Dog Insurance reviews from Reddit
Summary
We analyzed 220 Reddit reviews across 45 subreddits and 76 posts to rank the best Dog Insurance brands recommended by redditors, including communities like r/DogAdvice, r/askTO, r/dogs, r/UK_Pets, r/Finland. Top-rated brands include Trupanion (4.5/5), Pets Best (4.4/5), Healthy Paws (4.5/5).
Stats
Reviews220
Subreddits45
Posts76
Brands49
Products2
220 reviews from
and
By Brand
/By Product
#1
Trupanion
4.5
(41)
"I’m super happy with Trupanion. My last pup went through chemotherapy treatments, a couple of ER stays that reached $1."
"I insured my puppy at 10 weeks old when I got her. We use Trupanion."
"I chose trupanion too, because the deductible doesn't reset. You can also choose your own deductible amount."
"I carry a high deductible, so I'm on the hook for the first 500 bucks, but I don't have to think twice about anything necessary, including emergency care."
"I have had Trupanion since 2010. They have paid out thousands in vet bills. I am happy with them. They pay the vet directly."
"My dachshund some years ago had IVDD and needed to undergo emergency surgery. Without it, cost around $10k. Trupanion took care of it for me right then and there."
"Unlike other pet insurance where your deductible resets every year Trupanion doesn't. You pay a deductible per illness."
"I pay $60 a month and 90% of his bills are covered."
"We have had Trupanion for our Chocolate girl since we got her 3 years ago."
"Trupanion really helped when the dog got kidney disease. The decisions were somewhat easier."
#2
Pets Best
4.4
(30)
"He has cost me roughly $15k in those two years, and my insurance reimburses 90% with an unlimited amount."
"They've covered over $30k of vet bills and medication in the past 18 months and they haven't questioned a single invoice I've submitted."
"HIGHLY recommend Pets Best."
"I have all three of mine insured under PetsBest. I did so much research when I first got my dog almost 6 years ago."
"I find myself recommending it the most to people based on its lower pricing and extensive coverage."
"We’ve been very happy so far."
"I’ve really benefited from them over my 5 years with Koda."
"They took SUCH good care of my boy when he had patellar luxation surgery."
"Pets best is the company"
"I have pets best insurance $37 a month :)"
#3
Healthy Paws
4.5
(19)
"Healthy paws was great to us. We paid $30-$75 a month."
"Healthy Paws. Crazy easy reimbursement process. Pretty easy to get to a human on the phone too."
"Healthy Paws pet Insurance has been good for me — my rescue dog has an undiagnosed autoimmune disease."
"Both companies are easy for me to work with, no problems with claims."
"My dog had major legs issues and they paid out probably more than 12K."
"Third for Healthy Paws. Have had great experiences with them over 3 years."
"They are amazing! They do not exclude congenital issues and they paid for the breathing surgery for both of my dogs."
"Great rates, cover pretty much everything."
"They're great. Knowledgeable reps, fast turnaround time on claims."
"I use Healthypaws ($45 per month) and for me they are the best."
#4
Nationwide
4.1
(16)
"It has literally saved us $7k for both dogs in the 5 years we’ve had it."
"I'm so glad I had the insurance. They reimbursed me about 90% of it."
"Insurance is generally a smart choice."
"Nationwide, 100%. In 2018 my late dog had inoperable cancer and they covered multiple rounds of chemo."
"Nationwide Pet insurance! Covers everything including wellness and spay / neuter."
"The $250 annual deductible, $7500 yearly coverage limit and they pay 90% after deductible met."
"I have Nationwide for my pup. Thankfully I’ve only needed it twice."
"They show exactly what they covered and for how much on their EOB."
"It's $49 a month with the extra wellness rider."
"I have nationwide- they have a 2 week waiting period for you to start using the insurance."
#5
Lemonade
4.1
(12)
"The premiums are lower than anything I’ve found for the coverage you get and they donate unused premiums to charity."
"Everything has gotten approved and super quick too."
"They gave me no hassle and got my money back in like 3 days."
"Pricing is reasonable, service is excellent, and the claims process is app driven and very easy/user-friendly."
"Lemonade. Fast response rates, very clear policies, and it’s all in a nice easy app on your phone."
"I have Lemonade and it was the cheapest insurance with most coverage for my area and pets."
"We have Lemonade, and they've been timely on payments, lots of communication through the process of a claim."
