Pet Insurance reviews from Reddit
Summary
We analyzed 683 Reddit reviews across 73 subreddits and 159 posts to rank the best Pet Insurance brands recommended by redditors, including communities like r/CatAdvice, r/petinsurancereviews, r/germanshepherds, r/DogAdvice, r/sphynx. Top-rated brands include Trupanion (4.2/5), Pets Best (4.3/5), Lemonade (4.1/5).
Stats
Reviews683
Subreddits73
Posts159
Brands82
Products22
683 reviews from
and
By Brand
/By Product
#1
Trupanion
4.2
(95)
"It is, and has been, a lifesaver, literally and figuratively (and financially), and provides peace of mind. Trupanion is terrific."
"I really like Trupanion."
"I had Trupanion and they were very good!"
"The only company I’m aware of that will pay your bill for you is Trupanion. If you can afford it I always recommend them."
"Trupanion!"
"I pay around $90 Canadian per month for both of them combined and it’s soooooo worth it."
"I have trupanion and have loved them."
"Stay with trupanion! I have pets plus us now and trupanion is far superior."
"I’d stay with Trupanion."
"I liked trupanion's model and went with it."
#2
Pets Best
4.3
(87)
"I have loved pets best. I have the unlimited plan, a 1k deductible, for less than $30 a month."
"Have had it since I brought my boy home and they’ve never failed me."
"Can’t recommend them enough. They reimburse quickly and their claims process is super easy."
"I have Pet’s Best and love it!"
"We’re very happy with them."
"Petsbest has been our saving grace."
"I highly recommend! Their rates are a bit higher but they have good customer service and quickly approved our claims."
"Never have an issue with claims."
"I’d rather spend $45 each month and not need it."
"I have it for my cats and they are wonderful."
#3
Lemonade
4.1
(80)
"I’ve been very happy with Lemonade. My 4 year old pup got a very serious disease that cost me more than $10K in medical bills in less than a year."
"I just had a claim last week and i received the money quickly with no fuss"
"I really cannot recommend Lemonade enough. They have been amazing"
"Lemonade has been good to me and my little cat!"
"It’s worth every penny."
"Has saved us a ton of money."
"Lemonade with puppy plan for both of my Berner pups."
"Yes - Lemonade."
"We have had lemonade for our 2 setters for years and absolutely love it."
"Recently signed up for lemonade thru chewy and saved almost $20 a month."
#4
Spot
4.6
(49)
"I went with Spot Pet Insurance after comparing several options. Their flexible plans, clear coverage, and smooth claims made them stand out."
"I liked how flexible the plans were and how easy it was to customize coverage. It’s been a smooth experience so far!"
"It covers a lot, and the claims process is straightforward."
"I have Spot as well. I’m very happy with them."
"I use Spot for my 2 English setters and am very happy with them."
"I can heavily vouch for Spot."
"I’ve had Spot for almost a year now."
"For me, it’s not a scam—it’s peace of mind."
"Unlimited coverage after certain $. But it’s worth it."
"The peace of mind has been worth every penny."
#5
Healthy Paws
4.5
(37)
"Healthy paws is great"
"I’ve had Healthy Paws since I brought my pup homes. She’s 3 and has had a myriad of health issues, which they covered without issue."
"I have Healthy Paws, $65 premium, $250 deductible, no limit."
"They reimbursed around 85% quickly."
"Healthy paws!!!"
"I have 4 dogs and 3 cats on them and happy so far."
"We have Healthy Paws for our 6 and would recommend them to anyone!"
"Strongly recommend Healthy Paws, they saved us approximately $40k."
"They make it very easy to file online and pay directly and quickly."
"Healthy Paws has been great."
#6
Pet Insurance
4.5
(35)
"Definitely worth it."
"The insurance was very worth it!"
"The insurance was very worth it!"
"Pet insurance saved me thousands of dollars."
"Pet insurance saved me about 8,000$ for my new kitten."
