With a growing range of cat and dog insurance policies on the market, it can be hard to find the best pet insurance to suit your individual needs and budget.

We enable pet owners to share their experiences of some of the leading pet insurance providers, so as well as being able to compare the best pet insurance plans available based on cost, levels of coverage, exclusions and deductibles, you can read thousands of pet insurance reviews from other owners across the U.S. and Canada.

Our helpful pet insurance reviews can help ensure you find a policy that’s right for you.

 

10
Out of 10
Recommended

Great customer service

Posted: 09/13/2021
By:
Heather
Linge

We recently received a diagnosis for both of our cats that they had kidney disease before the age of 4. After a rollercoaster of a month, we are lucky to say this diagnosis was not correct. We had multiple claims for two pets through the course of 8 weeks, and all claims were processed in a reasonable amount of time with no issues. It’s great to be able to have an insurance company you can rely on, especially when you are going through turmoil with your fur babies.

Injury/illness
Claim Amount
Breed

Maine Coon

Age of Pet
1 - 8
2
Out of 10

Very slow

Posted: 09/13/2021
By:
Megan
Jamieson

They are a good company at heart but they are incredibly slow on reimbursements. It used to take 1 or 2 days and now it takes 3-4 weeks. If I had known it would be this bad I would not have joined. The whole purpose of insurance is to assist with costly vet bills and it's almost pointless when you don't even get your money back for an entire month.

Injury/illness
Claim Amount
Breed

English Bulldog

Age of Pet
1 - 8
1
Out of 10

Scam artists

Posted: 09/12/2021
By:
Jennifer
Datres

I have had three dogs insured by embrace for several years. Their claims process was fairly simple, deductible options were fair, payouts of course are never 100% but options were clear. Luckily I have not had to submit very many claims on any of my three dogs for the entirety of the policy and my yearly payment jumped up almost $600 in 2020 and Another $600 for this year. Their suggestion was to increase my deductible and decrease the maximum amount payout and decrease the percentage of pay out I get. Making one slight adjustment to raising my deductible up a level, decreasing their level of responsibility down $2000 and decreasing the percentage they cover, dropped it only $15 on one dog. That’s it. So their explanation was due to my pets age and location I live they have to raise the premiums on that scale. In other words we will take your money for years on end while you file no claims because they are young, then, we will raise your premiums to the point you can’t pay them any longer when they are older and the chances of us needing to pay YOU out, get higher, so we will raise it so much that we would rather you cancel the policy and you just put your dog down and we keep all your money that you paid for years having a false sense of security and ensuring your dogs health needs are met and covered. I guess it’s my fault for not reading some fine print somewhere that said we can hike up your rates endlessly because we are getting worried your dog is getting old and we might need to pay you some money back. I will be looking elsewhere for a new policy that will no doubt gouge my eyeballs out as well but at least I will go into it knowing that upfront. Also if you ever need to get customer service to respond to you, they don’t.

Injury/illness
Claim Amount
Breed

Mixed Breed Medium (20-70 Lbs)

Age of Pet
Over 8 years
10
Out of 10
Recommended

all pets need protection

Posted: 09/12/2021
By:
jill
cyree

None

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
1 - 8
10
Out of 10
Recommended

Recommend 100% for any pet owner!

Posted: 09/12/2021
By:
Jennifer
Rivera

My English bulldog is 11. I have had this insurance for him since 3 months old when I got him. I HIGHLY recommend this insurance. It has definitely helped me especially recently, when he needed a major surgery and now presently getting diagnosed with cancer. His earlier years I didn’t have many claims but now I do and they understand this is a family member. My dog is my baby and he gets the best possibly treatment I can give him. Claims are simple to upload and submit. Highly highly recommend.

Injury/illness
Claim Amount
Breed

English Bulldog

Age of Pet
Over 8 years
10
Out of 10
Recommended
Verified

The best pet insurance ever

Posted: 09/12/2021
By:
Katie
Barner

Our dog suffers from seizures. His medication is over $100/month. Trupanion covers 90% of it!

Injury/illness
Claim Amount
Breed

German Shepherd

Age of Pet
Over 8 years
1
Out of 10

Astronomical Premium Increases Each Year

Posted: 09/12/2021
By:
Leslie
Croland

The monthly premium increased dramatically each year starting in 2013 from about $35 per month to their new proposed premium of $143 per month. Several other top rated companies have offered me the same coverage for my 8 year old dog in the $45 range. I have made only a few small claim over the 7 plus years I have had my dog insured. I urge everyone to avoid using Healthy Paws insurance.

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
1 - 8
10
Out of 10
Recommended

Approved Claim within 2 weeks

Posted: 09/12/2021
By:
Jan
Kummert

Submitted my claim online and it was approved and reimbursed within 2 weeks. Easy and convenient. Excellent service.

Injury/illness
Claim Amount
Breed

Dachshund -long haired

Age of Pet
1 - 8
1
Out of 10

This is not the best it's a fraud and should be ashamed to have its name!

Posted: 09/11/2021
By:
Christopher
Freeman

It took over a full month to process 1 claim and I was not one reached out to. They barely covered 28% of the visit and gave some unlogical reasons on why. This is such a fraud and scandal. I will be submitting a course of action through my employer so this doesn't happen to hard working Americans.

Injury/illness
Claim Amount
Breed

Mixed Breed Medium (20-70 Lbs)

Age of Pet
1 - 8
10
Out of 10
Recommended

Always accurate and responsive

Posted: 09/11/2021
By:
Art
Crane

I bought coverage for my dog, Scooter and not long after, he became diabetic. As a result, I had frequent claim submissions which were always paid accurately with communication throughout each step.
We lost Scooter recently and incurred significant expenses. Pet's Best paid all claims promptly and immediately issues a refund of unused premiums paid.
In all the years I had their coverage, I never found any fault in any of my interactions with them. Highly recommend.

Injury/illness
Claim Amount
Breed

Mixed Breed Large (70–90 Lbs)

Age of Pet
Over 8 years