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
DO NOT use this company!
I purchased additional insurance from my vet that they do not cover because this is not enough. My VET insurance balance remains on my bill and even though my vet bills are paid in full they will not pay my claims until my additional insurance is paid at my VET. The most ridiculous reason not to pay I have ever heard. I am already filing a claim with the scc and the bbb. They are robotic and do not care at all. They have even called and confirmed my vet bills are paid in full and still denied me. When I kept calling them to explain they did not care. I asked them to cancel me and they did without concern at all and no other explanation. Worst customer service ever!
We purchased Healthy Paws coverage for our two dogs several years ago and chose the 90% reimbursement option. So far, our policy has covered X-rays, ultrasounds, bloodwork, a CCL (dog ACL) surgery, multiple lumpectomies, radiation, hospital stays, prescription meds... to the tune of tens of thousands of dollars. Basically, one of our dogs is alive and kicking because we have coverage. We've never had any issues with them refusing to pay a claim or disputing a claim.
Note: If you're shopping for a policy, be sure to check the fine print about injuries. One of the reasons we went with Healthy Paws is that they are one of the few pet insurance companies that will cover injuries in addition to illness (the reasoning of other companies being that injuries are the result of negligence, I guess?). After the CCL surgery for our dog--which most policies out there wouldn't have covered--we're grateful that we did.
The claims process is straightforward--just upload itemized and paid receipts--and claims are usually processed very quickly. It is a reimbursement model, so we use it in combination with a Care Credit account, and we have always been able to pay the card off with the reimbursement before the first payment comes due.
It has most of the usual caveats for pet insurance:
No, they don't cover preexisting conditions. No, they don't cover preventative care or office visits. Yes, your rates will slowly increase over the years. If you are lucky and your pet never has an emergency or a major health issue, you will spend thousands of dollars over their lifetime in insurance payments and wonder why you even bothered. If you are like us, you will thank your lucky stars that you got the policy as you watch the vet bills roll in and realize that the insurance makes it possible for you to treat your pet. In other words: it's insurance.
BUT if you have decided to get pet insurance, Healthy Paws is probably just about the best out there.
My cat Austin has wet FIP. It is a deadly illness with many vet visits, tests and medicines needed to help support his care. 24PetWatch has been responsive and paid the claims without long delays. That is very helpful to us in this difficult time. I have had previous experience with 2 other cats that had extensive vet needs due to illness. Thumbs up across the board to 24PetWatch.
I agree with the posted comments about the lack of customer service. I have tried to call them over the course of 3 weeks, various times of day and days of the week with a recording saying I have either a 15min or 30min wait time----after one hour of waiting still no answer. I have also emailed them and received very delayed responses or none at all. My vet has also voiced the opinion that the contact/communication with this company is very poor.
I don't recommend them at all.
They were great to start. It began 6 years ago at around $60 per month. It raised to $94.07 per month over time. Now I just received a notice that it is raising to $205.05 per month !!!!! My dog is just turning 7 years old so they are trying to make the insurance unaffordable now that the dog will be a bit older in a couple years. I've paid every month for years, now all of the sudden they are trying to starve us out with crazy prices. I'm shocked $60 to $94 to all of the sudden $205 !?!?!? Thieves, beware of this non-sense, this is their game.
We got a Labradoodle puppy and knew we would likely get her insurance. We did research on chose Trupanion for our last dog, and we did again. I am so glad! As technology has evolved, it is easier and easier to file a claim AND get reimbursed quickly! My claims don’t pile up in my “to-do” pile like my own claims. It is so easy from my phone, that I file right away and get reimbursed directly into my account so fast that it leaves me wondering, “Why can’t other businesses do this?!?” Plus, they are genuinely NICE when u have a question or issue and can talk to a human!
I have to say, I hope someone at Trupanion reads this because I just want to say, “Thank you for making just one thing in my life EASY!!!!!”
I rescued a very sweet puppy and luckily signed up for healthy paws the day he came home. This is my first experience with any kind of pet insurance. When he was around 1.5 years old, I noticed some mobility issues and that he was having some pain. We did all the vet visits and he was unfortunately diagnosed with multiple issues including severe hip dysplasia and a luxating patella. He has now had 2 major surgeries (hip replacement and CCL repair/patella) and they were both covered. Both completed before he turned 4! You really never know what kind of health problems your dog may inherit. Healthy paws really makes it easy to get the care needed and it’s a painless process. I am so happy with this insurance and wish I would have had it for all my previous pets. I love knowing that I can get him the ABSOLUTE best care available to us. For reference, his hip replacement alone was over 8k USD. I will always use healthy paws for any pets in the future.