Cat Insurance reviews from Reddit
Summary
We analyzed 205 Reddit reviews across 29 subreddits and 88 posts to rank the best Cat Insurance brands recommended by redditors, including communities like r/CatAdvice, r/CatsUK, r/UK_Pets, r/cats, r/petinsurancereviews. Top-rated brands include Petplan (4.5/5), Trupanion (4.5/5), Lemonade (4.1/5).
Stats
Reviews205
Subreddits29
Posts88
Brands54
Products10
205 reviews from
and
By Brand
/By Product
#1
Petplan
4.5
(40)
"I have been with Pet Plan for years now. Claiming with them is quick and easy and they don't hound you."
"I also use petplan ...I would advise getting a lifetime policy ... it is a little more expensive but you are covered for life."
"Pet plan whole of life cover has saved our asses, and has already paid for itself this year with dental work too."
"PetPlan are great!"
"PetPlan whole life cover. They have been amazing for my cat who has inflammatory bowel disease, paid out way, way more than I will ever pay in quickly with no fuss."
"We’ve had a few major incidents and PerPlan paid both times."
"You get free 24/7 access to online vets when you buy petplan. I’ve used this service twice and they’ve been very helpful."
"I have PetPlan. It’s expensive but they do ‘whole of life’ cover. ... PetPlan have never objected to any test or treatment they recommended."
"Honestly couldn’t fault them, they’ve paid out for everything!"
"Petplan."
#2
Trupanion
4.5
(25)
"Trupanion is pricey, but the direct-to-vet payment was a lifesaver when my dog needed surgery."
"Trupanion has been great for me. Has always paid out and has wide coverage."
"I recommend Trupanion as a veterinarian. ... They also have unlimited coverage."
"In Canada, trupanion is the best."
"Trupanion pays based on diagnosis once you've hit deductible for that diagnosis."
"It doesn't cover spay/neuter, vaccines, and regular care. It's explicitly for significant emergencies."
"They covered 90% of my expenses with zero hassle."
"I use Trupanion! You can choose how much you pay."
"Truepanion covered a $2k surgery on our dog without any pushback or pre-authorization needed."
"My clinic accepts Trupanion as a direct form of payment"
#3
Lemonade
4.1
(16)
"Lemonade seemed to be the best option for my two kitties."
"I use Lemonade for my babies and for 3 years it's still cheaper than the others."
"Go for Lemonade, has saved us THOUSANDS."
"I recently got Lemonade and so far it’s been great!"
"I have lemonade for my cat, i went with the dental add-on too and i’ve had a really positive experience so far!"
"I use Lemonade. They are fantastic."
"I have Lemonade and it was the cheapest insurance with most coverage for my area and pets. $200 deductible and they cover 90% for anything related to illness or accidents."
"I’ve been very happy with its coverage."
"I have Lemonade insurance with a pretty big deductible."
"I’m with Lemonade and I pay $18 a month for my 4 year old Balinese."
#4
Pets Best
4.2
(11)
"Some great options - Embrace Pet Insurance, ASPCA Pet Health Insurance & Pets Best."
"I’ve had nothing but good experiences with petsbest."
"We have Pets Best accident only insurance, $72 a year. No troubles with claims for our rowdy kitties. Recommend."
"I have my one girl on petsbest. it is by far the most affordable option."
"I have found pets best to be the best in terms of covering things."
"I like Pets Best. Haven't had a claim denied so far. I only use it for emergencies/illness."
"We use Pets Best with a wellness add on, reimbursement at 90%."
"I have 'pets best' and get a discount through my work, so it is a cheaper option for me."
"I like PetsBest, I’m in the US."
"My premiums with Pets Best went up about 15% annually, which seems standard across the industry."
#5
MetLife
4.3
(9)
"I’ve been super happy with Met life so far for my two kittens and senior dog!"
"Wish i got metlife for the rx food coverage alone! def gonna get it for future pets"
"I found the best rate to be with MetLife."
"MetLife got standard wellness. It covered a cbc and physical exam (claimed and reimbursed). ... 90% back with unlimited yearly expense."
"They have been great. Every claim has been approved, albeit somewhat slowly..."
"I suggest MetLife. They have family plans where all your pets in the plan share a deductible."
"I use MetLife and really like them."
"I pay $65/month with MetLife for my 11 year old domestic shorthair."
"I currently have MetLife pet insurance with preventative care."
#6
Agria
4.7
(7)
"Definitely get insurance. I use Agria. Had to have two leg surgeries on my little nightmare and even though I had to pay a fair amount it would be been about £6000 without insurance."
"We use Agria who have been great. They offer lifetime cover and the price hasn’t gone crazy as our cats have gotten older."
