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Pet parents across the U.S. and Canada have left over 216,084 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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A Veterinarian's Perspective
Last year Trupanion offered 30 day free membership to new customers and encouraged us to offer it to clients. If the client signed up with Trupanion immediately, before diagnostics were completed, the diagnosis would be covered, as it was not pre-existing. This, however was NOT. the case. According to Trupanion, if you take your kitten to the vet because she just started vomiting, then it's a pre-existing condition if she vomited prior to the exam. If your dog was lame at home before you brought him in for lameness....guess what? Yep. Pre-existing because he limped at home. Claims were denied time and again. Do yourself a favor and go with PetPlan or VPI. Unconscionable.
Insurer: Trupanion
By: Carol Shirvinsky
Amazing Service in a Time of Need
Our beloved Golden Retriever, Livvy, began having seizures. Upon taking her to our emergency hospital and having an MRI done we found out she had a brain tumor. Based on where the tumor was located we opted for surgery. Without Trupanion Insurance we would not have been able to give our girl the one opportunity for survival. It is with a heavy heart that we must say she took a turn for the worse and we had to bid her goodbye. However, we feel she had the best care possible and we have peace knowing everything under heaven was done for her. Trupanion paid the claim almost immediately and kept us updated in a timely manner which allowed us to concentrate on the situation at hand. I would highly recommend Trupanion to all pet owners. We never really thought we would need to use their services, however when the unexpected happens it is a true blessing.
Insurer: Trupanion
By: Linda Reed
Love the wellness rider!
I've had other policies before,but none that covered general maintenance. ASPCA helps cover vaccinations, heart worm tests and preventative care. All These can add up. My claim was processed very quickly.
Insurer: ASPCA
By: Laurie
Excellent insurance for the older dog
We didn't realize it, but there are only a few insurers that will insure an older pet, but Pets Best does! They gave us meaningful coverage for illnesses excluding pre existing conditions. The price was very fair, and we didn't know it, but our shelter dog over time developed several illnesses. I actually thought we might run out of health care for our dog. But Pets Best paid up right thru to the end. When I sent the many receipts to them for reimbursement, they were filled very quickly, considering we are in Ct, and they are in Idaho. Whether we get a puppy or another older dog again, it will be with Pets Best, because of how good they were to our Zeus. We are loyal customers!!
Insurer: Pets Best
By: Barbara
Deny Claims Often
They denied multiple claims because they were not titled how ASPCA would have liked them. I paid 150 for a vet visit thinking most of it would be covered. The exam, heartworm, and vaccinations. After the claim came back, their titles were different than my vets titles for the exam, and my vet checked for heartworm, which the company read as giving heartworm mess. Overall terrible unless you have an animal that will never get injured or need to go to the vet
Insurer: ASPCA
By: Sean
Toby's Claims
I have been very busy since Toby came into our home. I finally found the time to submit all of the Wellness claims. The process was simple and quick. I immediately got word that the claims were received and processed. Wonderful company to work with.
Insurer: Embrace
By: Mary
Easy, Helpful and Quick!
Embrace has been extremely easy, helpful and quick with any issues or concerns we may have. We have a fairly high maintenance dog and she's at the vet quite a bit. Embrace issues our refunds very quick and is pleasant to deal with any time we have a question. I would recommend them to anyone who wants a great partner in healthcare for their pets!
Insurer: Embrace
By: Sheena
Embrace is the best!
I have had Embrace for 30 months. I cannot believe how quickly a claim is processed and within days of notification I receive a check. I suggest to all my friends who become puppy or dog owners to invest in insurance for their pet and I always tell them EMBRACE!
Insurer: Embrace
By: Joyce
Healthy Paws is Absolutely the Best!
I've had this insurance for three years now. The claims are always reviewed in a timely manner and I get my reimbursement quickly. I love the way I can customize my deductible and percent covered so as to fit the premium into my budget. I recommend Healthy Paws to every pet owner I meet. Furthermore, they actually seem interested in my dog's health and well being. Absolutely a great company!
Insurer: Healthy Paws
By: Rocky