"In my experience it is worth getting insurance."
"All covered by insurance with an excess of 250."
"It is worth it. Very worth it."
"Definitely worth it."
"Yes. Absolutely. We just saved $1500 on an appt for one of ours...."
#7
Embrace
4.3
(35)
"I love embrace. It is important to have pet insurance for the huge bills your can't afford."
"We’ve had thousands covered by Embrace for two cats. Got coverage before any issues started and they’ve never challenged anything."
"Embrace was amazing."
"Beckett has had embrace for 5, almost 6 years now."
"Haven't had a problem with them."
"They seem better than a lot of human health insurance companies."
"They're amazing."
"I have no complaints."
"It saved my cats life."
"I pay about 65 a month for 90% reimbursement."
#8
Nationwide
4.2
(32)
"It’s the best deal i’ve found in my searching."
"I would highly recommend. Our Kepler boy ate three used tampons... I filed a claim and sent the documents from the vet and Nationwide cut us a check the same week."
"Nothing but positive experiences getting reimbursed."
"250$ deductible. 90% reimbursement."
"It’s been well worth it to us."
"Highly recommend."
"Full coverage wellness and sick, $250 deductible 90% payout. $36/mo, claims paid in 48 hours."
"Is pretty much the best one."
"Has covered multiple things from vet visits to hospital stays to x rays, surgeries and even putting down our last dog."
"We’ve had Nationwide for over 10 yrs now."
#9
Metlife
4.3
(28)
"My pet insurance covered it."
"I’ve never had them deny to cover something."
"It’s amazing, I can’t stop raving about it."
"The policy has paid itself each year."
"Best decision I ever made getting this insurance."
"I’ve actually never had a problem with MetLife."
"I will shill for metlife+wellness for all the small cost stuff and trupanion for all the big costs."
"Both are excellent. I prefer MetLife because it covers more."
"My mom’s dogs are on metlife with her work, and she was able to transfer from Nationwide -> Metlife with preexisting conditions that were covered by Nationwide."
"It’s different than just the 'multi pet discount' offered by others and was the best deal when I purchased mine."
#10
Spot Pet Insurance
4.8
(22)
"I went with Spot Pet Insurance since it covers accidents, illnesses, and even hereditary conditions—super helpful for an active breed like yours."
"Spot has been really helpful for them. Their dog is super active and once had a paw injury from running around."
"I have SPOT and so far so good. It’s been almost a year, never been denied."
"I decided to go with Spot pet insurance, and it’s been such a relief."
"Overall they were the best service and most informative."
"I’ve been using Spot pet insurance for my dog, and it’s been a great experience."
"Honestly, I’m so glad I did."
"I’ve been really happy with the switch!"
"I went with Spot, and it’s been great for peace of mind."
"It's definitely worth it!"
#11
Fetch
4.1
(18)
"I have fetch, love it."
"I've been really happy with Fetch!"
"We have Fetch and it's been absolutely amazing."
"I have mine thru Fetch and I pay around $50 a month for $15k a year coverage."
"FetchPet is good for comprehensive coverage and they also have a wellness package."
"Fetch had the best monthly rates and coverage we found."
"Check out Fetch Pet insurance. They offer comprehensive insurance plus you can add on their wellness plan."
"Fetch Pet is a solid option to consider. They offer comprehensive coverage and they have a wellness plan option."
"FetchPet is great for reasonably priced comprehensive coverage."
"Having it took some pressure off financially in a highly stressful moment."
#12
Unknown Pet Insurance
4.6
(15)
"Yes, 100%. My baby boy was insured and he ended up with bladder issues."
"My anxiety about my cat’s wellbeing has been greatly alleviated by having pet insurance."
"The monthly injection costs me £132 a month. My insurance costs £25 a month."
"It should pay for itself in the first year."
"It was more than worth it just in case anything happened."
"I would say it’s definitely worth it."
"I think it’s better to have it and not need to use it."
