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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.

5

out of 5

All that I thought it would be

We recently took a trip to Georgia to visit our daughter and her family. During our stay our dog Nico who is a Shih Tzu became ill. We didn't know how serious it was until the third day when he stopped eating and began vomiting and diarrhea with blood. It happened to be the fourth of July weekend and the only vet that was opened was the emergency vet. We took Nico and they diagnosed him to have a upper GI infection and that he would have to stay overnight. They estimated the bill to be approximately $700. The doctor said he would let us talk about it before making a decision. In our eyes there was nothing to talk about. We wanted Nico to have the kind of treatment he needed no matter what. The vets were great with him. He stayed overnight and was treated with antibiotics, IV for liquids and also for food. After picking him up and making the trip back home, I submitted the bill to ASPCA and they were all I thought they would be. The vets gave us an itemized bill for his stay which came to 697.00. I turned this into the insurance and within 4 weeks they covered 80% minus my deductible. We didn't need to choose like most of us do when you are presented with an emergency illness. Pet insurance should be the first thing you think about when buying an animal. I would not be without the coverage and peace of mind.
  • INSURER: ASPCA
  • POSTED: 09/23/2010
  • BY: Barbara
  • BREED: Shih Tzu
  • AGE OF PET: 7 - 10

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1

out of 5

As bad as you can get

I had this company for over 8 yrs..never filed any claims..i was lucky..my pets had not gotten sick. My policy period started on march 1st. This company starts the policy period over EVERY year. My cat was diagnosed with kidney failure on march 17th...now i should have been covered for ALL of his bills that entire year..BUT Petshealth said that even though he was diagnosed on the 17th of march..the condition was there prior to the policy period of march 1st. In other words they didn't want to pay. They said that even though i didn't know about the kidney failure in there opinion it was there before the 1st of march and therefore was NOT covered. So then i sued in small claims court. Before the court day their attorney called and said i was going to lose,,,i said i'll take my chances..the attorney said that i had to prove the cat wasn't sick before the 1st of march...i told him..NO I'M SUING YOU...YOU HAVE TO PROVE THAT HE WAS SICK BEFORE THAT....let's just say they settled out of court..and the following year they chose not renew any of my policies. I now have gopetplan and there just isn't anything better out there..read the reviews on them and everything is true..they simply are the best AND in some states they insure older animals...i was able to insure my 15 yr olds!
  • INSURER: ASPCA
  • POSTED: 09/23/2010
  • BY: Lee
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 11 years

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5

out of 5

Great to have for your pet

This is the first time I had pet insurance and I have found it great to have. Both of my dogs were sick this year one had dog flue and one had pneumonia and the doctor bills sure can mount up so it sure helps to have pet insurance to help out.
  • INSURER: ASPCA
  • POSTED: 09/23/2010
  • BY: Joan
  • BREED: Dachshunds
  • AGE OF PET: 7 - 10

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5

out of 5

comments

If it wasn't for aspca insurance for t-bone and painter I would not beable to maintain their good health, especiallt with t-bone with his ear infections since he has long ears. MY vet even comends the aspca health insurance, he say's it is the best. THANX AGAIN ASPCA Roberta Simpson and t-bone and painter
  • INSURER: ASPCA
  • POSTED: 09/23/2010
  • BY: Roberta
  • BREED: Bloodhound
  • AGE OF PET: 7 - 10

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1

out of 5

Poor coverage

My older lab developed cancer. We were told we could extend her life with surgery and chemo. We went ahead and had the surgery, but we were too late, and lost her a week later. ASPCA insurance has a PER INCIDENT maximum. They counted all her exams as well as the surgery as a single incident. We were only reimbursed for a fraction of the cost. I recommend that you look for insurance that does not include the per incident maximum. (They also only covered "reasonable costs" which were usually far less than my vet charged.)
  • INSURER: ASPCA
  • POSTED: 09/23/2010
  • BY: Holly
  • BREED: Labrador Retriever
  • AGE OF PET: Over 11 years

