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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.

 
3

out of 5

denied, appealed, covered

I had my dog examined 7 days after my policy took effect because he had been coughing for a few days and it was only getting worse. To be exact, the coughing had been noticeable 2-3 days after the policy started, I watched it for a few days, then had a doctor look at him. He was diagnosed with Blastomycosis after diagnostic tests were performed. Trupanion initially denied my claim. They stated a policy exclusion that my dogs 'signs or symptoms could have been observable or reasonably noticed my myself or my vet' before I actually had him examined or noted his signs of being sick. I am a vet tech and work at a hospital, so I was able to have my dog looked at as soon as anything was noticeably wrong with him, so Trupanion's reasoning behind denying my claim was extremely stressful and frustrating. I had my dog looked at when I noticed something wrong, not like I waited for my insurance to start before I got care for him. I appealed the claim, at which point Trupanion asked for more detailed records and a note from the doctor. It annoyed me that they asked for more information after already denying the claim and me appealing it. They denied covering his illness again, but had a staff veterinarian call me to discuss my dogs case. It didn't take long talking to the veterinarian to decide that they should cover my dogs illness and the appeal would be overturned. She was very nice and tried to explain why my claim was denied so quickly. Basically because my dogs illness was so close to when my policy started, from an insurance perspective, I could have been waiting for it to start before getting care for my dog. Also, they try to close claims as quickly as possible. While I understood what she told me, it still frustrated me that they simply denied my claim before knowing all the information that was necessary to make the right decision. In the end, it all worked out, but I had to be proactive and deal with the stress of settling the claims for my dogs illness.
  • INSURER: Trupanion Canada
  • POSTED: 11/28/2014
  • BY: April
  • BREED: Terrier Mix
  • AGE OF PET: 7 - 10

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5

out of 5

Very satisfied

Our kitty had to have emergency surgery after swallowing a small rubber cap on a feather toy, which resulted in an obstructed intestine. We filed our claims with Healthy Paws and they processed them within a week. Their app is very user friendly (just take a photo of the bills and upload), and they covered a substantial portion of the cost, including the X-rays prior to surgery, the surgery itself, and kitty's hospital stay without any quibbling. There was no despair trying to correspond with an actual human being, and the customer service representative responded to our inquiries promptly and courteously.Healthy Paws really came through and lived up to their promises. Why can't health insurers for humans figure out how to do this?
  • INSURER: Healthy Paws
  • POSTED: 11/28/2014
  • BY: Corinna
  • BREED: American Shorthair
  • AGE OF PET: 7 - 10

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5

out of 5

Good product

The claim was processed quickly and easily. They even did much of the legwork on their own to finish the paperwork. I had four separate events on the same claim, using three different vets. They reimbursed exactly as described in the policy and the premium has been well worth the money.
  • INSURER: Trupanion
  • POSTED: 11/27/2014
  • BY: Janice
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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5

out of 5

Good product

The claim was processed quickly and easily. They even did much of the legwork on their own to finish the paperwork. I had four separate events on the same claim, using three different vets. They reimbursed exactly as described in the policy and the premium has been well worth the money.
  • INSURER: Trupanion Canada
  • POSTED: 11/27/2014
  • BY: Janice
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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4

out of 5

Wellcare benefits are not good

The filing process is great and the reimbursement very prompt, but I wish the reimbursements were higher. While I am thankful my dog does not generally require more significant services, paying $50 on a $202.50 claim is not great. It only pays $25 per year for Heartguard and Frontline products.
  • INSURER: Pets Best
  • POSTED: 11/27/2014
  • BY: Phyllis
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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5

out of 5

Best insurance choice

As a previous VPI customer, I can truly see the excellent value of Healthy Paws. Not a month after making the switch from VPI my mixed breed tore her cruciate ligament and meniscus. Without any hesitation, Healthy Paws sent me a check to cover 80 percent of the close to $3000 surgery. When I adopted my rescue dog I got Healthy Paws immediately. Luckily I was covered when about a month later my vet discovered Mandy had liver disease. Healthy Paws covered 80 percent of all her labs and her monthly medications. Mandy also ended up with Demodex mange which was also covered. Without Healthy Paws, our pets would have created a financial disaster. Without a pay schedule like what VPI has, our bills were truly covered-not what an insurance company tells me what a vet should charge. My family is truly thankful for Healthy Paws and highly recommend them to anyone.
  • INSURER: Healthy Paws
  • POSTED: 11/26/2014
  • BY: Susan
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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5

