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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.

 
1

out of 5

Claims processing

The worst of all I've worked with over the years. Claims submitted accurately and completely take weeks for any attention and then never communicating if any additional proof needed. Don't believe their 5-10 day processing nonsense. Like clockwork your premium payments are addressed though. They should put that kind of focus on reimbursing their clients
  • INSURER: MetLife
  • POSTED: 08/01/2024
  • BY: Reese
  • BREED: Mixed Breed Large (Over 75lb)
  • AGE OF PET: 4 - 6

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5

out of 5

Healthy Paws is wonderful.

Healthy Paws is the best pet insurance provider for my 2 fur babies. Both have had significant health issues (one had 2 torn CCL and one had a spinal stroke that left him paralyzed in his rear legs for several months). We wouldn’t have been able to provide the needed care for both of them without Healthy Paws. For our paralyzed pup, Healthy Paws also covered rehab services. Very quick claims processing and payout process. Cannot say enough positive things about the coverage and service.
  • INSURER: Healthy Paws
  • VETERINARIAN: Reed Animal Hospital
  • POSTED: 07/31/2024
  • BY: Christine
  • BREED: Labrador Retriever (Black)
  • AGE OF PET: 7 - 10

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5

out of 5

Great service and quick claim payments

I just purchased Lemonade for my two standard poodle puppies. This was done at the recommendation of my "emergency" vet, Dr. Abolnik @ MY PETS VETERINARY URGENT CARE & WELLNESS clinic in Kirkland, Washington, who said Lemonade is a great insurance company...and Yep, he was right!
  • INSURER: Lemonade
  • VETERINARIAN: Dr. Abolnik
  • POSTED: 07/31/2024
  • BY: DIANNA
  • BREED: Poodle - Standard
  • AGE OF PET: 0 - 3

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5

out of 5

We love Healthy Paws

We had a fantastic experience with Healthy Paws. Piggy became suddenly paralyzed and needed emergency spinal surgery. This was very stressful and expensive. We submitted our invoice from the hospital and were reimbursed within 2-3 days. Healthy Paws helped turn a horrible incident into a less stressful one with their quick processing time. We would definitely recommend them!!
  • INSURER: Healthy Paws
  • POSTED: 07/31/2024
  • BY: Channing
  • BREED: Frenchton
  • AGE OF PET: 4 - 6

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2

out of 5

Sneaky clauses

Apparently the policy excludes conditions that arose in a prior policy year, even if you were insured with PHI at the time. What a scam! I’ve never heard of any insurance working in this manner. Our dog developed a cyst in April but our policy renewed in May. By the time he was seen by a specialist, who is recommending surgery, we were into a new policy year and therefore this is considered a pre-existing condition so none of the specialist fees nor surgery will be covered even though we were insured the entire period. Make sure your pets’ illnesses occur in isolated years otherwise your claims won’t be paid! How ridiculous! I’m sure it’s clearly written in our policy (the lawyers would have made sure of that) but this is so contrary to how I’ve ever experienced insurance that I didn’t notice that restriction. It’s totally understandable if the condition arose before we got insurance but this is nonsense.
  • INSURER: PHI Direct
  • POSTED: 07/31/2024
  • BY: E
  • BREED: German Shepherd
  • AGE OF PET: 4 - 6

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5

out of 5

I am very happy

I have had my dog insured with Pets Plus Us since he was a puppy. I have never had a large claim until recently. I often thought that I was wasting money since my claims were small. However, recently my dg required treatment that was very costly. I submitted my claim to Pets Plus Us and within a few days I received my reimbursement. I am very happy with the service and so thankful that I kept my dog insured.
  • INSURER: Pets Plus Us
  • POSTED: 07/31/2024
  • BY: Michele
  • BREED: German Shepherd
  • AGE OF PET: 7 - 10

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5

out of 5

Pets Best

Overall they are great.
  • INSURER: Pets Best
  • POSTED: 07/31/2024
  • BY: Linda
  • BREED: Jack Russell Terrier
  • AGE OF PET: Over 11 years

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5

out of 5

Grateful for Pets Best being there when I needed them.

I cannot say enough good things about these people. My sweet boy, who has never had any real issues had an emergency surgery in February (a successful splenectomy). Then this month, we took him to the vet because he didn't seem to be feeling well, and after discovering lesions on his liver, we had to say goodbye to him three days later. This was the most difficult thing I've ever done, but having insurance gave us the peace of mind to have blood work done, an ultrasound done, a surgical consult, pain meds, and finally, Caring Pathways to come to our home so our Bodie could be comfortable and in familiar surroundings. Pet's Best covered what my policy said they would. We knew with the insurance that we could afford to get the information we needed to make the best decisions for our sweet boy. They handled it all quickly, and with compassion. I am so grateful.
  • INSURER: Pets Best
  • POSTED: 07/30/2024
  • BY: Gabrielle
  • BREED: Labrador Retriever (Black)
  • AGE OF PET: 7 - 10

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5

out of 5

Prompt Response to claim

Pets plus us was recommended by a friend when we were considering pet insurance for our dog. It turned out to be an excellent choice. The experience working with Pets Plus Us was stress-free. Which was a nice change from the experience of our dog ingesting a toxin and all that went with it! We received reimbursement less than two weeks from the event requiring and maybe a medical care. Rates are reasonable and I highly recommend this company if you have a pet.
  • INSURER: Pets Plus Us
  • VETERINARIAN: Fraser Valley Emergency
  • POSTED: 07/30/2024
  • BY: Wendy
  • BREED: Golden Retriever
  • AGE OF PET: 0 - 3

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5

out of 5

Peace of mind

Paws insurance for my 5 Fur babies! This is the best insurance! I can not express the amount of peace of mind I have knowing my babies are covered. I have had to file claims on multiple dogs. Healthy Paws reimburse me within days ….usually 3 days. They have saved my babies multiple times! I will never go with another company.
  • INSURER: Healthy Paws
  • POSTED: 07/30/2024
  • BY: Shawn
  • BREED: Golden Retriever
  • AGE OF PET: 4 - 6

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