"Lemonade super easy to use you can do everything on your phone."
"I like them."
"AKC Pet Insurance covers pre-existing conditions after 1 year."
#6
Embrace
4.4
(10)
"Embrace has been awesome. Our claims have been approved within 48 hrs."
"Came in handy when my dog needed a tooth and abscess removal."
"They have been great with care for my senior dog."
"Embrace was great when my past pooch got cancer."
"Embrace has worked really well for our pitbull. They do have a dollar cap, but they've covered everything we've needed so far."
"We have Embrace and like them a lot, they’re great for quick reimbursement."
"It's been pretty solid for our dog."
"I use Embrace. Wife uploads all of the dog's medical bills through a convenient app. Like $45 a month."
"I used to have Embrace, then I switched to trupanion (chewy). I pay $26/month."
"That said, Embrace used to be the one I’d recommend most often."
#7
Petplan
4.8
(9)
"They've paid out for vet appointments, medications and acupuncture without any hassle."
"Pet plan are the best in my opinion."
"Your gf is right and they are worth the additional cost."
"They are very very good when it comes to making claims and paying for referrals."
"Petplan has been amazing with my elderly dog."
"We use Petplan. £42 per month. We claimed close to £2000 in the 1st 12 months and our premium went up by £2/month."
"Petplan is the best for no issues payments, most highly recommended."
"I had my dogs insurance with Petplan for a number of years before she had to get put to sleep."
"I like Pet Plan because they won't bump your premium up just because you claim."
#8
ASPCA
4.5
(6)
"The lowest quote for the most inclusions imo."
"They pay for almost all his treatments."
"I really like my insurance through the ASCPA."
"I have ASPCA for my chocolate boy and I’ve had to use it already and he’s only 5 months old."
"Shop around online."
"I have ASPCA pet insurance and it’s been great so far."
#9
Fetch
4.2
(5)
"Go with Fetch, by far the best prices I've found."
"They offer comprehensive coverage for hereditary and breed-specific conditions."
"They offer comprehensive insurance plus you can add on their wellness plan for dental, vaccines, well checkups."
"Got her insurance at 6 months. Didn't want vet cost to be a factor on a serious problem."
"We have Fetch for our dog and cat and have had no issues filing claims and getting them paid. It's pretty easy through both their app and website."
#10
SPOT
4.2
(5)
"I'm very glad I did."
"SPOT has been awesome for me."
"We use Spot and like it so far."
"I really struggled with what insurance to get my dog and I did a lot research and decided on Spot."
"We have Spot Pet Insurance. Can’t tell you much since we haven’t had to use it yet."
#11
Figo
4.0
(5)
"It's been a great purchase."
"It seems pretty decent, especially being associated with Costco."
"My German shepherds have figo (pet cloud) and my mutt has petsbest."
"I like Figo, Healthy Paws and Trupanion."
"Figo"
#12
Dotsure
5.0
(4)
"Dotsure has been great. We've been with them for 5 years and have always had quick, easy claims settlements."
"Dotsure have been great. Quick turnaround and easy claims."
"Dotsure have been brilliant (4 years with them)."
"I went with dotsure, never had issues with them, claims usually settled in a day or 2, even over weekends and payouts a day or 2 later."
#13
OP Pohjola
4.0
(4)
"We have OP Pohjola for our dog currently but got a cheaper offer from Lähi-Tapiola recently."
"I have one from OP, about 360/year. Price depends on breed."
"We pay 300e/year for 1 dog. OP and no other OP insurance. The First Vet service they have is good."
"I have OP and with their Pohjola partnership each of my dogs is about €300/year."
#14
LähiTapiola
4.0
(4)
"I have LähiTapiola for past 10 years and it has never failed me. Everytime there's been a case, they've covered it without any questions."
"I would in general always suggest getting pet insurance. Lähitapiola was 500ish euro/year for me."
"I am happy with Tapiola. If you take it for a puppy, you can renew it for life if the dog."
"I do NOT recommend Lahi Tapiola. They refused our claims although it is clearly stated in the contract."
#15
ManyPets
5.0
(3)
"They were great during a recent issue."
"Thanks for recommending ManyPets I have insured my lovely dog now."
"Second this, they have been great."
#16
Pet Insurance
4.3
(3)
"YES GET THE INSURANCE!!!"
"If I had it to do it all over again I would."