"We’ve had to make multiple claims and they’ve paid out every time without quibble."
"They have paid out without quibble and are helpful if you have questions."
"They've paid out for surgery, a biopsy, and an overnight stay for a stomach bug without any issues."
"Their recognised partner is Agria who are very good."
"Agria was willing to insure my 9+ year dog."
#7
Healthy Paws
4.7
(7)
"Healthy Paws has been solid for my lab—fast payouts and zero headaches."
"I have Healthy Paws and they’ve been nothing but great."
"Healthy Paws and Trupanion are the best IMO."
"The last time I checked, Healthy Paws was the best, with PetPlan coming in second."
"Healthy Paws is one of the best."
"Healthy Paws and PetPlan were the best when I was looking."
"I have healthy paws and have been happy with them so far."
#8
Trupanion Insurance
5.0
(6)
"Trupanion is probably your best bet."
"Trupanion has been great for our 2 Bengals and 1 DSH."
"Trupanion. They reimbursed 90% of what would have been $7K + in vet bills when my cat had cancer."
"Fast turnaround with no haggling. The customer service is great too."
"We have a few of our own cats insured and they have been pretty excellent with covering what we need!"
"They had good coverage didn't haggle or deny claims."
#9
Pet Insurance
4.7
(6)
"I love pet insurance."
"Second this, have it for our 2 cats and 1 dog and between them it’s paid for itself each year so far"
"It has already saved us so much money- totally agree that it’s a good idea to have!"
"We use Healthy Paws and they’ve been great!"
"I had a really good experience with petplan."
"ASPCA was always fairly easy to work with."
#10
Embrace
4.5
(6)
"End up choosing Embrace and it’s been smooth sailing with 3 claims so far."
"Embrace's diminishing deductible saved me $200 this year! Great feature."
"Wisconsin pet parent with Embrace here! The diminishing deductible is great - down to $100 from $300 in four years."
"We use Embrace for both our cat and dog. The diminishing deductible is a nice touch, and they've paid every legit claim so far."
"I have Embrace and while I haven’t had to use it for much, they seem pretty easy to work with."
"They said Trupanion or Embrace. I went with Embrace"
#11
Spot
3.7
(6)
"I use Spot and it’s been pretty easy to navigate."
"I personally use spot! I pay $15 per cat per month. $250 deductible with 80% reimbursement."
"I ended up choosing Spot pet insurance for my pets, and I found it to be a solid option."
"I have spot for my cat and dog."
"Been with Spot for a year. App is decent, claim process isn’t terrible, but they try to label anything remotely gray as pre-existing."
"We have Spot for $18/month plus $10 for wellness. I haven’t used it yet."
#12
Lemonade Insurance
4.7
(3)
"Lemonade. costs me $16 a month and has saved well over a thousand dollars in the last year already."
"I use Lemonade, they have been great."
"They would be a good option for you since I think they are one of the cheapest and most reliable for cat insurance in California."
#13
Animal Friends
4.7
(3)
"I got the lifetime cover plan and it was a godsend for my old man cat."
"They dealt with vet and the hospital she had to go to n all I paid was my excess."
"I've not made any claims yet and have held the policy for less than a year."
#14
ManyPets
4.3
(3)
"I use ManyPets for my cats and they've always been brilliant."
"I’m with Manypets mainly based of experiences on Reddit."
"The other is 18 months. They are AKC and Many Pets."
#15
Pets Best Insurance
4.3
(3)
"It’s about $20 a month and covers 90% of qualified expenses!"
"I went with Pets Best. They were cheapest per month for what they offered."
"I use Pets Best and they cover just about everything depending on the plan you pick."
#16
ASPCA Insurance
4.3
(3)
"They're great, and will apply any wellness payments to your deductible!"
"We went with ASPCA insurance. It seemed to be the most affordable option with the most coverage."
"ASPCA's insurance is the most common coverage they've seen, and owners seem pretty happy with it."
#17
Fetch
4.0
(3)
"Check out Fetch Pet insurance. They offer comprehensive insurance plus you can add on their wellness plan for dental, vaccines, well checkups."
"I like Fetch Pet insurance. They offer a sort of all-in-one insurance rather than one where you have to pick and choose different options."
"I had good experiences with fetch and I've had good experiences with met life."
#18
Healthy Paws Insurance
5.0
(2)
"Trupanion and Healthy Paws are both great options."
"I personally love healthypaws! When my cat had to be hospitalized over the summer, they were so compassionate."
#19
Fetch by The Dodo
4.5
(2)
"I after that moved to FETCH BY THE DODO."
"I pay $340/year through Fetch."
#20
ASPCA
4.5
(2)
"ASPCA reimbursed me around $20,000 last year alone between two of my cats. I'll be with them forever."
