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
Never had a problem
I have not had a problem filing a claim yet. Easy to do online and always completed within a two week timeframe. Very happy with this company.
Pets Best saved us 2/3 off a huge vet bill when our cat Benny suddenly became very ill. This couldn't have been more helpful during a financially challenging year. Also, I felt more able to have all the tests and procedures Benny needed.
Premium increases aren't fun, but I understand that's part of the pet insurance industry. However, an increase of 25% per month during a pandemic seems exorbitant. Really frustrated because we've never made a claim with them so far *and* they used to be more flexible regarding premium increases. In 2018, they tried to raise our rates by 25% but lowered it when I called and asked them if they could take it down. It's usually only a couple of dollars. Now it's 10+ dollars every year.
The fact that they won't budge on the rate hike when so many people are struggling is really awful IMO. Used to recommend Healthy Paws to every pet owner I met but will no longer do so.
I highly, highly recommend Healthy Paws! My small yorkie has had a luxating patella surgery, a revision surgery, acute pancreatitis, and other issues. Healthy Paws has covered 80% on all of these expenses. Healthy Paws has saved me thousands of dollars! The customer services is always superb. Thank you Healthy Paws for all that out have done for my dog.
I have been paying pet insurance for 10 years now and I would have been better off saving the money monthly in a bank. I recently made 2 claims and both I am having issues with. One was solved today! They did not pay for the vet call out fee (watch out for this as this is not in the exclusion of the policy, only the exam fee is) and I had to dispute this, and after a few phone calls and a visit to the vet, who made a phone call ( why could they have not called the vet), and they decided to reimburse me for the vet call out fee. I have another outstanding claim which I put in for preapproval in September (my dog’s op was in early October) and I am still waiting for a pay out. My claim, they said was denied because they did not have the final invoice from the vet!! Rather than saying, ‘your application is pending until we get the final bill.’ Needless, to say, I am not happy! My biggest regret is not saving the money- have spent about $15000 so far on pet insurance and both my claims were just over 1000$!! And I will be lucky to get half of it back!
Trupanion has proven to offer truly terrible coverage. We pay way too much (about $45 per month) for absolutely no coverage considering they will claim everything and anything pertains to a pre-existing condition. My dog swallowed a tack once when he was a 5 month old puppy, fast forward 1.5 years later and he has not had any recurrent ingestion of foreign material, however, he recently got ill with a violent barking cough. The emergency vet told us to bring him in to rule out gastric volvulus (life-threatening condition). In order to rule out this condition, X-Rays and other diagnostic labs, services were employed. Turned out he had kennel cough and all other tests were negative after a $750 workup. We submitted the claim to TruPanion, knowing we have a $500 deductible per injury/illness, which is also a horrible policy, but regardless were hoping to be reimubrsed at least the $250 after deductible. I was utterly shocked when our claim was denied due to Trupanion claiming this all pertained to a pre-existing condition of our dog as he has a supposed "recurrent pattern of ingestion of foreign material." After speaking with the treating veterinarian, who agrees this is also a ridiculous theory, I am in the process of a lengthy appeal due to Trupanion's inability to handle any claim in a timely manner, in conjunction with their negligence to provide care for an animal on a condition utterly and completely unrelated to ingestion of a foreign material. The treating veterinarian has even said they obtained the imaging to rule out gastric volvulus, with ingestion of foreign material extremely low on the differential diagnosis. Trupanion simply works with all their power to avoid paying any possible reimbursement.
The most frustrating piece of this story is this is not new to us, unfortunately. As a puppy, our dog became very ill with a bizarre aseptic meningitis type of picture. After 3 days in an emergency vet with neurologist specialists weighining in on his diagnosis, he was diagnosed with SRMA (steroid responsive meningitis arteritis) after a nearly 7k workup. He has been completely fine since and has not had any recurrences thank goodness. However, this episode all started on day 28 of our policy with Trupanion. You should know Trupanion has a STRICT 30 day policy where for the first 30 days after enrollment any injury/illness that occurs is considered a pre-existing condition ( funny, because it certainly did not exist when we signed up for our policy). Regardless, all of our claims at that time were denied by Trupanion. Our vet tried to plead for our case but achieved no favorable result either. We ended up maxing out our credit cards and dipping into our savings to cover it because what else would you do with your supposedly dying 4 month old golden retriever puppy. The most frustrating part of that incident was we had HAD coverage for the first month we had our dog with AKC insurance and then switched to Trupanion because we THOUGHT (clearly, wrongly) that it would be better coverage. Thus, we never had a lapse in insurance coverage however Trupanion stated they counted the 30 days starting when we enrolled with them, and excluded the 30 days of our AKC coverage prior. Honestly, I think this company is a business first, and cares very little about your actual pets or their well-being and i would steer clear.
I've had Healthy Paws Insurance for 10 years for our boy, Buddy! I can't say enough about how wonderful it has been to have the peace of mind we will be able to get whatever care is needed for him to be healthy and happy. I have recommended Healthy Paws to my friends with pets, and all are as happy with the company as I am! We are all truly blessed to have this insurance for Buddy!
Trupanion really came thru on my fur baby’s back to back medical issues. I am so thankful I took out Trupanion pet insurance when my Lucy was just a pup. It has been a blessing. We were able to afford the surgeries and care for Lucy because of Trupanion. The claims were easy to file and they processed them very quickly.