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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.

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Our helpful pet insurance reviews can help ensure you find a policy that’s right for you.

 
1

out of 5

Will Say Anything To Deny A Claim

I adopted my cat from a shelter a year ago. She was underweight and I wanted to make sure she was ok, so took her straight to the vet. The vet wanted to do bloodwork due to her weight, and kept her overnight. While there, after being taken from a shelter to a new cage, and fed different food, she vomited a bit of the new food. Bloodwork and a urinalysis ruled out the beginnings of kidney disease (this is noted on her records as ruled out), and she was deemed fine, just thin. I got insurance through Trupanion, after much research, right after I'd adopted her, but it didn't kick in for the 30 days, so didn't cover her original visit, which I knew. After she came home, she had a couple of instances of vomiting (she is, after all, a cat), once from eating what seemed to be a bad can of food, once from eating some hair and throwing it right back up, etc. As I was a new pet parent, worried about her, I called the clinic to ask about these things. The clinic noted that I'd called and for what in her file. This year, she was seen for constipation and blood and urinalysis determined she did have kidney disease. I put in claims for this visit and the special food she's now on. These claims were all denied because of... vomiting. She was not vomiting before the visit that ended up diagnosing her, and previously, kidney disease had been ruled out. When I was on the phone with the claims rep meant to explain this seeming discrepancy to me, she said that they'd denied the claim because it was a preexisting condition - despite the bloodwork and urinalysis ruling it out previously, because she had previously vomited, which can be a symptom of kidney disease. The woman said that if I could provide medical evidence that the kidney disease was not preexisting, they'd reconsider. I pointed out that it would seem blood and urine tests ruling out kidney disease were medical evidence. But, I was told, there was vomiting! I asked if vomiting was somehow the definitive marker for kidney disease, even when clinical testing ruled it out. Oh, that's not what she was saying, she assured me, but my cat had vomited even after I'd gotten insurance. Yes, so? "That shows the disease was progressing." The... disease that was clinically ruled out? The one she didn't have? It was progressing? Yes, I was told. I asked, if I had a fever, and was checked for Ebola, and the clinical test for it came back negative, and I was shown to have no Ebola virus in my bloo
  • INSURER: Trupanion
  • POSTED: 08/22/2014
  • BY: Bob
  • BREED: Calico
  • AGE OF PET: 7 - 10

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1

out of 5

Will Say Anything To Deny A Claim

I adopted my cat from a shelter a year ago. She was underweight and I wanted to make sure she was ok, so took her straight to the vet. The vet wanted to do bloodwork due to her weight, and kept her overnight. While there, after being taken from a shelter to a new cage, and fed different food, she vomited a bit of the new food. Bloodwork and a urinalysis ruled out the beginnings of kidney disease (this is noted on her records as ruled out), and she was deemed fine, just thin. I got insurance through Trupanion, after much research, right after I'd adopted her, but it didn't kick in for the 30 days, so didn't cover her original visit, which I knew. After she came home, she had a couple of instances of vomiting (she is, after all, a cat), once from eating what seemed to be a bad can of food, once from eating some hair and throwing it right back up, etc. As I was a new pet parent, worried about her, I called the clinic to ask about these things. The clinic noted that I'd called and for what in her file. This year, she was seen for constipation and blood and urinalysis determined she did have kidney disease. I put in claims for this visit and the special food she's now on. These claims were all denied because of... vomiting. She was not vomiting before the visit that ended up diagnosing her, and previously, kidney disease had been ruled out. When I was on the phone with the claims rep meant to explain this seeming discrepancy to me, she said that they'd denied the claim because it was a preexisting condition - despite the bloodwork and urinalysis ruling it out previously, because she had previously vomited, which can be a symptom of kidney disease. The woman said that if I could provide medical evidence that the kidney disease was not preexisting, they'd reconsider. I pointed out that it would seem blood and urine tests ruling out kidney disease were medical evidence. But, I was told, there was vomiting! I asked if vomiting was somehow the definitive marker for kidney disease, even when clinical testing ruled it out. Oh, that's not what she was saying, she assured me, but my cat had vomited even after I'd gotten insurance. Yes, so? "That shows the disease was progressing." The... disease that was clinically ruled out? The one she didn't have? It was progressing? Yes, I was told. I asked, if I had a fever, and was checked for Ebola, and the clinical test for it came back negative, and I was shown to have no Ebola virus in my bloo

