give a huge credit to Vet Insurance for helping Pepper prolong his life and live happy, not to mention give me peace of mind. He passed away last year, but our vet told me it was miracle that he outlived 5 more years of borrowing time after the big surgery. During late years of Pepper, I was re-married and moved to US. After Pepper's passing, we thought we would never have another pet because of dealing with pet's loss. My husband was surfing Craigslist to look for something else and found ad for beagle puppy for adoption. We called up the original ownder and met the puppy. We fell in love with him instanteneously. That was not our plan to have another pet, but we could not help ourselves. He was born on Halloween and we picked him up on Friday the 13th (of February) so we re-named him Lucky for good luck. He is a loving happy dog. Thanks to wonderful experience with Vet Insurance I knew I have to get insurance for him so I began to research for pet insurance company in US. And I was so extatic to find out that Vet Insurance opened a company for US market called Trupanion. I knew Trupanion will give me great coverage at very competitive rate as well as excellent customer service just like Vet Insruance. And I was right. Trupanion offer very unique coverage that fits to anybody's budget and circumstances. Very simple to file claim and fast to get reinbursement check. And they will personally take good care of you. They follow up each claim and keep you updated by calls and e-mails. The representatives are very sinsere and care about you and your pets. I am very happy with Trupanion. Lucky is just a puppy, and he has many years to go so I am very confident that through Trupanion, we can provide him the best medical care without any finincial stress from big expenses when unexpected illness or accident occurs in the future. With Trupanion, we can keep Lucky happy and waggling his tail for a long time. In my opinion, Vet Insurance / Trupanion is the best in the market. I recommend to all my friends and family. If you have older pets, it is not too late to enroll. Please protect your pet and be stress free from enexpected future medical expenses for your pet with Trupanion.

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2

out of 10

Over priced and no good

I tried the "free" insurance provided by pet partners, activating it on the morning of March 18th....on April 18th I took my puppy in for Cystitis and got her cared for, but Pet Partners refused to cover the cost of care, saying that my coverage didn't start until the 19th following their "30-day waiting period"...and it took over a month for me to get a response!I am glad I let this coverage lapse and would not recommend this coverage to anyone. PetFirst is much better...go with them!
  • INSURER: AKC
  • POSTED: 03/02/2020
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

So far so good with my dog

I purchased the AKC Wellness policy for my new pup and the basic policy for my 3 kittens. They have been very good at paying for his office visits, medications and vaccinations. After the initial annual deduction, they are paying 80% (20% co-pay). Puppies require a great deal of attention (vaccines, heartworm, tick & flea meds, wormcheck) the first year. In two instances they denied payment incorrectly, but I think it is important to give them credit for their quick turnaround when I wrote to them to clarify and they confirmed the information with my vet. The jury is still out on how they respond to a claim for one of my kittens. She was 8-months-old when she suddenly became very ill one evening. I took her to the emergency clinic and transferred her to my regular vet the next morning. Both vets believed she needed surgery for what appeared to be an intestinal obstruction. She was operated on and died after the surgery. After an inconclusive autopsy, my vet has concluded that she had heart disease which could not be detected before hand and ultimately led to her death after the surgery. The combined two vet bills will total just under $3,000, which is the policy limit. We will see if they pay it or not. So, as to my pup a 9. Let you know later about the kitten.
  • INSURER: AKC
  • POSTED: 08/30/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Very satisfied

On a whim (after seeing how much family members have spent on vet bills) I decided to get pet insurance. The rate isn't too bad, not even $50 a month. 8 months after getting it my dog had a partial bowel obstruction and was in the animal ER for nearly 3 days. Just over $2,000 later I got my dog back (luckily they were able to flush it and he didn't need surgery). It took the animal hospital longer to get the vet to sign the claim form (since I guess that hospital wasn't his normal place to work so they had to track him down) than it took trupanion to process and mail me a check. The pet insurance literally just paid itself off for the next 40 months, well worth it IMO.
  • INSURER: Trupanion Canada
  • POSTED: 08/30/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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4

out of 10

The Claims Processing Predicament

I've had this Pet Insurance since March when my new puppy came to me as my forever partner to replace my 12-yr-old SD; I've had several visits to the vet and need to process my puppy's claims; it seems impossible to download claim forms from their web sight, and this is bothersome; in responding to the comment whether claims should be processed if more than 90 days go by, to me they should be processed up to six months following treatment; unless the company has some compelling reason to require the 90-day rule, and I can't think of what it would be--if there is such a rule, there ought to be reasonable exceptions to it--on a case-by-case basis. Incidentally, the Dog Law books should be on our shelves for quick reference when needed!
  • INSURER: AKC
  • POSTED: 05/09/2019
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

AKC Claims Processing is a Hassle

We've had this insurance since 2003. Claims processing has been exhausting, requiring escalation to their president. Now, they have a fairly new rule -- claims must be submitted within 90 days -- and a new form has to be completed each time, even for same illness -- and filled out by vet. This seems like bad faith to me. Does anyone know if it is legal to deny a claim if it's submitted after 90 days. If the coverage is in place at the time of treatment, then they should pay, yes?
  • INSURER: AKC
  • POSTED: 08/30/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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