Pet Insurance Recommendations reviews from Reddit
Summary
We analyzed 232 Reddit reviews across 38 subreddits and 58 posts to rank the best Pet Insurance Recommendations brands recommended by redditors, including communities like r/Frenchbulldogs, r/pitbulls, r/germanshepherds, r/BelgianMalinois, r/Dachshund. Top-rated brands include Trupanion (4.6/5), Pets Best (4.2/5), Healthy Paws (4.3/5).
Stats
Reviews232
Subreddits38
Posts58
Brands35
Products3
232 reviews from
and
By Brand
/By Product
#1
Trupanion
4.6
(40)
"Trupanion is the best."
"Trupanion!"
"It’s soooooo worth it."
"I have trupanion and have loved them."
"I have had a great experience with Trupanion."
"I use Trupanion and I love it. My dog is very accident prone and they have saved me easily $20K."
"We have Trupanion and love them."
"Would have saved us about $14K back then."
"They cover 90% and I pay $45 per month."
"I’ll be another to recommend trupanion."
#2
Pets Best
4.2
(33)
"I have loved pets best. I have the unlimited plan, a 1k deductible, for less than $30 a month."
"Petsbest has been our saving grace."
"I second Pets Best! They’ve covered all my claims."
"I recommend Pets Best overall. All six of the dogs who are insured on my team and live in four different states are all insured through Pets Best."
"Pets Best has been amazing for us. Saved us around $12k so far."
"Multiple claims all paid out no hassles."
"Never any problems with coverage."
"Never been denied, and they are prompt with payments."
"I did pets best."
"We recently got Pets Best for our 2 dogs. The price and coverages are perfect."
#3
Healthy Paws
4.3
(29)
"Came here specifically to recommend healthy paws!"
"We have Healthy Paws for our 6 and would recommend them to anyone!"
"Healthy Paws was great about still covering anything else."
"Seconding the vote for Healthy Paws."
"They covered two TPLO surgeries with no issue."
"Happy Paws! I used them when my last pup had osteosarcoma and they paid 90% of everything."
"Healthy Paws...we have an 11month old Dutchie they have an 80 percent reimbursement and cover accidental dental!!"
"Healthy paws was great when my dog had his kidney removed as a puppy. He had $12k in vet bills over 4 days. We were reimbursed 80% (per our plan) within a couple of weeks."
"I have Healthy Paws and it has been a literal life saver."
"I’m in the US and have used healthy paws for my dachshund. They paid exactly what they said they would and were very easy to work with."
#4
Lemonade
4.0
(22)
"Lemonade is EXTREMELY user friendly."
"The claim process with lemonade is so smooth."
"100% worth it and has saved me so many times."
"🙌🏻🙌🏻🙌🏻"
"I’ve had Embrace and Figo in the past but switched to Lemonade, which I like way better. They’re super quick at reviewing and paying claims—funds are typically sent the same day. Their coverage is better for less $."
"Lemonade. Lifesaver. Have made about a dozen claims in a year and a half never had any issues"
"Lemonade has been great for us."
"Lemonade and Pets Best have some of the best rates."
"I’ve heard great things about Lemonade."
"The claim process has been smooth."
#5
Embrace
4.0
(21)
"Saved my dog’s life and my finances multiple times!"
"I’ve been really happy with Embrace!"
"Embrace has been great."
"Embrace insurance is probably one of the best around. And they cover a lot more than most"
"I have Embrace and it has been pretty good."
"I have embrace through usaa and they’ve been great."
"I use Embrace."
"We have embrace so far they’ve been good."
"I’ve been using embrace for emergency pet insurance. They don’t cover yearly vet bills but if you have a dog that is problematic, like I do, it’s been a godsend."
"Still got covered by the insurance company."
#6
Nationwide
3.9
(18)
"My company offers Nationwide and it has saved me a fortune. Had surgery for a broken paw and a metal crown put on a broken canine tooth."
"They have paid us out over triple we have paid in."
"I use nationwide and I never had an issue. My dog formed epilepsy and the insurance has more then paid for itself with the cost of MRI/visits/medicine."
"We have Nationwide through my employer and it's wonderful."
"We have Nationwide and it’s on the higher priced plan."
"I also have Nationwide, been happy with it (5 years)."
"If you live in the US, and need exotic pet insurance, the only one who does that policy is Nationwide that I would trust."
"They have approved everything I’ve submitted."
"I have nationwide."
"I use nationwide's pet insurance for my dutchie and its been worth it for me."
#7
Spot
4.7
(9)
"We have Spot for our dachshund, Peppa, and I’ve been very pleased with it."
"I have Spot for my dog, and I’ve had a great experience with them so far."
"I’ve had a great experience with Spot."
"Processing of claims has always been easy and timely."