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5

out of 5

Caring

My pet had to have surgery for a growth in his thigh. My claim was processed quickly and what a great company. They followed up with a personal inquiry asking how my pet was doing. Great Company Great Employees.
  • INSURER: Healthy Paws
  • POSTED: 08/22/2014
  • BY: Dee
  • BREED: Labrador Retriever
  • AGE OF PET: 7 - 10

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5

out of 5

Trupanion Paid $30,867 in less than a year

Hello, I just read through some of the reviews for Trupanion and I can't believe anyone would have anything but great things to say about this company. My experience has been 100% positive. I read a couple of the negative reviews that Trupanion didn't pay for hardly anything. What I tell people is, don't wait until your pet has a condition. Get the insurance just in cast. When I share my story I am amazed when people say I will wait until my pet is older. Big mistake, it's a gamble because animals get sick when they are young also. I just got lucky because I signed up when my dog was completely healthy with no health issues and he was older. I was in Pet Food Express in Mill Valley, CA and one of the staff recommended pet insurance for my 10 year old Doberman. Hugh was in excellent health and I could not for see him ever having any health issues however, I wanted to make sure if he did I could give him the very best care without worrying about the cost of care. If you are looking for pet insurance I can't say enough great things about Trupanion. Trupanion reimbursed $30,867 in less than a year for my 12 year old Doberman Hugh. My deductible was $500 and they paid 90% after the deductible with no limit. The service is also amazing. Each time I called, I have had a very friendly healthful representative. The company is made up of animal lovers. I signed up with Trupanion on July 10th, 2012. Hugh was diagnosed with an Osteosarcoma (bone cancer in his back leg) August 12th, 2013. I scheduled surgery with an orthopedic surgeon in San Francisco. They amputated his leg August 14th. Trupanion called right after the surgery to ask, how's Hugh doing? Not once was the amount of his care brought up. They were genuinely concerned about how he was doing. The bills for the week of surgery were over $9000 and then they continued because I had to act fast because they gave him less than 6 months to live if I did not do chemo. Even though Trupanion would pay for chemo which is very expensive, I did not want to go this route for treatment. I choose to treat Hugh holistically and Trupanion paid for all the holistic care and supplements that the vet prescribed. After a few weeks of recovery I put him into rehab. Hydro therapy, Acupuncture and Chiropractic. Trupanion paid 90% of all his therapy because, I had purchased the additional rider. Hugh had an amazing year but, the cancer finally caught with him July 25th, 2014. Thanks t
  • INSURER: Trupanion
  • POSTED: 08/22/2014
  • BY: Jean
  • BREED: Doberman
  • AGE OF PET: Over 11 years

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5

out of 5

Trupanion Paid $30,867 in less than a year

Hello, I just read through some of the reviews for Trupanion and I can't believe anyone would have anything but great things to say about this company. My experience has been 100% positive. I read a couple of the negative reviews that Trupanion didn't pay for hardly anything. What I tell people is, don't wait until your pet has a condition. Get the insurance just in cast. When I share my story I am amazed when people say I will wait until my pet is older. Big mistake, it's a gamble because animals get sick when they are young also. I just got lucky because I signed up when my dog was completely healthy with no health issues and he was older. I was in Pet Food Express in Mill Valley, CA and one of the staff recommended pet insurance for my 10 year old Doberman. Hugh was in excellent health and I could not for see him ever having any health issues however, I wanted to make sure if he did I could give him the very best care without worrying about the cost of care. If you are looking for pet insurance I can't say enough great things about Trupanion. Trupanion reimbursed $30,867 in less than a year for my 12 year old Doberman Hugh. My deductible was $500 and they paid 90% after the deductible with no limit. The service is also amazing. Each time I called, I have had a very friendly healthful representative. The company is made up of animal lovers. I signed up with Trupanion on July 10th, 2012. Hugh was diagnosed with an Osteosarcoma (bone cancer in his back leg) August 12th, 2013. I scheduled surgery with an orthopedic surgeon in San Francisco. They amputated his leg August 14th. Trupanion called right after the surgery to ask, how's Hugh doing? Not once was the amount of his care brought up. They were genuinely concerned about how he was doing. The bills for the week of surgery were over $9000 and then they continued because I had to act fast because they gave him less than 6 months to live if I did not do chemo. Even though Trupanion would pay for chemo which is very expensive, I did not want to go this route for treatment. I choose to treat Hugh holistically and Trupanion paid for all the holistic care and supplements that the vet prescribed. After a few weeks of recovery I put him into rehab. Hydro therapy, Acupuncture and Chiropractic. Trupanion paid 90% of all his therapy because, I had purchased the additional rider. Hugh had an amazing year but, the cancer finally caught with him July 25th, 2014. Thanks t
  • INSURER: Trupanion Canada
  • POSTED: 08/22/2014
  • BY: Jean
  • BREED: Doberman
  • AGE OF PET: Over 11 years

