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
Trupanion helped us afford live saving surgeries more than once.
We've had Trupanion help us cover life-saving surgeries two times: once when one cat ate a needle and needed urgent exploratory abdominal surgery and recently when our male cat had a urinary obstruction and needed an unblocking and a P U surgery.
Trupanion offers low, fixed monthly premiums depending on how old your pet is at the time of enrollment.
You never know what is going to happen with an animal's health. Very practically: If you get reliable pet insurance, it makes it much easier to make the decision to get surgery by reducing financial pressure. You don't want to be in a position of looking at your wallet and wondering if you can afford it when your pet's life is in danger.
Trupanion made it easier for me to act to save the creatures I care for.
Trupanion is an insurance company that treats your dog like family, not an asset. As a student, I live on a carefully designed budget that doesn’t allow for expensive dog treatments. That’s why I chose Trupanion. They don’t argue with you over your claims and truly want to help.
Abby was enrolled at 8 weeks, she injured her knee at 6 months. Since then has had xrays, ear infection x2, and knee surgery. I chose no deductible when I signed up for trupanion. Trupanion has made reimbursement so easy, no questions ever asked. No hassle for me ever. I just love them
We initially loved Figo, especially because we insured our cat later in life, and not a lot of pet insurance companies offer decent pet insurance when the pets are older. Figo (or at least our policy) was originally underwritten by Markel. When they were bought out by Independence America (last year or two), they literally tripled our premium at the renewal date, and substantially reduced the benefits and also created a huge spike in our deductible. Plus, the customer service during that transition was very uneducated and not very helpful. Of course, now we can’t switch due to several conditions which would be considered pre-existing to another company.
That alone was very disappointing. But then, they became incredibly focused on scrutinizing each claim to find a reason to not pay it. Any loophole they can find, they leverage it. I have had to appeal two separate claims and even with letters from our veterinarian, indicating why the treatment fell under my policy's terms, they don't budge - or budge very minutely, but not enough to really make a difference. I'm not sure they're even honoring their appeal process, as they're supposed to get an independent veterinarian involved, and I've received no assessments from another vet.
Also, some of the terms make no sense. For example, they don't cover oral surgery, at all - even if it's due to an illness or disease. Our cat has an oral mass that needed to be removed and in order to remove the mass, they had to remove the tooth. Figo decided not to cover the entire surgery because they claim that it was oral surgery to do a tooth extraction. They said they would only cover it, if it was an accident/injury - not an illness. But the main reason that we get pet insurance is to cover illness, diseases, etc. This simply doesn't make sense to me.
And now, they are not paying things that they had paid a few months ago (still same policy year). It's super sad and discouraging to pour so much into premiums and deductibles, only to find them constantly finding loopholes to not pay the claims.
We have Healthy Paws for our other 3 creatures - literally Thank God. HP is the absolute best pet insurance company, and are very generous in their claim reviews and payments, and take their customers at their word, placing a high value on customer care / service. If you're going to invest in pet insurance, skip Figo, for sure. Choose Healthy Paws