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Pet Insurance Reviews

Brandon and his dog Oscar

See which companies have the highest customer satisfaction and read what pet owners have to say about their experience with pet insurance.

Rank Company Score

 

#1
 

Healthy Paws Pet Insurance

5,364 reviews

"They're rated the best because they are the best."

Read Anna's Review


98%

 

#2
 

Veterinary Pet Insurance

5,740 reviews

"Torn knee ligaments - claim paid as advertised."

Read Claire's Review


95%

 

#3
 

Embrace Pet Insurance

10,380 reviews

"Saved over $4,300 on Magruff's hip surgery."

Lou & Kim's Review


92%

 

#4
 

Petplan Pet Insurance

6,133 reviews

"Such a wonderful claims experience."

Read Tanner's Review


91%

 

#5
 

Pets Best Insurance

3,076 reviews

"I'll tell you, Pets Best is a real life saver."

Read Terri's Review


90%

 

#6
 

Trupanion Pet Insurance

8,489 reviews

"Trupanion is truly great company to work with."

Read their Review

 

90%

 

#7
 

Figo Pet Insurance

295 reviews

"Claims app is super easy to use."

 More about Figo

 

89%

 

#8
 

ASPCA Pet Insurance

4,604 reviews

"Prepared for the unexpected."

- Paul, MA

Read Paul's Review


86%

 

 

#9
 

PetFirst Pet Insurance

1,562 reviews

"PetFirst is truly first rate"

Read Julia's Review



77%

 

 

#10
 

PetPremium Pet Insurance

445 reviews

"New company is really good"

Read J.P.'s Review



75%

 

#11
 

AKC Pet Insurance

1,910 reviews

"Veterinary care is very expensive"

Read Candice's Review


70%

 

 

#12
 

24PetWatch Pet Insurance

2,791 reviews

"I'm glad we got insurance for Spencer"

Read More Reviews

 

 

40%


Sources of Reviews

Customer satisfaction percentages in the table are based on 51,226 reviews collected from all the leading, independent websites. Reviews are collected and reviewed on a monthly basis to ensure ratings are up-to-date. PetInsuranceQuotes.com, Better Business Bureau, PetInsuranceRatings.com, Angie's List, Yelp, Facebook Reviews, Pet Insurance Review, ShopperApproved, TrustPilot, SiteJabber, Google Reviews, Consumers Advocate, Reddit, Consumer Reports, Yahoo Answers, Quora.


Customer Satisfaction Calculation

All sources of reviews use different scoring methods, so we converted them all to a simple 100% scale. This ensures that our customer satisfaction ratings are apples-to-apples. For example, Google uses a five-star review system, so we just multiple each review by 20 to get a 100% scale. Our customer reviews are based on a 10 point scale, so we just multiple all of our review by a factor of 10. In every case each individual review is worth the same amount, regardless of the source. This ensure the most accurate and fair representation of each company.


Customer Reviews

 

Buster & Anna

"They're Rated the Best and I Can Tell You They Are the Best!"

"Buster is very active for a Bulldog. I love him dearly and knew that pet insurance was something I wanted him to have. I essentially chose Healthy Paws because they have the best coverage and the highest customer ratings..." Read Buster's Full Story

German Shepherd dog posing with his owner

"Baron and Veronique's Story"

"Baron was about one year old when I adopted him almost 7 years ago. He was malnourished likely abused and neglected as a puppy. He had a rough start to life from what I was told. I quickly learned Baron was going to be quite a project for me..." Read Baron's Full Story


A Note on Customer Reviews


Pet Health Insurance Reviews Are Helpful But Shouldn't Be The Only Factor

Reviews are a great way to learn more about pet health insurance. Good reviews give you a sense of which companies do a good job and bad reviews give you a sense of which companies to avoid. However, pet health insurance reviews should only be one small factor in how you make your decision.

The fact is some pet owners get disgruntled by a company for not paying a claim in time or making a billing mistake. I think we all know how people can be when you open up the “comment box.” Unfortunately, like many other industries and services, the majority of pet insurance reviews come in two extremes.


Super Happy and Super Angry

Pet insurance ratings and reviews don't tell the whole story. Super happy customers will usually provide a review for a product or service after they’ve been treated beyond expectations and they receive a timely invitation to provide a review. For example, imagine you purchase a policy and 2 months later your dog breaks his leg. You rush him to the vet hospital and they say the surgery is going to cost $5,000. You’re devastated but relieved because you just purchased a policy from Healthy Paws.

Two weeks after the accident Healthy Paws sends you a check for $4,400 and a nice note checking up on your dog. They also ask you to take a minute to fill out a review online. You are so ecstatic with the situation you take a few minutes and write a nice review. Super angry customers are just the opposite. In some cases their frustration is warranted but we all know a few people in our lives that are impossible to please. And we also know these are the people who complain the most and take the time to fill out a nasty review. In this example the person submits a claim for arthritis treatment for his dog 2 months after enrolling.

Healthy Paws sends a notice back that the claim was denied because his dog had arthritis prior to enrolling, which is a pre-existing condition. Pet insurance does not cover pre-existing conditions and pet owners are warned several times before purchase. So instead of accepting responsibility this person goes online and writes a scathing review of Healthy Paws. According to this pet owner they are the worst and pet insurance is worthless. Same company, two very different perspectives.

And in this extreme example a 10/10 pet insurance rating and a 1/10 pet insurance rating would result in an average rating of 5.5 / 10. We’re not trying to discourage you or reduce the value of pet health insurance reviews. The key point is that they are a great data point but you should make your final decision based on coverage features and experts who can find you the perfect plan.


Pet Insurance Ratings


We pull together all these review in order to create pet insurance ratings for each company. Each of the sources of reviews we use have different rating scales so we have to calculate all the customer satisfaction ratings into a percentage. This provides a simple, trusted, apples-to-apples comparison to give you a good idea of which companies to focus on, and which companies to avoid!

 

Related Content: Best Pet Insurance Companies


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Edited by: Nick Braun


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