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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.

2

out of 10

Verified Reviews

20% rate increase despite no claims

Trupanion increased my rates by >20% after my first year of coverage despite the fact that I never made a claim nor missed a payment. I called to question the increase and they suggested I look elsewhere for coverage if it was too much. So, after just one year, I have to begin researching and comparing coverage AGAIN. And with another year of age, my dog will only be harder to find reasonable coverage for. And Trupanion can only say: "Take it or leave it." I understand small yearly increases, but 20% is absurd, especially after the first year. Am I to expect 20% next year and the following years as well? I'll be paying double within 3 years even if I make no claims. Don't trust that your "competitive" rate will stay anywhere near competitive after the first year. Expect to begin looking for a new insurer all over again.
  • INSURER: Trupanion US
  • POSTED: 05/14/2021
  • BY:
  • BREED: Mixed Breed Medium (20-70 Lbs)
  • AGE OF PET: Over 8 years

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10

out of 10

PetInsuranceReview recommened

This service is GREAT

Petsmart is an excellent source to use. They are knowledgeable, courteous, and above all always willing to help. You can’t go wrong with them.
  • INSURER: 24PetWatch
  • POSTED: 04/29/2021
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

PetInsuranceReview recommened

The claim was easy to submit and we received the check from Healthy Paws in record time! Thank you Healthy Paws!

Boudreaux had to have a toe removed because of an injury and the surgery was pretty pricey. I filed the claim and it was easy to submit and we received the check from Healthy Paws in record time! Thank you Healthy Paws!
  • INSURER: Healthy Paws
  • POSTED: 04/28/2021
  • BY:
  • BREED: Labrador Retriever (Chocolate)
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Such a relief in times of panic

It was a piece of mind that I could upload the emergency vet bill from my phone through the app. Then I see they started processing it immediately and I got an email saying that they are sorry my pup wasn’t feeling well. The check came so quick that I didn’t have to stress over having the money. Totally worth the monthly payment.
  • INSURER: Healthy Paws
  • POSTED: 04/28/2021
  • BY:
  • BREED: Mixed Breed Medium (20-70 Lbs)
  • AGE OF PET: 1 - 8

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1

out of 10

No response

Requested a claim and no response , must be a scam
  • INSURER: Petsecure
  • POSTED: 04/28/2021
  • BY:
  • BREED: Mixed Breed Toy (up to 10 Lbs)
  • AGE OF PET: Under a year

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10

out of 10

Raised rates with no claims

I wish you could have negotiated our policy. Poor business practice on your part. Please do better to retain your customers. 40% increases in policy costs without any claims is outright unacceptable and you should be embarrassed.
  • INSURER: Healthy Paws
  • POSTED: 04/28/2021
  • BY:
  • BREED: Rottweiler
  • AGE OF PET: 1 - 8

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1

out of 10

Discriminatory Evaluation of Pre-Existing Conditions

Although most people have had a good experience with Pets Best insurance, I was financially and emotionally devastated by their lack of communication, support, and compassion for me and my dog. I signed my dog up for Pets Best insurance after a dear friend of mine recommended them to me. My dog was approaching 7.5 years old and had no current health issues, so I thought it best to sign her up before she developed any. My dog presented with lameness during the waiting period, and it was unclear to me and my veterinarian what the cause was. The diagnosis was unclear, but it was suspected to be an injury based on the X-Ray. About three months after the waiting period ended, my dog was diagnosed with osteosarcoma (bone cancer) and was recommended to undergo chemotherapy and an amputation of the diseased limb, which would have given her another year of life as opposed to two months (without treatment). I thought to myself, “thank goodness I purchased pet insurance!” Actually, I have no one to thank and definitely NOT Pets Best. Pets Best settled that the cancer was linked to the lameness that presented a few months prior during the waiting period, so they labeled the cancer as a pre-existing condition, even though my veterinarian records revealed NO EVIDENCE of a cancer diagnosis BEFORE or DURING the policy waiting period. Pets Best even had my veterinarian records to prove that there was no evidence of a pre-existing cancer diagnosis. Therefore, I would have been stuck paying for all medical costs IN FULL. The limb amputation alone would have cost me $1,000-$2,000 and chemotherapy would have been $400 per session. My dog needed at least weekly chemotherapy which meant that I would be paying, out-of-pocket, $1,600 per month, or $19,200 PER YEAR, JUST FOR THE CHEMOTHERAPY. That is half of my net salary! I am a mental health professional working in the non-profit sector, so this is a HUGE burden on my heart and my finances. I had to make the heart-wrenching decision to euthanize my beautiful dog because I could not afford her care. Pets Best discriminated against my dog without full consideration. My dog had a healthy medical record with NO EVIDENCE of pre-existing conditions, and they had the veterinary records to prove it. Based on Pets Best treatment of me and my pet, I don’t believe that Pets Best cares about the well-being of their customers and their pets. It’s clear to me that Pets Best will find any way that they can to NOT pay for your pet’s medical treatments by prejudicially asserting that any presenting accidents/illnesses were due to a pre-existing condition. I have lost trust in Pets Best and will NOT insure with them, ever again, and will NOT recommend them.
  • INSURER: Pets Best
  • POSTED: 05/15/2021
  • BY:
  • BREED: Bullmastiff
  • AGE OF PET: 1 - 8