"Getting insurance seemed like a no brainer."
"ABSOLUTELY... YES!"
"Definitely. Worth every penny."
#13
ASPCA
4.1
(16)
"Highly recommend."
"Overall his ten year life paid about 7800 for insurance and was reimbursed."
"Great people. Responsive."
"They reimburse very quickly and have been great to work with."
"We use ASPCA insurance and love it. Never an issue submitting our claim and getting paid out."
"Friends and I use ASPCA. They used it with success."
"I ultimately switched all my pets to ASPCA. The cost was more reasonable to me but I also had better experience with emergency care."
"I've been happy with ASPCA so far."
"Takes dogs of any age!"
"Has been great for me."
#14
Figo
4.3
(12)
"They paid for everything and everything when my Atlas was still alive."
"We have Figo, and they’ve been great."
"Figo will insure senior pets!"
"Recently had a trip to the ER and they reimbursed about half of the $1200 bill."
"They have an agreement with Figo that reduces cost."
"The price seemed reasonable."
"It is definitely a good idea to have it as they are unfortunately predisposed to some health issues."
"I have figo through Costco and they just did a solid reimbursement for me."
"They were really easy to work with."
"I have been happy with them."
#15
ASPCA Pet Insurance
4.3
(7)
"They have never denied a claim."
"We got reimbursed the full 90% back within a few days of submitting the claim."
"Our neighbor had a good experience with ASPCA."
"ASPCA insurance covered my girl’s surgery."
"They specify that they still cover breed specific conditions."
"Covers 80% up to 5k per year."
"I went with ASPCA because they’re the only company I found that covers pre-existing conditions."
#16
PetPlan
4.0
(7)
"It covered everything."
"My FIV cat had petplan (now fetch). It really helped when he developed kidney disease."
"They are very good."
"We went with Petplan as whilst it was a little more expensive our vets practice will do direct claims with them and handle all the paperwork."
"Petplan and agria lifetime plans seem to be the most dependable."
"They have a section on their site for pre existing conditions and they say they will review each on a case by case basis."
"Sometimes cover pre-existing."
#17
Southern Cross
4.6
(5)
"I’m with southern cross and it’s been amazing."
"We've been happy with Southern Cross."
"I am with southern cross for $876.30 a year on petcare silver ribbon."
"We have southern cross pet insurance and the surgery etc to get it sorted cost a whopping 11k."
"I’m glad we kept him insured coz it’s getting expensive for him."
#18
Pets Plus Us
4.2
(5)
"I’m very happy with them, never had a claim denied."
"Great service and support for pet owners in Canada."
"It’s 128 CAD a month."
"Pets Plus Us is another common insurance that seems to reimburse owners quickly."
"Pets Plus Us appears to be Canadian and underwritten by Canadian corps."
#19
Pumpkin
4.8
(4)
"I have Pumpkin for my Dane and it's been a lifesaver."
"We use pumpkin - it’s about $39 a month and we have a $500 deductible."
"I have been reimbursed over $9,000 this year with several thousand more in claims coming."
"I'm happy with Many Pets tbh."
#20
PetsBest
4.3
(4)
"It’s 100% worth it. They reimburse me 80% of all costs."
"Pet's Best or Trupanion. Ask for a free quote."
"My cat got reimbursed almost $8k recently."
"My first Pets best renewal the price jumped from 40$ a month to 65."
#21
Animal Friends
4.3
(4)
"They paid out, via my vet, no questions asked within 48 hours every single time"
"Who seem to be well regarded."
"Id only personally use Animal Friends or Petplan."
"I was happy with them."
#22
AKC
3.5
(4)
"We love AKC insurance :) "
"Easy to file claims usually paid out in a few days."
"I am considering it since it will cover pre-existing after a year."
"Avoid akc, they are essentially a scam. Denying things that are clearly eligible and made me spend hours on the phone."