"I have Spot Pet Insurance for my pets, and it’s been a great experience so far."
"I use spot and love it"
"I have Spot for my dog, and it’s been pretty good."
"Glad you’ve had a good experience with them."
"We use Spot for our healthy three year old rescue. $11/mo to cover accidents and illnesses."
#8
Fetch
4.0
(9)
"They have been wonderful!"
"They're so easy to work with."
"Fair pricing and all sorts of plans"
"I went with what was the best price for me."
"We have fetch and it has worked well."
"I’m in Canada, and after some admittedly limited research I went with Fetch. It was pretty good and easy to apply."
"We went with Fetch (previously Petplan)."
"Its not bad, just really need to read about whats covered"
"I have fetch but my insurance is crazy expensive."
#9
ASPCA
4.1
(8)
"I use ASPCA insurance and the best part is for a few dollars a month more."
"They reimburse very quickly and have been great to work with."
"Just to support them."
"I've been happy with ASPCA so far."
"ASPCA has been great for me."
"It's been very easy to get reimbursed."
"The ASPCA also have excellent plans."
"I use ASPCA insurance. Two senior pups and it's $500 month, reimburse up to 7k a year for each."
#10
MetLife
4.2
(6)
"I have MetLife. They have been fantastic to us."
"My rescue puppy came with a month of free insurance through MetLife and I have continued with it because it’s affordable for me and the first year is very expensive for dogs."
"Its been really good."
"They've actually been really great."
"Its full coverage at 90%."
"Now have MetLife which is much more affordable as I get it through work benefits but only covers injury and illness at 90%. Both are great options just depends on what you are looking for."
#11
Spot Pet Insurance
4.6
(5)
"I’ve been using Spot Pet Insurance for my two cats and my puppy."
"The claims process was super simple."
"Spot is fucking amazing."
"I went with Spot Pet Insurance, and it’s worked out well for us."
"We ended up getting Spot pet insurance."
#12
Pumpkin
4.7
(3)
"Have never had an issue with claims being denied."
"We have never had a claim denied and the reimbursement is 90%."
"Pumpkin is really good"
#13
Figo
3.0
(3)
"I’m in the US and have Figo. I used my Costco membership and received a discount. It’s been good for me. A small $250 deductible per year and 20% co-pay has come in handy."
"Figo has worked well for us."
"Figo sucks SO bad. Don't go with them."
#14
Furkin
4.5
(2)
"It’s excellent. No hassle claims. And it covers so much more than we thought."
"I use Furkin and its really good. Made claims and got them in time."
#15
Petplan
4.5
(2)
"I'm with Petplan for my cat. It's been no hassle at all with them."
"The plan recommended by Dogs trust when we adopted him."
#16
AKC
4.5
(2)
"I chose AKC pet insurance because they specifically state coverage for IVDD after 6 months and pre-existing conditions after a year."
"AKC covers pre-existing conditions after a year, which is one of the reasons I went with them."
#17
HP
3.5
(2)
"HP does increase each year with age but they are a lot cheaper than other plans for same coverage."
"I had HP for 13 years for my dog that passed away in 2024. I had a great experience with them and when I got a new puppy this year I automatically went with them again. First claim I submitted and I could tell something was different."
#18
Chewy
5.0
(1)
"The coverage is more comprehensive than the original trupanion"
#19
Pet's Best
5.0
(1)
"Highly, highly recommend!! They have paid 80% of the 7 bouts of pneumonia."
#20
Spot Pet
5.0
(1)
"I’m so glad I did."
#21
Pumpkin Insurance
4.0
(1)
"Pumpkin Insurance is a great choice."
#22
Nationwide Whole Pet with Wellness
4.0
(1)
"We have Nationwide Whole Pet with Wellness."
#23
Southern Cross
4.0
(1)
"Southern Cross"
#24
Storebrand
4.0
(1)
"Storebrand has a good insurance at a decent price."
#25
AA
4.0
(1)
"We went with AA pretty good so far."
#26
PD Insurance
4.0
(1)
"We have just gone with PD insurance."
#27
SPCA
4.0
(1)
"We use SPCA for our dog."
#28
Cove
4.0
(1)
"I use Cove for my Goldendoodle."
#29
Wag
4.0
(1)
"My fave is wag."
#30
Pet Partners
4.0
(1)
"I use Pet Partners & have been very happy with it."
#31
Physicians Mutual
4.0
(1)
"I went with physicians mutual"
#32
Pawlicy
4.0
(1)
"You can compare policies at pawlicy.com"
#33
Petsadena
4.0
(1)
"We use Petsadena now and have had good experiences."
#34
AKC Pet Insurance
4.0
(1)
"I use AKC pet insurance."
#35
Animal Friends
3.0
(1)
"I was using Animal Friends at the time, but have since switched."
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