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5

out of 5

Great fast claim processing in times of need

I couldn't have afforded treatment for my puppy Bagel without healthy paws. I am not working at the moment and my puppy stopped eating and nearly lost 10 lbs in a week. I had to rely on fundraising to get treatment for her and pay for the vet bills. Healthy paws was very helpful and talked me through the worst case scenario of paying for surgery. Luckily it didn't come to that but it was a relief to know that they would do whatever they can to help and arrange direct payment to the clinic.They also processed my claims the same day as they knew I was tight for money and that helped a great deal in getting Bagel better.So glad I got healthy paws insurance!
  • INSURER: Healthy Paws
  • POSTED: 08/22/2014
  • BY: Miri
  • BREED: Dalmatian Mix
  • AGE OF PET: 7 - 10

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5

out of 5

Best pet Insurance company ever!

I have had insurance on my little pom mix since he was a puppy. Never had a clue that he might develop a seizure disorder, but he did. Pet's Best has been wonderful; while you never want to use the insurance, it is great to know that it is there when you need it, AND that the simplicity of submitting forms, responsiveness of the staff and quick turn around time make it a pleasure to work with Pet's Best. We have a new rescue, Harvey, and he is insured as well. We're hoping he stays healthy and that we do not have to use the insurance, but it's great to know it's there if necessary.
  • INSURER: Pets Best
  • POSTED: 08/22/2014
  • BY: Lorie
  • BREED: Pomeranian
  • AGE OF PET: 7 - 10

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1

out of 5

Disappointed

Former 15 year VPI user. Vet recommended Embrace and now I wonder why. Embrace has been problematic with wait periods, need for detailed notes. I am paying nearly 400 on routine care to get $400 reimbursement. Just learned that my Golden's spay will not be covered as i have used her wellness money on vaccines. This is NORMAL for the 1st year of a dog's life. Very disappointed in the slow pace of reimbursement, the loopholes, etc. Spaying a dog is medical/surgical and am shocked to be out nearly 1k. Really wish I had put this pup on VPI. What do vets get for recommending Embrace? We're out asap.
  • INSURER: Embrace
  • POSTED: 08/22/2014
  • BY: Suz
  • BREED: Golden Retriever
  • AGE OF PET: 0 - 3

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5

out of 5

Good Co. Fast pay on claims

fast claims with promt check.
  • INSURER: Healthy Paws
  • POSTED: 08/22/2014
  • BY: Richard
  • BREED: Boston Terrier
  • AGE OF PET: 7 - 10

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5

out of 5

Insurance as it should be

When you are in the midst of an emergency situation, the last thing anyone wants to contend with is bureaucracy! Two days before vacation, my Labradoodle chewed a pack of sugarless gum at some point during the night, and I raced her to the emergency room for xylitol poisoning. The best news is that she was treated just in time. The second best news is that the claims process with Healthy Paws couldn't have been easier or more straightforward. They quickly acknowledged multiple claims, and promptly mailed me a check. It is comforting to know that in an emergency, potentially costly situation, Healthy Paws delivers as promised!
  • INSURER: Healthy Paws
  • POSTED: 08/22/2014
  • BY: Christine
  • BREED: Labradoodle
  • AGE OF PET: 7 - 10

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