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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.

 
5

out of 5

6+ Years with Healthy Paws and Very Pleased!

I have had Healthy Paws for my pets for close to 7 years now. We have a $500 deductible and 90% reimbursement rate. In 2020, my long haired dachshund landed herself in the ER when her gums turned blue and she collapsed. The vet bill turned out to be somewhere around $3,500. HP reimbursed to the levels I stated above and I could not have been happier. As they tried to figure out what caused my dog to collapse, they wanted to order more tests, and I gladly said yes knowing I had such great coverage for her. Next up, my cat developed heart disease at the relatively young age of 2 and had to get regular cardio exams and medications. HP was great here too, as we hit our $500 deductible each year and then I’d receive reimbursements for the services my cat needed that went above this cost. In September 2023, my other dachshund became paralyzed and had to undergo emergency spinal surgery for IVDD. This is the main reason I got pet insurance in the first place. Since then, my dog recovered well, and then herniated another disc, had surgery again, and HP reimbursed to our levels BOTH times. The surgeries were pretty much life saving for my dog, as the chances of her walking again without either surgery was extremely low. In my policy, HP does not cover wellness exams or specialty vet exams, and the cost has increased somewhat every year. Even with these two points, I am still confident in my choice and repeatedly pleased with the service we have from HP Paws. I’m so SO thankful that I can continue to provide the best medical care to my pets knowing that I have a policy with this company. Thank you Healthy Paws.
  • INSURER: Healthy Paws
  • POSTED: 05/04/2024
  • BY: Caroline
  • BREED: Dachshund miniature - smooth coat
  • AGE OF PET: 4 - 6

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1

out of 5

Awful practice

Awful! Justin Daughtry's negligence directly caused my cat to develop diabetic ketoacidosis. My cat also obtained a skin injury while in SOTH direct care due to Melissa's lack of compassionate care. Now they refuse to answer my questions in email and demand I talk with them on the phone because they refuse to admit that they made any mistakes. These people are rude, unprofessional, narcissistic, and only care about taking your money. My cat almost died because of State of the heart's incompetence!
  • INSURER: Lemonade
  • VETERINARIAN: Justin Daughtry at State of the Heart
  • POSTED: 05/04/2024
  • BY: Kristina
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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5

out of 5

Healthy Paws is hands down the best

My dog had a GI obstruction that required emergency surgery. The estimate ranged from $5K to $8K and seeing those numbers was daunting, but I had trust that Healthy Paws would come through for us as I have been a customer of theirs for over 10 years now. As expected, Healthy Paws covered everything I thought they would (80% per my policy) and got the reimbursement to my bank account within a week. I am incredibly grateful to the Healthy Paws team for truly being there for me and my dog and drastically reducing the stress involved in an already emotionally trying time.
  • INSURER: Healthy Paws
  • VETERINARIAN: Harmony Veterinary Clinic
  • POSTED: 05/03/2024
  • BY: Michele
  • BREED: Labrador Retriever (Black)
  • AGE OF PET: 0 - 3

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1

out of 5

Manypets honest review

**Review of Manypets Pet Insurance** Rating: ★☆☆☆☆ I have been a customer of Manypets for the duration of my pet's wellness policy & accident policy, which I purchased with the hope of mitigating the costs of my dog’s health needs. Unfortunately, my experience with Manypets has been overwhelmingly negative, prompting me to advise potential customers to consider other insurance providers. Throughout my policy term, I did not make any claims until it was nearing expiration. I diligently gathered receipts from veterinary visits and supplements, submitting them before my policy expired. Despite my efforts, my claim was denied. When I contacted customer service for clarification, I was informed that the submission was rejected due to a 180-day filing rule, buried in the fine print of the policy terms. The lack of transparency regarding claim submission deadlines is a critical failure on the part of Manypets. Such important stipulations should be made clear at the outset, not hidden away, which feels deceptive and undermines trust. Furthermore, when I attempted to address this issue and cancel my service, I encountered unhelpful customer service with no access to a supervisor and an inability to immediately cancel my account. In conclusion, I have paid thousands of dollars in premiums without any return, faced with what appears to be deliberate inconvenience designed to discourage payouts. Based on my experience, I strongly recommend choosing a more transparent and customer-friendly pet insurance company. Manypets has not only lost my trust but also my business.Mimi canceled my policy today and they are refusing to refund my money when. The policy does not renew until May 5, 2024. I think I may need to contact the Better Business Bureau.
  • INSURER: ManyPets
  • VETERINARIAN: San Tan Animal Hospital
  • POSTED: 05/02/2024
  • BY: Mandy
  • BREED: Japanese Chin
  • AGE OF PET: 0 - 3

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5

out of 5

Maybe I got lucky....

