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Pet Insurance : Ratings of Sources

By: Amy Livingston on October 16, 2015

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Pet Insurance: Ratings of Sources

Kimberly Kurimski, September 25, 2015

This review compares eight top providers of pet insurance. Reviewer Kimberly Kurimski gives each provider one to five stars for policy coverage, customer service and reputation, timeliness of claim payment, and price, then averages them together to get an overall score. Her information on customer service and claim payment appears to come from consumer reviews at Yelp.com and ConsumersAdvocate.com.

, As of October 2015

This site ranks pet insurers based on a 100-point scoring system. It gives the highest weight to the clarity of a plan's terms, exclusions, price, and customer ratings gathered from third-party websites. Each plan gets a percentile rating and a short write-up, and a detailed review summarizing coverage, exclusions, service, and company profile. A separate page compares the pros and cons of the three top-rated plans in detail.

Contributors to PetInsuranceReview.com, As of October 2015

This site publishes reviews and ratings from pet owners who have insured their pets. Popular plans, such as Healthy Paws, Petplan, and Embrace, receive thousands of individual reviews. You can see how many comments each plan has received, and what the overall rating was, over the past 60 days, one year, and the lifetime of the site. However, there's no way to sort the individual reviews based on age or helpfulness.

Editors of ConsumersAdvocate.org, Not dated

Editors at ConsumersAdvocate rate pet insurance companies based on five factors: comprehensive coverage, benefit limits, deductible type, payout limit, and verified reviews from customers on sites such as Yelp, Angie's List, and Facebook. These five factors are weighted to give each company a rating on a 10-point scale. However, the site warns that it does "receive compensation from some partners," possibly undermining objectivity.

Editors of TopConsumerReviews.com, Not Dated

Editors compare and rank eight pet insurance plans based on coverage, cost, and customer service. They imply that they have actually dealt with the customer service departments personally, but they don't say so outright. Reviews don't compare the plans directly, and while most reviews note both pros and cons, the write-ups for the top plans are a bit overly positive. A short buying guide is included.

Frances Wilkerson, Not dated

Veterinarian Frances Wilkerson offers in-depth reviews of 12 pet insurers. Her description of each company summarizes plan inclusions and exclusions, describes payout structures, and lists "good points" and "gotchas." Write-ups are thorough but based only on the plans themselves; she doesn't consider customer experiences or compare plans directly. It's also unclear how often the information is updated.

Editors of Organic Pet Digest, Not dated

Editors at this natural dog care site look at the four pet insurance companies they deem "most reputable." However, it's not clear how they came up with their picks, since some of the recommended companies here don't fare well in other reviews -- and at least one isn't covered anywhere else at all. Also, since the review isn't dated, it's not clear whether the comments about different plans are still accurate.

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What every best Pet Insurance has:

  • Comprehensive coverage.
  • Clear exclusions.
  • Customizable coverage levels.

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