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
Don't have a pet without this coverage!
We had to put down a 7 year old miniature poodle a couple of years ago, when she pancreatitis and diabetes with multiorgan involvement, because we didn't have the funds necessary past an over night ICU stay of over $2000.00. She was SO sick and didn't recognize us. It was a heartbreaking situation worsened by the fact that I could not afford the required treatment for her. I swore that day that I'd never let money be the deciding factor with a pet again. A year later when we got our current toy poodle, I immediately purchased medical coverage for her with Trupanion. I'd done my research ahead of time. So glad I did because she had vomiting and diarrhea out of the blue after she'd been with us for 1 1/2 years. Again, we went to a vet hospital, had special tests, etc.. Memories flooded back in and prayers were answered when Trupanion paid 90% minus a $200 deductible for that bill of $2700.00. They even reimbursed for the prescribed food she needed. Sadly, we've had to follow up with an internist and have an endoscopy with biopsies performed. While we wait for results, Trupanion has already reimbursed $1300.00! My cost for the procedure, tests including x-rays, & the specialist was only $158.00! Their customer support is excellent, so caring, and give clear answers. You can't get quicker service! To some, a monthly premium may seem costly, but for me, compared to the monetary and emotional cost of loosing a beloved pet, it is a God send. I will continue to use Trupanion and recommend it to everyone I know who cares for their pets. I can not say thank you enough!
Doesn't cover examination fees related to illness/injury
Watch out! Trupanion does not cover examination fees related to illness/injury. It's not just excluded for wellness/preventative care visits. Those fees can add up if you have to take your pet in to be seen more than once for the same health problem.
After paying into a plan for years, our cat needed a tooth removed - our first claim. We tried getting a hold of someone for weeks to make sure the procedure would be covered and no one got back to us and we couldn't wait any longer because our cat was in pain so we proceeded. We tried to submit the claim AND THEY DON'T COVER DENTAL!?!?!?!? I'm blown away. This was not clearly communicated to us when we purchased coverage and would have never purchased coverage if we knew this. So shady. What kind of health insurance doesn't cover dental? 0/10, do not recommend. Will be canceling our policy. So disappointing.
I don't know what I would have done without them. I signed up for healthy paws a few days after I picked up my perfect little pup, he's now 5 years old. This year has been a doozy!! He tore his ACL on the left side in June, the surgery was 5k, he then needed physical therapy, and right when we were clear to get back to normal activity he tore the other side, only 3 months later! This side was 6k because they also found a mass they needed to remove. Over 12k in vet bills in 3 months, and more to come with therapy. Healthy paws saved his quality of life! We simply submit the bills via thier app and within a few days have our 90% refund. They even emailed personally to check in on him after the fact. We do not know what we would do without Healthy Paws, I recommend them to all my friend and anyone I meet with a new puppy.
Everyone we've interacted with at Healthy Paws was so nice and caring, and even followed up to check on our cat after he got out of the hospital. The site is easy to navigate and everything is intuitive, so it was quick and easy to file our claim. They were quick to respond with any questions from us and communicated everything clearly.
As a pet owner that paid for Healthy Paws Pet Insurance for over 3 years, I had my first chance to use it when two of my healthy 3 year old cats landed in the emergency room with a severe upper respiratory virus, at the same time. Five days in the hospital and many thousands of dollars later, I sent in the medical documents and bills to Healthy Paws wondering what kind of response I would receive. Not only were they quick in responding, they answered the phone, called me back and even called the Vet directly to request the necessary backup documents. The checks arrived quickly - before the credit card bills themselves - and were simple to read and tie back to the bills. But most unforgettable were the conversations I had with various employees when I called with questions. Each person was clearly an animal lover, going above and beyond to ensure my focus could remain on my pets and not on insurance red tape. I highly recommend Healthy Paws.
Healthy paws gives you so many options to choose from. Their customer survice is very friendly and understanding. I had to take my dog Peach to a hospital for tummy issues. The cost was over $900. Healthy Paws reimburst me 90% within days. You just can't do better than that.
My dog who is covered by a Healthy Paws policy was diagnosed with a nasal tumor recently. Healthy Paws has covered everything per the policy, sending checks quickly. It has given me the rare luxury of making her health care decisions based solely on what will be best for her, with no major concern about my financial situation. I have tight finances, can afford the deductible and copay, and am very happy I made the decision when she joined the family to insure her. So many people say, "just put the money aside that you would pay for insurance." I know that I would never do that, or if I did, would dip into it for say, an unexpected automobile or home repairs. But also, my father told me that you should insure against disasters. My previous experience with canine disasters is that it would take longer than a dog lives to cover the cost of one with the amount I have paid in premiums. For a previous pet, who was not insured, I took out two loans and in the end had the loans but no dog.
This is a dire diagnosis, but I can make good decisions and enjoy the time we have together.
I invested in pet insurance with Healthy Paws when I adopted Barry. We used the insurance once early on and were then fortunate enough not to need to file a claim for years. This past year I found a small lump on Barry and it turned out to be cancer. Barry had a number of tests followed by surgery. My focus was on taking care of him so it was a GREAT relief that filing a claim and getting reimbursed was both FAST and EASY! I could not have been happier with the service and coverage provided by Healthy Paws! I would highly recommend them if you want to invest in your pets long-term health and well-being!