"Discussing it with your vet to see which ones they accept."
#17
MetLife
3.7
(3)
"I’m pretty happy with the price."
"I use MetLife. I pay $214 a month for three 7+ year old dogs."
"We pay $70, MetLife pet insurance. No help with food."
#18
CoverSearch
5.0
(2)
"I recommend first you to take advice from CoverSearch. They covered everything and recommends whats the best."
"My best personal recommendation is to get a quote from CoverSearch. They give a detailed pros and cons of all major pet insurance across South Africa."
#19
Pet Partners
5.0
(2)
"They’ve been great."
"They reimbursed everything within 5 days."
#20
Agria
5.0
(2)
"We have Agria and have been very happy. Most vets are in their system so you get the deduction before you even pay."
"They're the best at what they do and also most price efficient."
#21
Purely Pets
4.5
(2)
"Get insurance that comes with free video vet service."
"Used compare the market and went with Purley Pets £12 per month less excess."
#22
MediPet
4.5
(2)
"I can’t speak highly enough of MediPet. They were amazing when we had dogs."
"I found MediPet to be excellent with their plans but too pricey."
#23
Embrace Pet Insurance
4.5
(2)
"They have a number of plans and they’re customer service is amazing."
"Seems like a very solid company and plan."
#24
AKC
4.0
(2)
"We have AKC. Was enrolled before seizures began but I know they will cover pre existing after one year."
"I'll definitely look into AKC's policy!"
#25
Fursure
4.0
(2)
"I've had good experiences so far."
"They pay for the appointments up front."
#26
Pumpkin
3.0
(2)
"Been using Pumpkin and so far very pleased."
"Pumpkin has been very disappointing for me."
#27
Bought by Many
5.0
(1)
"Bought by Many is excellent. No issues with them."
#28
Paw Paw
5.0
(1)
"They have been absolutely brilliant - they cover just about everything, they never reject a claim and they pay out within 48 hours."
#29
Fennia
5.0
(1)
"In Fennia I had 3k reimbursement."
#30
Furkin
5.0
(1)
"We’re with Furkin: $70/m with a $300 deductible every year and covers 80% up to $20,000 every year."
#31
Hartville
5.0
(1)
"Worked well for both of our pups."
#32
Tesco
5.0
(1)
"Now paying £150 a month for our 15 year old collie but they’ve been brilliant throughout."
#33
Pet Plan
5.0
(1)
"Yes it is worth it we have used Pet Plan for similar amounts for c£12k vet fees per annum."
#34
Animal Friends
5.0
(1)
"My dog was insured with animal friends. We had their lifetime cover for 6k per year per condition."
#35
Cat & Dogsure
5.0
(1)
"Never had any questions regarding the claims and all were paid within a day or two of submission."
#36
Hannah Pet Society
5.0
(1)
"We wound up going with the Hannah Pet society care plan instead."
#37
MoreThan
4.0
(1)
"We have ours insured through 'morethan' in the UK. When I was looking for some they seemed to have a decent selection of plans and prices to choose from."
#38
Hanse Merkur
4.0
(1)
"They cover everything 'that needs a scalpel' so not the visits but operations, however minor."
#39
One Degree
4.0
(1)
"I heard good things about one degree."
#40
If
4.0
(1)
"I have If and I pay under 400€/year for my two dogs but they have no death insurance."
#41
PhiDirect
4.0
(1)
"I pay $39 a month, with a $200 annual deductible and a 20% co-insurance pay."
#42
Pet Protect
4.0
(1)
"Pet protect came in much cheaper for lifetime cover."
#43
Spot Insurance
4.0
(1)
"Very easy to deal with, you pay upfront costs then send in receipt and whatever info they need."
#44
Agila
4.0
(1)
"Check out dog insurance from Agila. They have 3 different coverage options."
#45
Helvetia
4.0
(1)
"My cats are with Helvetia because they had the best deal 8 years ago."
#46
Bingo Insurance
4.0
(1)
"Bingo Insurance recently launched in some US states."
#47
PetFirst
4.0
(1)
"I did PetFirst because they weren't as restrictive on some potential health issues."
#48
VPI/Nationwide
4.0
(1)
"I've heard good things about VPI/nationwide and clients and friends have been happy with them."
#49
VCA
3.0
(1)
"I had VCA's care club for my old dog. It covers the vet fee and some other things."
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