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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

claim went smoothly

The claim was handled cleanly and effectively.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labradoodle
  • AGE OF PET: 1 - 8

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5

out of 10

Decent reimbursement, but tough on older dogs

I bought ASPCA for an 8 year old golden retriever when I first adopted her, and the premium was reasonable $25 per month. When she turned 10, they increased it to $45 a month. I thought that having a prior relationship with them would mean they wouldn't overcharge just as my pet ages. Also, the policy can vary from state to state. I adopted my dog in Montana, but currently live in Oregon. I just found out that due to policy changes in Oregon, my dog is no longer eligible for ASPCA insurance. Oregon's rules essentially require that ASPCA insured dogs have the "extended care option". I would enroll my dog in it, but they will not enroll any dogs over age 8. I'm pretty ticked off that ASPCA is essentially kicking my dog off of their plan just because she aged, and that now I'm having to search for new insurance plans and enroll a 10 year old. (It's insanely expensive). When I did submit claims, they were generally accepted and reimbursed promptly. In this regard, ASPCA was better than my human health insurance. Claims I submitted were fairly minor and included a hurt paw, eye infection, and metabolic panel.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: Over 8 years

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1

out of 10

Horrific!

My 10 year old cat had what I thought was a stubborn hairball hack. The vet knew better and a blood test along with two x-rays showed advanced chest cancer and lumps by the kidneys. So much the Vet recommended no surgery but injected antibiotics for the lung infection and suggested steroids in a few weeks to ease the growths should he still be alive. All this company could do is ask for more and more information...recent info faxed by the office and all other documents from time of birth sent by me via email. End result: its a cough, you're not covered. Heartless.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Shorthair
  • AGE OF PET: Over 8 years

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10

out of 10

Amazing support

We had our 100lb dog tear his ACLU and needed surgery to reconstruct it. We are a young family and the cost of the surgery would have been impossible it hour Trupanion. We found out on a Friday he needed the surgery and they needed to get it done quickly so he was scheduled for surgery the following Wednesday. With such little time there was no way to pre plan the claim and we had to pay out of pocket first and then wait for the reimbursement. The call centre staff at Trupanion were amazing. I talked with them multiple times and let them know our situation and they went above and beyond to do everything they could to make sure they had all the information they needed so they could process the claim quickly for us and get us the reimbursement as fast as possible. I was so great full for all their help and understanding. We had our cheques in hand 2 weeks later. Amazing!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Trupanion is always efficient and reliable!!

My Kobie became very I'll with diarrhea and commuting and I took him to the animal ER. The total bill was $402 and after my deductible of $50, Trupanion sent a check in the amount of $250 to cover a good percentage of the bill. Everything that isn't a pre-existing condition is generally covered! The only thing that isn't covered is the office visit fees and the 10% that is required (the policy is 90/10 coverage). I'm happy with the outcome and feel that this is the best insurance provider I could find :-) I have filed 3 claims and all have been taken care of efficiently!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

Fast Claims Payments & They Actually Pay Claims

  • INSURER: Pets Best
  • POSTED: 07/17/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: Under a year

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10

out of 10

Efficient and reliable

We have two dogs, an older mixed breed, and a 2 year-old cane corso. They have had various minor health problems in the past, our corso recently required a TPLO surgery for an ACL tear. Because of our past positive experiences with Healthy Paws, we were able to focus on taking care of our pet instead of worrying about how we would be able to afford this expensive surgery ($3600), they have also covered the rehabilitation procedures for him, including cold laser treatments, no questions asked. They are very efficient at processing claims and we have never had any issues in the two years that we have had coverage with them.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cane Corso
  • AGE OF PET: 1 - 8

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10

out of 10

Hassle free coverage makes worry free dog parent

Can't say enough about the convenience of Trupanion. I have a no-deductible policy, so when my maltipoo developed a respiratory infection and needed to undergo x-rays and a precautionary EKG, I could focus on getting him the best care possible. Submitting the claim was easy, and, after Trupanion called my vet to get his medical history, they quickly approved the claim and reimbursed me 90% of my out-of-pocket expenses.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Great customer service from Trupanion

A trip to our usual vets, an injection, medication and a referral to a specialist meant that the cost of veterinary care really mounted up for our 8 month old puppy recently. Thankfully we took Insurance out with Trupanion when we first adopted Poppy and Trupanion very quickly informed us that the insurance covered part of the treatment, which was very welcomed. The claims team at Trupanion dealt with our claims efficiently and kept us informed of every step of the process. Also any time I call Trupanion & fins the staff member I speak with very polite and helpful. I would recommend these insurers to other pet owners.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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7

out of 10

Service is excellent, but claim process is not

Their rates, customer service, and coverage are excellent. But their claims process is another story. Even though you have an itemized receipt/invoice from the vet, they require you to have the vet fill out a separate claim form for them that lists exactly what the invoice already has on it and have it signed and stamped by them before they will accept it. This has been a huge hassle, and was contributing to a negative relationship with our vet. We had to cancel the policy and change to another that doesn't have this added layer of work... I would not have chosen this company had I known this beforehand.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: Under a year

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