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Pet parents across the U.S. and Canada have left over 215,717 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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Totally stunned at the quality of service
For the first time I purchased a health policy for a dog. With vet prices rising I just thought it may be a good idea. My dog developed allergies and so I put in a claim expecting an argument. Nope, I got fast, efficient service and a helpful and cheerful customer service person who was amazing. Great job! So glad I chose Trupanion!
Insurer: Trupanion Canada
By: Gail
Totally stunned at the quality of service
For the first time I purchased a health policy for a dog. With vet prices rising I just thought it may be a good idea. My dog developed allergies and so I put in a claim expecting an argument. Nope, I got fast, efficient service and a helpful and cheerful customer service person who was amazing. Great job! So glad I chose Trupanion!
Insurer: Trupanion
By: Gail
Continuous rate increase now 400% of original rate
The pros:* never denied a valid claim * pay very quickly The Cons: * rates are not stable as advertised. There have been multiple threads on line regarding their consistent rate increases based on statements without proof. i.e. animals are living longer and therefore it costs them more to maintain. Our first increase was from $50 to $125- we had never made a claim and were on automatic payment from our CC so never late with a monthly payment. We have received annual increases at exactly 20%- their published maximum. Unfortunately once a claim is made your ability to change carriers is very difficult. Any insurance company you got to will call every previous vet visit a pre-existinting condition and either deny coverage, impose sharp limits on their coverage or charge an even higher rate. For example your pet throws up- vet determines they have a gastric infection- now that could mean limits or no coverage on anything to do with the illness/infection from the mouth to the bum. My only complaint regarding Trupanion is that their advertisement of your rates will never change are very misleading. They cover what they say they will and they reimburse you very quickly just make sure you are able to budget for 20% increases every year for the life of your pet- that means your rates will double in 4 years, triple in 6, and by age ten you could be paying 619% more. My rates will be over $400/mo (just about $5000/yr) in the next 4 years- that is a long way from $50 a month!
Insurer: Trupanion Canada
By: John
Continuous rate increase now 400% of original rate
The pros:* never denied a valid claim * pay very quickly The Cons: * rates are not stable as advertised. There have been multiple threads on line regarding their consistent rate increases based on statements without proof. i.e. animals are living longer and therefore it costs them more to maintain. Our first increase was from $50 to $125- we had never made a claim and were on automatic payment from our CC so never late with a monthly payment. We have received annual increases at exactly 20%- their published maximum. Unfortunately once a claim is made your ability to change carriers is very difficult. Any insurance company you got to will call every previous vet visit a pre-existinting condition and either deny coverage, impose sharp limits on their coverage or charge an even higher rate. For example your pet throws up- vet determines they have a gastric infection- now that could mean limits or no coverage on anything to do with the illness/infection from the mouth to the bum. My only complaint regarding Trupanion is that their advertisement of your rates will never change are very misleading. They cover what they say they will and they reimburse you very quickly just make sure you are able to budget for 20% increases every year for the life of your pet- that means your rates will double in 4 years, triple in 6, and by age ten you could be paying 619% more. My rates will be over $400/mo (just about $5000/yr) in the next 4 years- that is a long way from $50 a month!
Insurer: Trupanion
By: John
Excellent service gives peace of mind
This company is awesome. I did a lot of research before I bought pet insurance and chose Healthy Paws due to the reviews. I finally had to submit a large claim for my cat who had to be hospitalized over Xmas Eve due to eating some bad wheat grass. They covered exactly what the policy said. I submitted the cat's history on New Year's Eve (Thursday) and the claim was approved that day. I had a check in hand by Monday. It was truly amazing. They also made sure to follow up on my cat with a very warm, sweet email which sounds goofy but really made my day with such a personal touch. Healthy Paws really gives me peace of mind for my cat's care. Outstanding!
Insurer: Healthy Paws
By: Michelle
Total scam
I've got their insurance plan Secure 3 on May/2015 and took my dog for a physical examination as they ask. Last month, my dog hurt his leg and needed to see a vet. What was my surprise when my claim was held at Persecure due to absence of my dog's medical history...they will keep asking you for more and more exams and physical examinations that YOU should pay in order to accept your claims. I am extremely disappointed with the dishonesty and fraudulent behaviour shown by this company. Just save your money and do not get anything from they.
Insurer: Petsecure
By: Pedro
Even better the second time around!
When our Bernese Mountain Dog Heidi was just 8 months old, she tore her Cruciate Ligament. Thankfully, we had recently started out Embrace 2 month free trial, and Heidi had just passed her orthopedic exam with flying colors! That customer service staff was so helpful when it came to filing the claim, and I was pleasantly surprised with how quickly I got reimbursed. Heidi tore her knee on a Wednesday, had surgery on Monday, and I received a reimbursement check in the mail the following Monday! One thing that everyone asked was "is her other knee covered!?" Once the first Cruiciate Ligament is torn, it is very likely that the other will eventually tear. I was pleased to tell everyone that, in fact, since she was covered before she hurt her first knee, the second one was covered also! A few weeks ago, the inevitable happened. We went through the same motions, only this time, an embrace team member told me that as long as the office manager at the surgeons office ok'd it, they could direct pay them, instead of reimbursing me! It was so nice to not have to shell out all of that money at once, especially with a new baby and in the middle of a full bathroom remodel! I could not be more pleased with Embrace, and I tell everyone I know about them! If it weren't for them, Heidi would be lame and painful the rest of her life. Thank you!!!
Insurer: Embrace
By: Becky
Exactly the support I would have hoped for...
Our Wheaton Terrier is undergoing a series of kidney procedures due to high kidney values so I opened a claim with Trupanion. The response received was timely and accurate and provided a solid basis for future claims, as required. Thank you!
Insurer: Trupanion Canada
By: David
Exactly the support I would have hoped for...
Our Wheaton Terrier is undergoing a series of kidney procedures due to high kidney values so I opened a claim with Trupanion. The response received was timely and accurate and provided a solid basis for future claims, as required. Thank you!
Insurer: Trupanion
By: David
I trust Trupanion
Trupanion it the ONLY health insurance company I've ever come across, that truly seems to have the interest of it's customers (and their wonderful pets) as their first priority. I was skeptical about the value of pet insurance for years. This is the first online review I've ever written...That says something! P.H. Garrison New York
Insurer: Trupanion Canada
By: P.H.