#23
MetLife
4.7
(3)
"MetLife pet insurance saved our asses! It covered 80% of our pet's surgery and reimbursements."
"The policy already paid for itself with reimbursements and their customer service is phenomenal."
"It pays 100% (illness/injury) but only up to 3k."
#24
Lemonade Pet Insurance
4.7
(3)
"I’m a huge proponent of pet insurance."
"It is 100% worth it."
"They've been excellent for Mars."
#25
AKC Pet Insurance
4.0
(3)
"I use AKC pet insurance. I like that I can choose the co pay and coverage amount."
"AKC Pet insurance will cover pre-existing conditions after you've been with them for a year."
"Is the only company to offer coverage for pre-existing conditions after 365 days."
#26
Pets Best Insurance
4.0
(3)
"PetsBest insurance will cover IVDD if no preexisting condition."
"Pets Best was slow but paid out everything for me last year."
"Got reimbursed 90% of the cost minus the deductible."
#27
PD Insurance
5.0
(2)
"Best decision I ever made."
"I pay $80 per month and $175 one-off excess for a new condition."
#28
Spot Pet
5.0
(2)
"They’ve been amazing, especially with my cat."
"Pet insurance is incredibly important, especially for first-time dog owners. It brings peace of mind."
#29
4menearme Pet Insurance Cost Calculator
4.5
(2)
"I recommend using this pet insurance cost calculator to estimate the costs for insuring your cats."
"I recommend using the pet insurance cost calculator."
#30
Allianz
4.5
(2)
"Allianz seem to be the best."
"FWIW, for Ireland, I recommend Allianz."
#31
Argos
4.5
(2)
"Hi wee use Argos it’s excellent xx"
"I'm with Argos, they've always paid out quickly, no questions asked."
#32
24PetWatch
4.5
(2)
"The insurance saved me a lot of money on my dog's surgeries."
"24PetWatch - it’s like $25/month. I’m very shocked at the comments bc I adopted a FIV+ cat 5 years ago and had no idea the FIV status was an issue with pet insurers."
#33
Chewy
4.5
(2)
"Chewy is only $35, which is a great deal compared to our ASPCA insurance for $280 a month."
"I’ve heard good things about Chewy’s pet insurance."
#34
Fetch Pet Insurance
4.0
(2)
"Personally I went with Fetch Pet insurance because they were able to give me the most coverage for a reasonable cost."
"I’ve had good, prompt payouts with Fetch for my previous dog and my current two dogs."
#35
Petsure
4.0
(2)
"Claimed once, they reimbursed it quickly and with no fuss"
"Petsure covers some pre existing conditions."
#36
Costco
4.0
(2)
"Yeah i got mine with costco it covers most things."
"I suggest getting it through Costco. Best price I could find for pet insurance."
#37
Pet's Best
4.0
(2)
"I have Pet's Best."
"I use pet's best. I forget 'exactly' why I picked them."
#38
Physicians Mutual
4.0
(2)
"I went with physicians mutual."
"They cover curable pre-existing conditions once 12 months passes."
#39
SPCA
4.0
(2)
"I’m with SPCA insurance (mainly due to a decent discount after adopting from them)."
"I’m with SPCA insurance (mainly due to a decent discount after adopting from them)."
#40
PetCover
3.5
(2)
"5 days later, all the money was reimbursed."
"That was petcover, but YMMV."
#41
Southern Cross Pet Insurance
5.0
(1)
"Southern Cross Pet Insurance - I have saved thousands."
#42
Insurance
5.0
(1)
"Insurance covered the costs of surgeries and cremation, allowing us to get our next pet."
#43
Woolworths
5.0
(1)
"Very happy with ours. $30 fortnight."
#44
Nationwide Pet Insurance
5.0
(1)
"The policy paid for itself when my girl needed surgery."
#45
Pawlicy
5.0
(1)
"This site compares companies based on the coverage parameters you provide."