out of 5

Best Pet Insurance Company

My dog, Zeus, is a rescue, and we adopted him in 2011 when he was just under 2 years old. He was vibrant and healthy up until the fall of 2013, when it was discovered that Zeus had a serious, chronic, autoimmune liver disease with a guarded prognosis. He underwent an ultrasound and a liver biopsy to confirm his diagnosis. Since then he has required a large number of expensive medications,and monthly blood draws to check his liver enzymes and adjust medications as needed. To be honest, I don't know how we would manage without Healthy Paws. Zeus is doing well right now, and the Healthy Paws folks send me e-mails asking how he is doing, which I appreciate so much. My claims are handled quickly without any hassle, and the staff is readily available if I have any questions. Without a doubt, this is the best pet insurance company I have ever worked with! When my baby developed this life challenging illness, I realized what it was going to take to keep him as healthy as possible. I am so glad we chose Healthy Paws over other pet insurance we looked out. Thank you, Healthy Paws!
  • INSURER: Healthy Paws
  • POSTED: 11/26/2014
  • BY: Julia
  • BREED: Pit Bull
  • AGE OF PET: 7 - 10

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5

out of 5

No Hassle Payments on Claims

I have received excellent service and fast response from Healthy Paws Ins. Co. I highly recommend them for your pet insurance. They are caring and always follow-up to make sure you are satisfied with their service. I have never had any problems with my claims and they always keep you up to date on the progress of your payments. You can't go wrong with this company.
  • INSURER: Healthy Paws
  • POSTED: 11/26/2014
  • BY: M.G..
  • BREED: Mixed Breed
  • AGE OF PET: 0 - 3

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5

out of 5

Trupanion is Awesome!!!

Having extensively researched many pet insurances, comparing and reading reviews, we decided on Trupanion. We didn't think we would be taking advantage of it before our puppy turned 2 since she didn't go through the chewing stages that many of our others did in the past. She initially showed signs of a bladder infection, but after a day of no improvement with medication and symptoms worsening, the vet confirmed it was more serious and had to be resolved immediately. Emergency surgery was performed as one of the three stones removed proved to be life threatening. Upon payment settlement to our vets and establishments, we submitted the paperwork and total claim of $2,557.89 bill and after the $400 deductible (we chose which is another fantastic option), the $203 items not covered (which is spelled out when you apply)they paid us $1,759.40 (90% as promised) which is more than any other insurance would provide!! Even better, we faxed our paperwork on a 11/10 and received an email confirmation the same day, we received a followup email on 11/11 to indicate they were verifying, and another email 11/17 to confirm that payment was issued! ONE WEEK!! While we hope it's a LONG time before the next vet visit, we know we can count on them to help us provide the best possible care for our little dog!!
  • INSURER: Trupanion Canada
  • POSTED: 11/26/2014
  • BY: Tammie
  • BREED: Yorkshire Terrier
  • AGE OF PET: 7 - 10

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5

out of 5

Trupanion is Awesome!!!

Having extensively researched many pet insurances, comparing and reading reviews, we decided on Trupanion. We didn't think we would be taking advantage of it before our puppy turned 2 since she didn't go through the chewing stages that many of our others did in the past. She initially showed signs of a bladder infection, but after a day of no improvement with medication and symptoms worsening, the vet confirmed it was more serious and had to be resolved immediately. Emergency surgery was performed as one of the three stones removed proved to be life threatening. Upon payment settlement to our vets and establishments, we submitted the paperwork and total claim of $2,557.89 bill and after the $400 deductible (we chose which is another fantastic option), the $203 items not covered (which is spelled out when you apply)they paid us $1,759.40 (90% as promised) which is more than any other insurance would provide!! Even better, we faxed our paperwork on a 11/10 and received an email confirmation the same day, we received a followup email on 11/11 to indicate they were verifying, and another email 11/17 to confirm that payment was issued! ONE WEEK!! While we hope it's a LONG time before the next vet visit, we know we can count on them to help us provide the best possible care for our little dog!!
  • INSURER: Trupanion
  • POSTED: 11/26/2014
  • BY: Tammie
  • BREED: Yorkshire Terrier
  • AGE OF PET: 7 - 10

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