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5

out of 5

Your dog deserves the best

My dog had a reaction within a half-hour of having had a rabies shot. She got extremely sick in the car going home. Having had a previous history of pancreatitis, I decided to take no chances. I turned around and went right back to the vet's office. A complete medical panel was done including ALT, ALKP, AMYL, BUN, CREA, GLU. Fortunately, everything was negative. It so happens that the cost of doing this complete panel was just about the cost of the deductible on her policy. However, the ASPCA customer service representative assured me that if my dog continued to have any further reactions to the vaccine to please submit a claim because everything else would now be covered. I wouldn't hesitate to give my dog the best treatment regardless of whether she did or did not have insurance, but it was a nice feeling to know that the ASPCA Pet Health Insurance plan was there to help inany case. I would recommend them highly.
  • INSURER: ASPCA
  • POSTED: 09/23/2010
  • BY: Robert
  • BREED: Yorkshire Terrier
  • AGE OF PET: Over 11 years

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5

out of 5

ASPCA a Fabulous Investment

I am the proud owner of 3 dogs and a cat. Shortly after I adopted my pug puppy, he jumped off a step and broke his growth plate, requiring surgery. It cost me over $3,000 out of my own pocket. I decided then and there to purchase insurance from ASPCA. About 10 months later, my cat got sick and it turned out she had a golfball sized struvite stone in her bladder. For a 4 pound cat, that was giant. We had her surgery, and made the claim to ASPCA. Within 4 weeks, we were reimbursed and the entire incident only cost us about $150 out of pocket. Not 6 months later, my border collie required surgery for struvite stones. If you love your pet and plan to provide good medical care for them, you're asking for trouble by not carrying insurance.
  • INSURER: ASPCA
  • POSTED: 09/22/2010
  • BY: Chasey
  • BREED: Domestic Longhair
  • AGE OF PET: Over 11 years

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1

out of 5

Shady, Ignorant and Dishonest

When I adopted my puppy, he had a bacterial skin infection known as Pyoderma, which Embrace did not cover as it was pre-existing. Fine. 9 months later, my dog began to lick his paws, which the vet determined was due to allergies. Since both pyoderma and allergies share a symptom- itchy skin- Embrace has denied my claim for allergies and is saying that it's a "pre-existing condition" even though my dog was never previously diagnosed with or treated for allergies. It's absolutely ridiculous, I couldn't be more displeased or dissatisfied- they took over 2 weeks to respond to my claim and didn't even do their homework regarding my dog's previous conditions. BE FOREWARNED- all that glitters is not gold, and Embrace DOES NOT deliver what they promise.
  • INSURER: Embrace
  • POSTED: 09/22/2010
  • BY: Catie
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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5

out of 5

Excellent!

I have been extremely happy with ASPCA Insurance. I have had it approximately 2 years now. The claims are paid immediately. Whenever I call I get through right away to an agent. Everyone has been very nice to deal with and they always try to help me. I have recommended them to all my friends.
  • INSURER: ASPCA
  • POSTED: 09/22/2010
  • BY: Charlotte
  • BREED: Pomeranian
  • AGE OF PET: 7 - 10

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1

out of 5

rate increase

Not happy with my $120 rate increase. My 3yo GSD had no major health issues last year (we made 1 claim that ate up our deductible, so we never even tapped into the insurer's money). For the same exact plan today our premium went from $420 to $587/yr. Not acceptable. Embrace never notified me to warn me that my policy was coming up for renewal, either. Had I not asked, they were going to automatically renew & bill my CC at the new rate. WTF is that all about? I called them and spoke to a rep to ask about the rate increase. He had no real answer, and mentioned something about a "book of business" as a premium model....or something like that. When pressed, he mentioned something about basing my premium on other dogs claims. So...now my premium increase has nothing to actually do with MY dog? Dead silence on the other end of the line. I immediately canceled my policy. The customer service doesn't seem to really have a clue as to what they are doing, and I need a company that's got it's shit together when it comes to the health and well being of both my dog and my wallet.
  • INSURER: Embrace
  • POSTED: 09/21/2010
  • BY: orion's
  • BREED: German Shepherd
  • AGE OF PET: 7 - 10

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