#46
Pet Plan
5.0
(1)
"They are expensive BUT they won’t try to screw you over."
#47
Wagmo
5.0
(1)
"I use Wagmo."
#48
Dotsure
5.0
(1)
"They've been great at covering surgeries, x-rays, meds, etc."
#49
Trupanion Pet Insurance
5.0
(1)
"It covers 90% with no payout limits."
#50
Pets Best Pet Insurance
5.0
(1)
"Fully covered the $4900 surgery."
#51
MetLife Pet Insurance
5.0
(1)
"I love metlife pet. I had trupanion and they’re literally a scam."
#52
Best Pets
5.0
(1)
"I have best pets. We were a little skeptical of it... they sent me almost entire balance."
#53
ASPCA Insurance
5.0
(1)
"I use ASPCA insurance and the best part is for a few dollars a month more."
#54
Waggel
5.0
(1)
"We use Waggel, and we've had great experiences with them. They are always very responsive and pay out quickly."
#55
Southern Cross Pet
5.0
(1)
"I’ve got a lab and I have had her insured since I got her through Southern Cross Pet."
#56
Pet Partners
5.0
(1)
"It has been absolutely amazing."
#57
Many Pets Pet Insurance
5.0
(1)
"I'm happy with Many Pets tbh."
#58
Vets Choice
5.0
(1)
"Totally worth it imo."
#59
Cove Pet Insurance
4.0
(1)
"We're with Cove and they've been great so far."
#60
Patt and Shorince
4.0
(1)
"I feel that it’s a good choice."
#61
Pet Secure
4.0
(1)
"Pet Secure reimburses owners faster, but owners need to have funds available."
#62
Sainsbury's
4.0
(1)
"Sainsburys sounds really decent."
#63
Pumpkin Insurance
4.0
(1)
"Pumpkin Insurance has been beneficial for my dog's health care, especially during emergencies."
#64
Fetch Canada
4.0
(1)
"I use Fetch Canada. Fair pricing and all sorts of plans."
#65
ASPCA, Lemonade, Pets Best, Figo, Nationwide
4.0
(1)
"The ones I've quoted with before are ASPCA, Lemonade, Pets Best, Figo, and Nationwide."
#66
CarePlus
4.0
(1)
"They’re great and have lots of benefits."
#67
ASPCA Pet Health
4.0
(1)
"It covers most things and about a 70% return."
#68
Met Life
4.0
(1)
"I got everything reimbursed plus a death benefit."
#69
Direct Line
4.0
(1)
"Direct Line paid our claim for the anti venom when our dog was bitten by an adder."
#70
Fursure
4.0
(1)
"Gives me peace of mind that my boy is covered!"
#71
ManyPets
4.0
(1)
"ManyPets has been pretty good."
#72
AKC Insurance
4.0
(1)
"Most pet insurance companies bill you monthly... you might try AKC insurance."
#73
Pet Cover
4.0
(1)
"I’m with pet cover and it has a $150 excess for $15k cover."
#74
AA
4.0
(1)
"We've gone with $15k cover initially to get us through the first few years."
#75
Figo Pet Insurance
4.0
(1)
"I’ve liked them so far."
#76
Green Cross
4.0
(1)
"It's not insurance it's a cover that discounts treatment."
#77
Pet Insurance Cost Calculator
4.0
(1)
"For an affordable pet insurance estimate, I recommend using this pet insurance cost calculator."
#78
Safeco
3.0
(1)
"The average policy is about $50 a month for accident, illness, and wellness."
#79
PetFriends
3.0
(1)
"I'm with Pet Friends, and thought their top cover would be good but had to pay about £1,200 of my own money."
#80
CAA
3.0
(1)
"Check through CAA. They keep spamming me with emails but I haven't checked to see who the carrier is."
#81
RACQ
3.0
(1)
"However, they all have some very fine print."
#82
SG
1.0
(1)
"Agree with other commenter- SG pet insurance options are pretty crap."
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