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pets
•Updated 5mo ago

Best Dog Insurance

Best Dog Insurance - Trupanion Leads Direct Pay Despite Premium Hikes

TL;DR: Trupanion leads on direct pay but suffers from steep hikes; Pets Best is the value pick if you can tolerate slow claims; Lemonade offers fast AI payouts but strict pre-existing exclusions; MetLife excels for multi-pet families; AKC covers pre-existing conditions after 1 year; expect premium increases universally as pets age

5.9K comments analyzed
r/petinsurancereviews
1
Trupanion

Trupanion

93

TL;DR: Direct payment to vets; per-condition lifetime deductible; higher monthly premiums; excellent for catastrophic coverage

392
215
•191 positive•15 neg
2
Pets Best

Pets Best

90

TL;DR: Competitive pricing; slower claim processing; unlimited coverage options; optional wellness add-ons

245
130
•112 positive•11 neg
3
Lemonade

Lemonade

88

TL;DR: Fast AI-driven claims; competitive base rates; user-friendly app; strict pre-existing condition exclusions

166
90
•77 positive•9 neg
4
MetLife

MetLife

86

TL;DR: Offers family plans; covers preventative care well; good for multiple pets; claims take 1-2 weeks

34
57
•53 positive•3 neg
5
Spot

Spot

84

TL;DR: Highly customizable plans; preventative care options; quick reimbursement; recent reports of price increases

93
51
•44 positive•4 neg
6
Embrace

Embrace

83

TL;DR: Orthopedic waiver available; diminishing deductible; good for dental coverage; complaints about premium hikes

122
49
•42 positive•6 neg
7
Nationwide

Nationwide

80

TL;DR: Covers exotics; employer benefits common; recently dropped many policies; changing reimbursement rates

86
52
•38 positive•13 neg
8
Figo

Figo

79

TL;DR: Costco discount available; 100% coverage options; 24/7 vet chat; mixed reviews on claims experience

63
41
•31 positive•9 neg
9
ASPCA

ASPCA

78

TL;DR: Reliable coverage; covers some behavioral issues; older provider with stable reputation; sometimes slow

44
31
•26 positive•4 neg
10
Healthy Paws

Healthy Paws

75

TL;DR: Unlimited lifetime caps; historically reliable; severe premium increases for seniors; does not cover exam fees

166
98
•69 positive•26 neg

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