218,212+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 218,212 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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Predatory practices (>100% sudden rate hikes); Misleading stats ("95% of claims approved" can mean $1 of $5000 paid out)
I ensured two older dogs in 2017 at a rate of $65/mo for both dogs. It then annually went up to $78, $105, and then $280/mo by 2020. So they more than QUADRUPLED the cost in just 3 years. They sent an apology email when they did the >100% rate hike in 2020 but an apology does nothing. They get you in the door, get you invested when the dogs do not have a bunch of preexisting conditions, take your money for several years, and then hold you hostage at exorbitant ransom until you eventually need to then go off insurance forever and forfeit your investment to them. Also, they cook their books. Every single claim gets "approved," and then you open the "approved" explaination of benefits to find that they approved like $40 of a $3900 bill. One of my dogs received surgery to remove a suspected malignant tumor, but since it came out benign they rejected all expenses (well, they approved a fraction, of course). They explained that if it were malignant they'd have paid it, but since it was benign they declared that the whole thing must be "dental". So despite that the charges were all towards a covered diagnosis of suspected malignancy (a CT scan, resection of a mass by an oncologist, a biopsy... all conducted in a facility that does not even employ a dental surgeon or anything general practice), since it was benign I'm 100% on the hook. They claim they do not interfere with medical advice and they claim they give you peace of mind when making decisions but when you are half crossing your fingers for a malignant tumor so that your diagnostic tests will be covered that is bad.
Insurer: Embrace
By: C
Don't bother
Do not bother. Horrible company Trupanion in bad faith denied my dog's MRI stating that it was possibly preexisting when he had never been diagnosed or treated for a disk issue. A board certified veterinarian specifically stated this was a new issue but because my dog was being treated for a blood clot they used that as an excuse not to pay. They are not honest and will deny claims as much as possible. The people that make decisions have no medical background and speaking to them is like speaking to a brick wall because they do not understand medical issues. I would have been better off saving the premium every month.
Insurer: Trupanion
By: R
A very reliable company
Processing time has gotten really slow once again (at least one month), but they always come through in the end. Excellent communication.
Insurer: Pets Best
By: Laurence Legouge
Trupanion was a blessing for my Tara!
I am very thankful that I chose Trupanion when I got Tara 9 years ago. About 3 years ago she started with liver failure and was rushed to an Urgent 24 Hour Care Vet where she was admitted into isolation and intensive care. I almost lost her and if it hadn't been for the insurance it would have been extremely difficult to pay for her care.
Insurer: Trupanion
By: Linda
Trupanion saved my dog
Excellent claim and customer service. My dog would likely not be alive today without Trupanion.
Insurer: Trupanion
By: Brandee
Trupanion rocks!!
Never had any problem with any claim submitted.
Insurer: Trupanion
By: Donna
Trupanion Is Great
Trupanion has very quickly and efficiently processed my claims during this illness with my dog. I am more than happy with them. I hope today's claim is the last one!
Insurer: Trupanion
By: Carol
Trupanion has been a life saver for us.
Usually very good, but they have disallowed at least two dermatology claims for an issue that the doctor says is a direct result of the treatment my dog has received for thyroid cancer. They did NOT disallow the thyroid diagnosis.
Insurer: Trupanion
By: Barbara
Trupanion
The claim response from Trupanion included line items (with separate deductibles) for things that weren't listed anywhere in my vets invoice or personal notes. Also, I know they don't cover routine exams but an emergency room visit is hardly routine... It left me feeling like Trupanion was sleezy.
Insurer: Trupanion
By: Jamie