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.
out of 10
We have had this insurance on our pet for 5 years, since we got her as a puppy. The first year, she required surgery for orthopaedic disease of her shoulder at a specialist. Since then she has developed allergies which requires on going medications, treatment of ear infections, allergy testing, special diets. This insurance has allowed me to provide best care for my pet. My monthly premiums have been reasonable and not increased with claims. It is true that reimbursement can take a few weeks, but my auto insurance claims have taken much longer! It is also on the purchaser to ensure the coverage is what they are wanting. Read the policy! Pre-existing conditions will not be covered. This just makes since or everyone’s premiums would be huge. There are also things that won’t be covered-read the dental exclusions. It is on the consumer to do the research. There are many pet insurance providers, make sure you are comparing the different products available. I have my pet insured with Pets Plus Us, but insured my Mom’s dog with a different company based on Mom’s needs. Last piece of advice is most important, get insurance when your dog is a puppy with a clean bill of health. That way there will be no exclusions on your policy.
I've been paying for this pet insurance for 2 years. When we found out we needed to get a deep teeth cleaning last year that wasn't covered because it was deemed preventative care. Fine I don't like that you won't cover it because why the hell am I paying monthly but I guess if anything more serious comes up it'll be nice. So this year when we brought our pet in for her checkup we found out that one of her back teeth has degraded more and needs to be extracted. And guess what? also not covered. What the hell am I paying for? You don't cover preventative care, you don't cover required care? this is just a scam. Stay away.
We love Trupanion’s exceptional customer service, efficiency and speed of their claims department! They are so compassionate and personable and surpass any competitors by miles - thanks for truly caring for our babies!!
would like to retract the review I wrote in the last hour
In my review I complained about inability to reach a human. In going through my inbox, I found a message from a human which I had not seen. It was asking me 3 specific questions.
I'd like to retract the review I just wrote; I would like you to not approve this one. I will write another when my outstanding claim is either approved or denied.
Very disappointed. Lemonade has paid out two small claims, and a third is in process--and has been in process, for weeks now. The insurance is reasonably priced, but the claim experience is an ordeal. Essentially the consumer has to do the work the veterinary office would normally do in submitting the claims.
Two of my three claims have gone into "Lemonade Limbo." Any attempts to contact customer service result in a response from a chatbot. Chatbot messages forwarded to "the team" will get a generic email signed by a human, but it is only a boilerplate message. "You will hear from us soon." They need to use another word, because over three weeks is not soon. There is no way to talk to a person, so the claim process is unsettling.
Ease of claims and rapidity of payment are what Lemonade sells, but that has not been my experience.
First time buying pet insurance, having adopted a special needs, 4 year old cat, who had been found in terrible condition. After approximately 9 months of rehab, we saw him & adopted him. Tara, the agent who assisted me, was very knowledgeable, informative, & her overall customer service was excellent, helping me determine what coverage & budget was best for Francis. I enjoyed the entire process. Thank you. Marie
Dont waste your money. Your better off putting it into savings and building an emergency fund
Waste of money. Claim after claim they deny coverage. one of our dogs was born with a recessed vulva (common in breed and many dogs) which most dogs will grow out of. She developed a UTI after a few months. Because the recessed vulva can lead to an UTI and noted at her birth it was a "pre-existing condition" (their perfect excuse not to pay) they not only refused to cover any related claims but stated any issue from her vagina through her urinary tract system would not be covered now or in the future. That's one example. They make excuses and rule out for anything moving forward based on "pre-existing condition" which they interpret to be anything related to the body part noted and anything attached to such. What's most frustrating is your premium is based upon the breed and likely common illness (risk for insurance claims) associated with those breeds. For our mastiffs it is a fairly healthy premium. Fair enough IF they then covered such illnesses that justify those premiums. These companies want it both ways. Justify the high premium then deny claims. Waste of money. Our yearly cost for both dogs was $2052. You'd be better off saving that money in an emergency account and in a year or two you'd have enough for most major incidents which was the reason we initially got it. And in disclosure we were huge proponents of pet insurance. Before her passing we carried insurance for our last mastiff for 8 plus years. in disclosure it was another provider and they denied a couple claims as well but overall felt they were fair. However our experience, premiums have doubled with the new dogs and claim approval basically nil. Save your money they are not honest nor will it provide you any assurance they are there for your pet. I know the $2000 will be in my account and accessible. Why pay them $160 + a month for weeks of submission and discussions to find they applied 10% to a deductible ($500) which will never be met with their games. Tis game should be illegal to be honest.
My dog has had quite a few issues in the past: she was attacked by a dog when she was young; she had to go through stomach surgerr to remove something she ate; and now, as an older dog, she is dealing with some digestive problem and needs constant monitoring via ultrasounds. Trupanion has been amazing from day 1. Not only do they cover everything they said they would., but it is always done in less than 24 hours and without any stress. I love Trupanion and only wish we would have human health insurance as good as this!