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
First time holding insurance on any pet
I've never had insurance on any pet before and I've had a lot of pets in my life. I always thought it was for people with lots of money, turned out it's not that expensive and well worth it when the vet visits start up no matter what you gotta go to the vet for regular treatment with every pet. So it pays off. I told everyone who took a sibling to go through the same company as I did.
After veterinary procedures, x-rays, laboratories plus a second visit to Dr. Marzán because of a symptom reccurence Crissy got better. After filing claim Trupanion inmediately asked for Crissy’s health status. They asked us if Claim form was submitted and if there were questions or doubts.
This insurance is wonderful. Joy was diagnosed with chronic heart failure on August 2, 2021. We had never used her insurance before but were certainly glad we had it then. It has been so good about paying. It takes a few weeks after approval but it comes. I recommend this to everyone. If you love your baby get it insurance. It's so worth it.
Trupanion literally saved my dog by $ claims paid directly to the Emergency vets and specialist, I am so grateful - Thanks
I have been with Trupanion over 7 years with my Boston Terrier and filed many small claims successfully. However this month our bills have been over $7,000 so far for thyroid lumps removal through specialist veterinary treatments . The vet’s office filed the claims and were paid directly . Without this insurance I do not know how we could afford these bills especially if a cancer is found. Trupanion is truly a life saver and my dog Georgy and I will be eternally grateful . Thanks to the staff who handled my claims and to this company.
Healthy Paws = best decision we ever made related to our pets care
I will attempt to make a very long winded review as short as possible.
I have had dogs my entire life and for most of that time I was aware of pet insurance but I though it was a bit of a scam, meaning that it really only paid for emergency type problems and that it was not worth the cost.
Fast forward to May 2020 and I get a new puppy and the woman I am dating also has a dog and she tells me about Healthy Paws and how great it is. I get the insurance for my new puppy Ruby.
Healthy paws covers pretty much everything but exams, preventative medication (flea, tick, etc.) and vaccinations…. Everything else is covered.
So now the long part of how much Healthy Paws helped us. All of the ordeal I am about to go into was covered by Healthy Paws except for our deductible which was 20% and any exam fees. We calculated the payments from Healthy Paws to be around $35,000 over the course of this single problem. In early 2021 Ruby started to have on and off vomiting, so we took her to the vet who did x rays and found no real problem, they though it was viral. The vomiting continued on and off a bit more so we took her to another vet for a second opinion. This vet ran bloodwork, did x rays and an ultrasound and still did not find anything. Fast forward a few weeks and Ruby vomits blood so we take her to a third emergency vet who does an x-ray and an ultrasound and discovers that Ruby had part of a squeaker toy in her large intestine and it has perforated her intestine. It more than likely was in her stomach since she started vomiting but did not show up because it is clear plastic. When it finally made it past her stomach and into her intestines it because stuck because of the size and then perforated her intestine has her body tried to work the squeaker through her GI track. Ruby had emergency surgery that day and a blood transfusion to help with the blood she lost, she spent 2-3 nights at the vet recovering and was doing okay. Because of all the blood Ruby lost she was anemic after the surgery so she required blood test every few days. As we had test, the vet noticed that Rubys red blood cell (RBC) count was not improving. After a week or so of additional testing, it was determined that the area on her intestine where it was cut and sutured by the vet had separated and the sutured needed to be restitched, so Ruby goes back in for a second surgery. Ruby recovered okay for the second surgery but still was anemic with no improvement in her RBC count. We took her to three different vets (our regular vet, the emergency vet, and University of Pennsylvania Vet school). None could find a reason why Ruby was still anemic other than the assumption she had a slow bleed from her surgery site that they felt would eventually heal. At this point we are in July of 2021. Over the next 7-8 months ruby required 3 more blood transfusions, several ultrasounds and 30+ blood test to check her RBC count and other values. Here we are today in March of 2022 and Ruby is almost back to normal. She still is requiring monthly injections of iron and monthly blood test to monitor her improving anemia and RBC count.
Everything I mentioned above was covered by Healthy Paws and reimbursements to us were often made the same day, I do not think we ever waited more than 3 days for a reimbursement of a vet bill. Healthy Paws also never questioned any of the bills and we never were required to get preauthorization for a specialty vet or surgery. The only time Healthy Paws ever had anything to say about the bills we submitted was them checking in to see how Ruby was doing and wishing us well.
Long story kind of short… get pet insurance. Without Healthy Paws we would have had to make very hard decisions about continuing Ruby’s care due to the cost, as the bills were $40,000+. We would have either burned through a lot of savings/gone into debt or had to put Ruby down. Fortunately we avoided both of those situations because I purchased pet insurance when ruby was a puppy.
The only suggestion I can give outside of getting pet insurance through Healthy Paws is to get the lowest deductible possible which I think is 90% coverage (10% co pay) and get it on any puppy as soon as you can.
This was the absolute worst pet insurance company with terrible customer support. This team will make it impossible to submit a claim and will scam you out of any reimbursement possible. I had an issue with a claim that I was supposed to be reimbursed on and they came up with every reason it wasn’t valid, even though it was. I asked to speak with a supervisor to help rectify the situation and they told me a supervisor would call me back but they never did. I will never use this company again. I’m so disappointed in the AKC name after this experience.
Fonz did not feel well all of a sudden. After 2 ER visits, oncology and surgery consults, we found out he had a massive liver tumor. Our $10K coverage was enough to cover all expenses, including the surgery that will hopefully allow him to live more years with us. I just submit online and the money is usually in my bank account within a week.
Stay away, they will find every excuse in the world not to pay a claim, My dog had protein allergy prior to opening the policy with them, and now they tag everything as "allergy" so it's considered pre-existing, las two claims was for yeast infection in his year, first they declined saying they needed the "date of service" which by the way was on the invoice given by the vet, spent a lot of time calling them and they said they were just going to get it from the vet... and then i went online and it was declined again saying it was pre-existing lol.... unreal! they give you the run around so you get tired of calling, i paid them every month on time and they never covered one single claim... not worth the aggravation. I just canceled my policy and will dispute the last charge and will talk to my lawyer about this. Trust me, STAY AWAY from this!!!
2 years ago I took out Pet ins because my pet was getting older. Little did I know I would actually be needing it for my baby.
I am so very happy with this company being there every step of the way helping us with the big bills. You never know when u will need it just like us humans.