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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.

1

out of 10

I wouldn’t recommend this pet insurance to no one

Insurance didn’t really cover anything!
  • INSURER: Pets Best
  • POSTED: 07/16/2021
  • BY:
  • BREED: American Pit Bull
  • AGE OF PET: 1 - 8

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4

out of 10

Slow to process, slow to pay, don't investigate fully.

They denied my first claim out of hand, without paying attention to what the claim is actually for - which is a completely new condition, contrary to the preexisting condition they assumed the claim was for. I'm now filing an appeal for this claim. They took 6 weeks to pay on a Wellness claim for a $30 medication, after initially being unable to locate where the payment had gone to. Super slow in processing and paying out Wellness medication claims, despite advertising on their site that they "strive to make their claims process fast and easy" and you will "get cash back, fast". The 8 stars are for the very nice and helpful customer service people on the phone - at least they've got THAT going for them. I'm shopping around for another company right now. I wouldn't recommend them.
  • INSURER: Pets Best
  • POSTED: 07/16/2021
  • BY:
  • BREED: Australian Shepherd Mix
  • AGE OF PET: Over 8 years

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2

out of 10

Will claim to reach out to your vet for records (and don't) and then deny your claim

Pets Best has denied multiple claims of mine with a note that says they reached out to my vet "numerous times" and could not get the information they needed. After a quick call with my vet, I learned that they did not have a record of Pets Best ever reaching out and they immediately sent the info I needed for my claims. At this point, customer service has told me that they will reopen my claims, but I haven't heard anything for weeks. They seem to look for any excuse to deny a claim for covered issues. I highly recommend that you look elsewhere.
  • INSURER: Pets Best
  • POSTED: 07/16/2021
  • BY:
  • BREED: Labrador Retriever (Yellow)
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Best pet insurance EVER!

We have 5 miniature dachshunds who are all insured through Healthy Paws. I have had to file a few claims in the past 2 years and it has always been a seamless process, quick and easy. I’m writing this review now because Healthy Paws has went above and beyond with helping us through the process as one of our dachshunds had IVDD, which required surgery and then unfortunately had a GI blockage requiring emergency surgery 2 weeks later. Customer service was fabulous with communicating, collecting the medical records from the different surgeons, specialists, etc. I was elated to find out our policy covered acupuncture as well because it is highly recommended during the recovery period. I cannot say enough how grateful I am to have found Healthy Paws as they definitely helped lighten the financial burden and made it easy! An account manager even reached out to us to check on Woodstock after his surgeries, which made me feel like they truly care about their clients.
  • INSURER: Healthy Paws
  • POSTED: 07/16/2021
  • BY:
  • BREED: Dachshund miniature - smooth coat
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Providing the best care, with ease of mind.

My 12.5 year old dog, Ani, has been on pet insurance since she was 6 months old. To say we have had a lot of medical needs over the last 12 years would be an understatement. Our current policy is with 24 Hour Pet Watch which was actually transferred to them when they bought our previous pet insurance company. Due to pre-existing conditions, we stayed with 24 Hour Pet Watch. The policy has increased in cost each year and we now pay around $165 a month, but as noted before we are unable to switch due to those pre-existing conditions. While the costs have gone up, the one thing that has been consistent is my ability to make the best medical decisions for Ani with peace of mind that she is covered by this policy. We recently had a big scare with a single plasma cell tumor which was removed back in April. The claim was processed quickly and paid per our policy. The second tumor was discovered and removed in June and the vet recommended that we see an oncologist to screen for myeloma. Just the screening process and the office visit for the specialist was an extremely high cost estimated at over $1,300. I was able to immediately make the appointment and get Ani the specialist care she needed. Her results were some spleen nodules which were biopsied and came back benign, thank goodness! The policy I have with 24 Hour Pet Watch covered this diagnostic care, and while I still would have made the decision to provide her with the best veterinary medicine has to offer - this coverage gave me some financial peace of mind. As always with the claims process, I submitted all documents and the claim was paid quickly (within a week on this particular claim). Both of my other dogs have policies with 24 Hour Pet Watch around $75/$90 a month and we have made maybe 1 claim on each in the last 8 years - but regardless of the cost, knowing that I can always choose to give them the absolute best medical care is priceless.
  • INSURER: 24PetWatch
  • POSTED: 07/16/2021
  • BY:
  • BREED: Mixed Breed Medium (20-70 Lbs)
  • AGE OF PET: Over 8 years

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10

out of 10

PetInsuranceReview recommened

Counter Surfing Covered

I had no idea that counter surfing qualified as a behavioral issue, SPOT reimbursed me $500 for my dog's training! They also reimbursed me $2000 when my poor Lou ate tin foil out of the trash and had to get it removed by a vet. This is by far the best pet insurance on the market, I highly recommend everyone get SPOT!
  • INSURER: Spot
  • POSTED: 01/10/2022
  • BY:
  • BREED: Mixed Breed Large (70–90 Lbs)
  • AGE OF PET: 1 - 8

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10

out of 10

Verified Reviews

PetInsuranceReview recommened

Thank God For Trupanion

I felt we humans have health insurance my pet should too. Well thank hod I did 2 yrs ago. My dog needed surgery recently and thank his I has this wonderful company to help pay the big bill. I only had to pay 10 %. You never know when you will need it but rest ashore, this is the way to go. Thank you Trupanion!!!
  • INSURER: Trupanion US
  • POSTED: 07/14/2021
  • BY:
  • BREED: Mixed Breed Toy (up to 10 Lbs)
  • AGE OF PET: Over 8 years

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10

out of 10

PetInsuranceReview recommened

Satisfied Long Term Customer

We have been a Healthy Paws client for 10 plus years now and will remain with Healthy Paws as long as we have dogs in our lives. Healthy Paws is easy to work with, very responsive, and cover pretty much everything outside of normal wellness exams. We tried other pet insurers before settling on Healthy Paws and the difference in service levels is significant.
  • INSURER: Healthy Paws
  • POSTED: 07/14/2021
  • BY:
  • BREED: Labrador Retriever Mix
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Healthy Paws is a MUST for Pet Owners

Healthy Paws has been a lifesaver for our family, I wouldn’t own a pet without it. I recently had to take my dog in for Emergency Care for ingesting ibuprofen, and she needed a 3 day stay including medication for her after care. Not having to question how to pay for the care she needed was huge. It was so easy to upload the invoice to start a claim through the app, and it was processed within 2 days, with constant communication. The customer care team even followed up to see how she was doing. I highly recommend Healthy Paws for their ease of use, care, and quick processing and reimbursement.
  • INSURER: Healthy Paws
  • POSTED: 07/14/2021
  • BY:
  • BREED: Pug
  • AGE OF PET: Under a year

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9

out of 10

PetInsuranceReview recommened

Hassle free

We just had a major surgery done on our dog. The vet was relieved to know it was Trupanion, I think, because they knew it would be hassle free. Trupanion preauthorized the surgery within hours of request, and paid 90% of the vet bill while I was paying the 10%. Vet was paid in full before I left the clinic. The negative of Trupanion is that apparently premiums depend on your postal code, which is biased. Having said that, I believe the premiums were reasonable in the early years, but escalate a lot past 5 years old. The escalation may cause people to cancel just when they need it most, as the pet ages, and the cost is sunk. That's insurance for you.
  • INSURER: Trupanion Canada
  • POSTED: 07/14/2021
  • BY:
  • BREED: Mixed Breed Large (70–90 Lbs)
  • AGE OF PET: 1 - 8

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