"I use ASPCA because they were great with my last cat."
#21
Nationwide
3.0
(3)
"Nationwide, Trupanion, and Embrace are some of the more known insurances"
"I’ve heard good things. I believe they’re.. well.. nation-wide."
"Avoid them like the plague."
#22
24PetWatch
4.5
(2)
"Trupanion is the GOAT."
"We received a free month of it when we adopted our dog through a rescue organization."
#23
Figo
4.0
(2)
"Figo insurance does."
"I personally use Figo and have had no issues with them."
#24
Pumpkin
4.0
(2)
"I personally have pumpkin because they cover a lot more situations."
"I personally use Pumpkin because of the short waiting period for coverage."
#25
Pumpkin Insurance
4.0
(2)
"I'd recommend checking out Healthy Paws, Pumpkin, Trupanion, Lemonade, ASPCA, Figo, and Nationwide."
"Pumpkin and trupanion came recommended by my wife who works in the vet insustry."
#26
Chewy
4.0
(2)
"I have Chewy insurance provided by Trupanion."
"I ended up choosing the one by Chewy. It is new so has like no reviews, so I take a risk with that."
#27
Petsecure
3.0
(2)
"Petsecure is pretty good for if your cat gets chronic issues."
"My best advice is stay away from pet secure."
#28
Pets Plus Us
5.0
(1)
"Pets Plus Us was an amazing company to work with in terms of ease of submissions and payments."
#29
Waggel
5.0
(1)
"Bought a lifetime cover with Waggel pet insurance for my elderly cat."
#30
Spot Pet Insurance
5.0
(1)
"Have you looked at Spot Pet Insurance? They cover any vet in the US and Canada."
#31
Spot Insurance
5.0
(1)
"If you're in the US, I highly recommend Spot! They pay out quickly, with little to no exceptions."
#32
Embrace Pet Insurance
5.0
(1)
"I have read great things about Embrace the most."
#33
ASPCA Pet Health Insurance
5.0
(1)
"Some great options - Embrace Pet Insurance, ASPCA Pet Health Insurance & Pets Best."
#34
PetsPlusUs
4.0
(1)
"They paid promptly after we had an urgent visit last month."
#35
Argos
4.0
(1)
"They were very good and have always paid out."
#36
Furkin
4.0
(1)
"I settled on Furkin. They are Trupanion's sister company."
#37
Post Office
4.0
(1)
"I took out insurance with the Post Office 6 years ago, no complaints!"
#38
Tesco
4.0
(1)
"They've been really good with mine."
#39
Equine & Livestock (E&L)
4.0
(1)
"They keep paying out for meds and checkups, easy and simple."
#40
Costco Pet Insurance
4.0
(1)
"Rate was reasonable and covered most things without a huge deductible"
#41
Pawlicy
4.0
(1)
"Check out Pawlicy dot com. They're an insurance comparison site."
#42
Physician’s Mutual
4.0
(1)
"I think I’ve decided that I’m going to go with Physician’s Mutual for my older kiddos."
#43
Campus Estates
4.0
(1)
"We're happy with Campus Estates. ... They like TruPanion."
#44
ASPCA Health Insurance
4.0
(1)
"I’ve had a good experience with the aspca health insurance."
#45
Getsafe
4.0
(1)
"Getsafe insurance for my cat works pretty well."
#46
Vetsure
4.0
(1)
"Vetsure is who we use and id recommend them."
#47
Agila
4.0
(1)
"We insured our indoor cat with Agila."
#48
AKC
4.0
(1)
"There are two insurances that cover pre-existing for state of Washington. One is after 12 months of being symptom free... The other is 18 months."
#49
Ebrace
4.0
(1)
"I was so glad we had it because a few months after the adoption my cat got a bladder stone that could have caused it to die."
#50
VPI
4.0
(1)
"Very reasonably priced and they cover a decent amount of stuff."
#51
Many Pets
4.0
(1)
"We have Many Pets, which was given a very good review by Which. It's not the cheapest but the cover is very good."
#52
Banfield
4.0
(1)
"I recommend Banfield. It's attached to PetSmart. They have wellness plans that you pay for monthly."
#53
Petsure
4.0
(1)
"We went with Petsure's lifetime policy... it seems pretty comprehensive and reasonably priced."
#54
Southern Cross
3.0
(1)
"Southern Cross or Pet Cover. Cystitis will be excluded as a pre-existing condition but other things will be covered."
Discover your audience
GummySearch is an audience research toolkit for 130,000 unique communities on Reddit.
If you are looking for startup problems to solve, want to validate your idea or find your customers online, GummySearch is for you.
Sign up for free, get community insights in minutes.
Tell me more
Get started
