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Pet parents across the U.S. and Canada have left over 208,919 verified reviewsโreal stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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Great outcomes!
I have had Pets Best with Accident/Illness and Wellness coverage for 3 years now. Up until Dec 2025, I had only filed Wellness claims which were satisfactorily paid each time. In Dec 2025, my dog suffered a bad back injury that required an ER visit and then to a neurology specialty clinic. After an MRI, no surgery was required, but 1 month strict lockdown. I filed 2 claims right away, and while it took a full month for the claims to be processed, I was paid exactly as expected (90% minus deductible). My dog is recovering well, and I'm grateful to Pets Best for taking good care of our claims.
Insurer: Pets Best
By: Mark W
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Insurer: MetLife
By: customer๐
Consistent communication throughout theโฆ
Consistent communication throughout the whole process. We have been SO impressed.
Insurer: MetLife
By: Bernhard
Was easy to get in touch on the phoneโฆ
Was easy to get in touch on the phone with the representative and have my issue resolved instantly
Insurer: Nationwide
By: Tetyana
Rebecca was so nice to talk to andโฆ
Rebecca was so nice to talk to and explained everything so well.. thank you.
Insurer: Prudent Pet
By: Carla Bloom
Quick and Easy submission
It was so easy to submit the vet's invoice and a very quick payment as well.
Insurer: MetLife
By: Lantieka
Rebecca was excellent in helping meโฆ
Rebecca was excellent in helping me make the right policy decisions
Insurer: Prudent Pet
By: ericlensme.com
I sent in a claim
I sent in claim. I was notified of missing info in atimely manner. I responded and now I am waiting for my approved coverage. My only improvement i can see would be a chat line to be able to ask specific questions. Like for example "is a Rabies shot covered under my plan."
Insurer: Fetch
By: Dawn Miller
very patient anf helpfull
very patient anf helpfull
Insurer: Fetch
By: Patricia Lee
Waiting Periods Left Us With No Coverage When We Needed It Most
We originally took our 7-week-old puppy to the vet for shaking eyes and instability. The night before, my young daughter had accidentally dropped him about 18 inches while taking him outside to go potty. Our initial assumption was a concussion, and the veterinarian agreed at that first visit. I submitted the invoice to Trupanion and was told they were waiting on the doctorโs notes. A week later, we returned to the vet because our puppy had developed a head tilt. The vet believed this was related to a vestibular injury and prescribed prednisone. On our next visit (1/19/26), the vet noticed our puppyโs belly was swollen, which we initially assumed was a side effect of the prednisone. Unfortunately, the vet immediately recognized this as liver failure caused by a congenital portosystemic shunt. Our puppyโs abdomen had filled with nearly three pounds of fluid. The vet explained that we could pursue a specialist, but anesthesia would be extremely risky, and there was no guarantee of a good quality of life. We were faced with the heartbreaking decision to put our 10-week-old puppy down. We filed a claim with Trupanion, and within hours they denied coverage, stating that illnesses are not covered within the first 30โ31 days of the policy. What makes this especially frustrating is that the first three visits were believed by both us and the veterinarian to be accident-related, not illness. Each visit simply showed a progression of symptoms that ultimately revealed a congenital condition. Despite this, all claims were denied. After our puppy had passed, one Trupanion representative finally informed us that we could have taken our puppy for an initial exam that Trupanion approves. Had the vet determined he was healthy at that time, the 30-day illness waiting period might have been waived. This would have been incredibly important information to know before purchasing the policy and paying over $1,200 in vet bills with no assistance. I am writing this with a heavy heart and a great deal of pain. While I understand insurance policies have rules, the lack of clarity around waiting periods and how claims are categorized felt misleading and deeply disappointing during an already devastating experience. I strongly encourage anyone considering pet insurance to do thorough research and ask far more questions than I didโespecially about waiting periods for accidents versus illnesses in puppies. At this time, I would not recommend Trupanion to new puppy owners due to how their 5-day and 30-day waiting periods are applied. I trusted the recommendation from my State Farm agent, but this experience has reinforced how difficult insuranceโboth human and animalโhas become in the U.S. healthcare system.
Insurer: Trupanion
By: Teddy Smith