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10

out of 10

Scam

ASPCA pet insurance is a complete scam, and I hope I can forewarn fellow pet owners. I took my cat to the vet, he was diagnosed with a UTI, and the bill was quite expensive. He had never had a UTI before. This was the first time he had ever been sick, and certainly the first he had ever been diagnosed with anything at all. But because a note from the vet, 5 months ago, mentioned that he was drinking a lot of water, they decided that this was an early symptom of a UTI, and that it was therefore a preexisting condition. Long story short, if your pet has ever been to the vet before, for any reason at all, including for an annual physical, they will pretend that whatever illness they later develop is a preexisting condition and they will not cover one cent. I wish I’d known this before paying hundreds of dollars in monthly premiums.
  • INSURER: ASPCA
  • POSTED: 09/30/2021
  • BY:
  • BREED: Domestic Short Hair
  • AGE OF PET: 1 - 8

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1

out of 10

Don't want to reimburse you, then play stupid when you've already explained yourself/ submitted what they're asking for.

PetSecure continuously insists that I haven't submitted XYZ document(s), and therefore they can't process my claim, despite the fact I have already thoroughly explained that they already have all the documents I have; there are no additional documents, but no, apparently I'm just refusing to submit them. Apparently the explanation that my pet had only been to the vet once before, that we have record of, because the vet is expensive and not something you go rushing to do when you're tight on money, but when we decide to get insurance for him because we can afford it now, suddenly there's a problem... You had no problem taking my money though, isn't that funny. Don't get PetSecure if your cat isn't young and freshly adopted. If you don't have a box of paperwork to tell them what your cat's been doing from birth until now, they'll drag their feet to reimburse you what you're owed while insisting it's YOUR fault because YOU haven't submitted what they need. It seems like their customer service team is paid to be ignorant and act like they can't read, because people will give up and stop fighting if they play dumb enough.
  • INSURER: Petsecure
  • POSTED: 05/05/2021
  • BY:
  • BREED: Domestic Short Hair
  • AGE OF PET: 1 - 8

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1

out of 10

Verified Reviews

Constant claim dodging.

We thought we were purchasing a top-tier insurance product, however, Trupanion has dodged every single claim we've submitted. Every one. The most recent was just insane. Our bully is one year and three months old and had a rash on his groin area. We took him to the vet and the vet said, "we can either do a whole range of scraping and tests, or we can give the dog XYZ medication which will likely clear it up". It did clear it up within days. Great. I paid the bill and submitted it to Trupanion and it was denied. Why? Well when we brought our puppy home from the breeder, he has a very slight ear infection. Our vet felt that being a bulldog, we should nip it in the bud and treat it. So, we gave Oliver XYZ medicine for a few days and it was fine. This claim was denied as well, by the way because he CONTRACTED the ear infection prior to our coverage beginning...ie, at the breeder at 8 weeks old. Trupanion has now declared that my dog had a pre-existing SKIN condition and that his INNER EAR and his GROIN are connected via HIS SKIN. so they won't cover ANYTHING that is connected to his SKIN for the REST OF HIS LIFE. We now have to have our Vet write some sort of document that basically says, "Dear Trupanion, while I have no idea what you are doing, but, the inner ear infection when he was a newborn and the rash on his junk over a year later are in no way connected and thank goodness I have a DVM so I can sort that out". I am so tired of scam companies like this who have beautiful marketing campaigns that lure you into the "we care about your pet" mush and then you are screwed when you try to use the product.
  • INSURER: Trupanion US
  • POSTED: 05/31/2021
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: 1 - 8

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