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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.

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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4

out of 5

So far so good

I had my first claim and everyone has been very nice - good communication through email and if there's a problem they will respond back within one day. I'm waiting for my first check and they said I should receive it in 10 days. So far so good!
  • INSURER: Embrace
  • POSTED: 09/21/2010
  • BY: Alisha
  • BREED: Domestic Shorthair
  • AGE OF PET: 7 - 10

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3

out of 5

Claim

This is my first claim to Embrace. My dog, Lilly, came down with a bleeding condition which was diagnosed at colitis and I was pretty happy with the claim process. I did, however, have to scan all of her previous medical documents to Embrace, which I had not been told I would have to do when purchashing the plan. I also did not realize that medications to treat the condition were not covered, so I am still $100 away from her deductible. I also did not receive my response in the stated 15-day time period, but upon writing to my agent, I received an immediate response. The claim result was easy to read and easy to file away electronically.
  • INSURER: Embrace
  • POSTED: 09/21/2010
  • BY: Lori
  • BREED: Shih Tzu
  • AGE OF PET: 7 - 10

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5

out of 5

So pleased!

I have all three of my cats insured with Embrace for the last two years. While we haven't had any major medical events (thank goodness) we have had a few minor scares. Embrace has been great every time. They keep me updated on every step of the claims process. They are easy to reach. I feel like I have my own personal rep who answers my emails quickly. I've never had a problem with a refund and I'm so happy we are covered through Embrace.
  • INSURER: Embrace
  • POSTED: 09/21/2010
  • BY: Kristen
  • BREED: Domestic Shorthair
  • AGE OF PET: 7 - 10

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5

out of 5

Incredible Coverage

Embrace is the first pet insurance I've purchased. I looked into many pet insurance companies and thought Embrace was by far the best coverage for the least amount of cost. My husband and I purchased two puppies from a very poor breader, which we learned very quickly. My girl, Willow, had to have surgery on both her knees after just a few months of joining our family (each knee surgery cost between $3,700 - $4,700). She had one knee repaired and Embrace paid the entire invoice after our $500 deductible. About two months later she had her other knee repaired and Embrace paid the entire amount; nothing out of pocket for us. When our renewal came around, I thought the premium would go up but it actually went down. Amazing pet coverage at an amazing price. Now my boy, Dutch, is experiencing the same issue and will need surgery on his right knee; thank goodness I purchased Embrace because I know I'm covered. Try Embrace, there are many options to choose from, and I know anyone who has this coverage will be very pleased. Thank you Embrace.
  • INSURER: Embrace
  • POSTED: 09/21/2010
  • BY: Marlo
  • BREED: Staffordshire Terrier
  • AGE OF PET: 7 - 10

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5

out of 5

excellent

I thank god for Trupanion they are aware how we love our pets and conduct every question with courtesy, caring, immediate response, they should have insurance for humans I would sign right up thank you
  • INSURER: Trupanion
  • POSTED: 09/21/2010
  • BY: Cynthia
  • BREED: Neopolitan Mastiff
  • AGE OF PET: 7 - 10

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5

out of 5

excellent

I thank god for Trupanion they are aware how we love our pets and conduct every question with courtesy, caring, immediate response, they should have insurance for humans I would sign right up thank you
  • INSURER: Trupanion Canada
  • POSTED: 09/21/2010
  • BY: Cynthia
  • BREED: Neopolitan Mastiff
  • AGE OF PET: 7 - 10

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5

out of 5

Fantastic!

We have two dogs who have unfortunately had a number of health issues and we have been so fortunate to have Trupanion as our insurance company. They have been a life saver (literally) in helping us financial cope with the challenges our dogs numerous health issues have cost in the last 5 years. They are fast, efficient, and true to their word about what they will cover. Our dogs may not have made it through their health challenges if trupanion wasn't there helping us. We would highly recommend this company to anyone seeking insurance for a beloved pet.
  • INSURER: Trupanion Canada
  • POSTED: 09/20/2010
  • BY: Lindsey
  • BREED: Newfoundland
  • AGE OF PET: 7 - 10

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5

out of 5

Fantastic!

We have two dogs who have unfortunately had a number of health issues and we have been so fortunate to have Trupanion as our insurance company. They have been a life saver (literally) in helping us financial cope with the challenges our dogs numerous health issues have cost in the last 5 years. They are fast, efficient, and true to their word about what they will cover. Our dogs may not have made it through their health challenges if trupanion wasn't there helping us. We would highly recommend this company to anyone seeking insurance for a beloved pet.
  • INSURER: Trupanion
  • POSTED: 09/20/2010
  • BY: Lindsey
  • BREED: Newfoundland
  • AGE OF PET: 7 - 10

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5

out of 5

Glad I Have Pet Insurance

I researched what people said about their pet insurance and I picked Embrace over 2yrs ago and never filed a claim. The nay sayers said why do you have pet insurance? I didn't want to have to decide between having to treat a dog or dealing with a big bill. Recently Baxter my 3yr old dog has sores on his feet that need a biopsy. So far the insurance has covered everything it said it would. It has been worth every cent.
  • INSURER: Embrace
  • POSTED: 09/20/2010
  • BY: Theresa
  • BREED: Terrier Mix
  • AGE OF PET: 7 - 10

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