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.
out of 10
We were startled to see that our PetPlan policy for our dog Tessa had increased over 11 years from $113.69/month; $341.08/quarterly; or $1,364.32 this last year, to $336.75/month; $1010.25/qtr; $4041/annually this year effective July 1st, 2021. Her policy renewal has increased 196% since last year.
We signed up with PetPlan in 2010 because they did not cancel policies based on age of dog and guaranteed that there would be no premium increases past 11 years of age. Tessa was a year old in 2010, and turns 12 in July.
In an email exchange with Ken Roberts from PetPlan in 2010, when we were evaluating insurance companies to ensure Tessa, we asked Ken “How much do premiums increase annually?”
Ken Roberts, 1-866-467-3875, x2415 responded: "Inflation and by age of animal. Increases are 6 - 8% every year between ages 3 and 11. typically $2 - $3 / month. no more increases after 11 years old.”
PetPlan changed underwriters in 2017 unbeknownst to us until yesterday but did not notify customers of their change in contract nor did they offer any remedy to customers who signed up with PetPlan before 2017 and were promised reasonable policy prices after age 11. We are probably going to file a complaint with the Insurance Commissioner for Washington State, as well as the Better Business Bureau unless you have some suggestions for how to get PetPlan to comply with their agreements. I would rather not rate PetPlan until this is resolved. If they provide a remedy, then the rating will be high. If not, then we will certainly share our concerns on social media.
We originally acquired pet insurance for our dog thinking that we wanted to protect him from the general and acute health issues that might arise for a dog like a broken limb or ingesting something he shouldn't have.
As it turned out, our dog has some complicated chronic bowel and internal organ interactions which have been challenging and time consuming to properly diagnose and treat. Trupanion has been so supportive and easy to deal with on so many occasions and even during those late night hospital visits on weekends that inevitably arise. It has been a long journey but one where we could focus on loving our dog and not having to stress about financial decisions for his health. We now have a young daughter who loves and adores him and its so amazing to watch them interact and had it not been for the support from Trupanion, our little guy might not have been here to meet her!
We've recommended Trupanion to so many of our friends and family and we've heard nothing but great things from all of them.
We have used 24Petwatch over the years for multiple pets! They are not the most inexpensive option, but they cover more treatments than any other insurance company. We use an integrative veterinarian, who practices both traditional and holistic approaches, and 24 PetWatch covers it all! The customer service reps are knowledge and patient. It is so easy to submit claims and they respond extremely quickly. Too bad human insurance companies don't work as well!! I wouldn't use any other pet insurance company!!
6/11/21 This will be an ongoing review as I am in the process of filing a claim.
6/11/21 This rating is currently based on my limited experience with SPOT. I have not yet filed a claim. I am basing this review off off the registration and payment process as well as excellent customer service (which includes real people answering the phones). I am getting ready to go through the claims process and will change this review accordingly if necessary. I pledge to be fair with my expectations and expect that I will be treated fairly according to the terms of the contract (which I read forward and backward before enrolling) but can be very open ended when it comes to diagnosing pets with pre-existing conditions or preventative testing v/s necessary testing as you can see by previous reviews. I truly hope all goes well and I'm able to leave this 5 start rating where it is. I'll update soon.
Most of us have horror stories dealing with Insurance companies. Trupanion are there for you in your most stressful time when your pet needs you to help him. Trupanion are the model by which all insurance companies should be measured.
We have had Healthy Paws Insurance for a couple of years for my now 10 year old Heeler-Shephard mix, Osa. I consider it one of the best decisions we made. The ease and simplicity of filing claims and the speed at which the reimbursement check arrives is a blessing. Customer service has been kind, timely, responsive and personal. Osa just had ACL surgery to the tune of 8k. Knowing that Healthy Paws would be covering 80% of that bill made the whole process smoother. We could concentrate on our sweet dog and her needs and not worry about the bill. I would highly recommend this insurance company to anyone looking to insure their pet. Truly my pet has better health insurance than I do!
I have full coverage for wellness and unexpected accidents. So far I have put in two claims for my new puppy. I was reimbursed online very quickly. You get what you pay for, I pay hundred dollars a month but I get everything covered at 90% with a $100 deductible. Just beware, every year they can raise your monthly premium. We will see how that goes.
I’m a first time cat momma and I have peace of mind knowing that I got the insurance that my cat needs.
One of my favorite features was Pumpkin breaking down it’s different price points, they summarize what’s not and not included and best of all, they give you a comparison to other pet insurance companies which made it much easier to figure things out. Pumpkin is great at reimbursing right away and Mia Lua loved her new toy that was gifted. Thank you Pumpkin!!!
After lots of research I decided to purchase Pumpkin Pet Insurance for my new puppy…
So far I've had a great experience. I've submitted 2 preventative claims which were processed and paid out to me very quickly. They also do cover your puppies first vet visit even if the visit was prior to you purchasing the coverage just as Pumpkin advertises. I'm very happy with my decision.