I was reading some of the previous reviews and was a little stunned to see how bad they were. I bought pet insurance for my dogs and was delighted to discover that they have a family plan at MetLife which is cheaper and it enables me to get unlimited coverage. We're always hoping we don't need insurance but I did. I had a $6,200 bill for Max and I thought this is going to take a while because it's a new insurance company for us they're going to have to get all of his old records review everything.. I was prepared to wait while my credit cards gained interest. Much to my astonishment my claim was paid today just one week later after the incident and probably 6 days after filing. I didn't have to fight with anyone they covered everything they said they would and the payment was in my bank account less than an hour after I chose my method of payment. I'm so very pleased but I'm a little scared because of all the bad reviews I've read. At this point though I can only recommend MetLife, they have done a really good job for us
  • INSURER: MetLife
  • VETERINARIAN: Northstar vets
  • POSTED: 05/02/2024
  • BY: Rhonda
  • BREED: Mixed Breed Medium (20lb - 70lb)
  • AGE OF PET: 7 - 10

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5

out of 5

Thankful to have insurance during pet diagnosis

I was directed by our regular vet to a 24hr vet hospital that had digital x-rays available to help diagnose cats trouble with breathing. Because I had insurance I feel we were able to not be worried about going for further testing due to any financial costs. It really felt like we could do the best for our pet, keeping the focus on her rather than worrying about the cost of her care. We ended up losing her due to lung cancer, but we had a clear diagnosis and made our decision to let her go without suffering.
  • INSURER: Embrace
  • VETERINARIAN: Hudson Veterinary Clinic
  • POSTED: 05/02/2024
  • BY: D
  • BREED: Balinese
  • AGE OF PET: 4 - 6

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5

out of 5

Processed unbelievably quickly

My girl has been with you guys since she was 3 months old she hurt her self playing and you covered a big chunk of her surgery and it took a little longer than usual but it was completed and reimbursed in about 2 months which was fine this time the wellness claim was processed super quick just within days of you receiving it which was great I have heard negative things about your plan and I have not found that people have to do there due diligence when looking for insurance you guys did go up but not enough for me to change pets bets you guys are great keep up the great work
  • INSURER: Pets Best
  • VETERINARIAN: Palo Pinto vet clinic
  • POSTED: 05/01/2024
  • BY: Denise
  • BREED: Mixed Breed Medium (20lb - 70lb)
  • AGE OF PET: 0 - 3

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5

out of 5

PetsBest is the best!

Mazie, a 5-year Labrador retriever, was diagnosed with Immune Mediated Poly Arthritis (IMPA) 8 months ago. It is hard to determine the cause and the appropriate treatment for IMPA, and unfortunately, Mazie has been an especially difficult case. No trigger for the disease has be determined and we have gone through the 4 main drugs typically used to treat IMPA. PetsBest has covered the multiple tests, medications, procedures, and vet visits. It has been difficult to watch Mazie go from healthy and active one day to lame and in pain the next. PetsBest has allowed us to get her the best treatment and has eliminated much of the financial stress. We are so glad we have PetsBest insurance and hope to get Mazie back to good health soon.
  • INSURER: Pets Best
  • POSTED: 05/01/2024
  • BY: Linda
  • BREED: Labrador Retriever (Black)
  • AGE OF PET: 4 - 6

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5

out of 5

Super duper easy and fast

A friend recommended ASPCA and I’m so grateful I went with them. Claims are super easy to process, and it’s amazing to not have to worry that one accident could be a horribly big decision.
  • INSURER: ASPCA
  • POSTED: 05/01/2024
  • BY: Amy
  • BREED: Mixed Breed Small (Up to 22lb)
  • AGE OF PET: 0 - 3

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1

out of 5

The Worst Service I Have EVER RECEIVED - Total Waste of Time and $

I purchased MetLife Pet insurance for my 2 dogs in February. I pay about $200-ish monthly for the policies. My large dog had an acute injury by hurting her leg in the yard when sneaking out of my fence, ultimately tearing her CCL. For a month and a half they have refused to reimburse my claim. My vet recommended that I purchase a brace for $900 instead of opting for a $6,000 surgery. So I followed her instructions and purchased the custom brace for my dog's leg, then submitted the vet visit, vet recommendation letter and itemized receipt. I've spent 10+ hours on the phone with agents waiting forever, and calling my vet. MetLife at first denied the claim saying that CCL injuries are normal wear and tear on a dog with age. The Vet has proof this was an acute injury. MetLife called the vet one time to try to get proof. When they didn't get through after one attempt, they never tried calling again for weeks and nothing was done. Over a month later I'm still on the phone. I provided a second itemized receipt as requested as well. They still won't process my claim or call me back or respond to emails. I want to be reimbursed for my claim and for the money I have spent on the policies since February. I don't want to deal with MetLife anymore. The call agents at MetLife have been incredibly unhelpful. They refused to call claims to escalate the issue and said I had to wait another 5+ days for them to email her. I called this morning to talk to her...waited 40 minutes and they wouldn't pass me over to her. They said she was on a call, but then wouldn't allow me to wait for her to get off. She just didn't want to deal with an upset customer. I will NEVER purchase pet insurance from this company again. Screwed me out of $600 and won't reimburse my claims.
  • INSURER: MetLife
  • POSTED: 04/30/2024
  • BY: Casey
  • BREED: Pit Bull
  • AGE OF PET: 7 - 10

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