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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 10

claims

This company is to difficult to deal with. You send them all the info from your vet and they ask for more. You cannot get them anymore info than the doctors notes, the issue & solution & the receipt, what more is there. I will go to another company. Save your money & keep your blood pressure down, find a different company.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: 1 - 8

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1

out of 10

"Fell between the waiting period"

I adopted a healthy dog from the shelter. We were told to bring her to the vet the first week we got her, healthy visit. Not covered. Then 3 weeks later she got colitis, not covered. I contacted 24PetWatch twice asking why nothing was covered and this is what I was told."That policy gives coverage for accidents effective the first day of coverage. There are also several illnesses eligible for reimbursement effective the 3rd day of coverage and effective the 31st day, any illness and any accident (as long as it is not pre-existing) would be eligible for reimbursements. The particular claim you submitted was not covered because it fell during the waiting period." Pointless and a waste of money. So I canceled. No point in getting insurance if you don't cover my dog.
  • INSURER: 24PetWatch
  • POSTED: 04/23/2018
  • BY:
  • BREED: Border Collie
  • AGE OF PET: 1 - 8

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3

out of 10

Misleading policy

When I bought coverage for my Havanese puppy I knew that Healthy Paws did not cover regular exams, vaccinations, etc. It is meant to cover catastrophic situations, yes. After almost a year of coverage I submitted a claim, and found, to my surprise, that no vet exam is covered at all. This is not stated clearly. After all, a dog who has been hit by a car or who is vomiting blood still has to be diagnosed, and thus must be seen by a vet. Not covering that part of the emergency treatment means that my deductible goes up from $100 to about $160. Now my premiums are set to go up from $38 to $45, as well. Really, pretending every vet exam is of equal relevance is a deceptive policy.
  • INSURER: Healthy Paws
  • POSTED: 06/27/2018
  • BY:
  • BREED: Havanese
  • AGE OF PET: 1 - 8

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10

out of 10

NO PAYOUT LIMITS!

#1 reason why I LOVE this insurance.... NO PAYOUT LIMITS and 90% COVERAGE! Seriously! Our dog is at over $100,000 paid out for her entire lifetime with this policy! Also, they have been so NICE to be able to pay my vet directly so I don't have to pay my entire bill and wait for reimbursement.Thanks Trupanion!!!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siberian Husky
  • AGE OF PET: Over 8 years

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10

out of 10

no hassle claim processing

Our experience with Embrace has been, excellent! Contrary to the general belief about insurance providers, Embrace staff has been very helpful and did not look for reasons to decline our claim or reduce the claim amount. All the terms and conditions were clearly stated upfront while issuing the policy and advice was also provided to reduce any risks and obtain wider coverage.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Lhasa Apso
  • AGE OF PET: Over 8 years

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10

out of 10

Great customer service!

I am a first time pet owner and using Embrace was a relatively easy process for me when my dog had an emergency visit resulting in a couple costly procedures. I am extremely satisfied with how timely my claim was processed after I gave followup information.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pomeranian
  • AGE OF PET: 1 - 8

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9

out of 10

Blessing!

We're greatful for the service and coverage with Embrace. When our newly adopted puppy "Rylie" was stung by a Bee and had respitory issues from it, we started out for our Vet and did not make it there but instead pulled into the closest Vet we could find. They welcomed us with opened arms and helped save the day. Embrace was awesome about covering that emergency without a problem. I even waited to turn in paperwork with other claims and it was taken care of. This is the first time I have bought pet insurance and so far it's a great expierence.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dachshund
  • AGE OF PET: 1 - 8

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10

out of 10

Simply the Best

I had another insurance with my other Newfie. They only paid a specific amount for a procedure. Which doesn't work well when they say they only pay 1000 and the procedure is 3000....so when I got this puppy, I chose Embrace because they will just pay what ever plan you chose. You chose a yearly $$ limit and $$ deductible. This way I can use any vet etc, and not worry about the exact price. Sage became very ill and we were at OSU for awhile. Embrace has paid every bill 80%...which thus far has been $4712.37. I can not express how comforting it is to have your dog treated where ever necessary to make sure they get well and survive. Sage is doing awesome at this time.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Newfoundland
  • AGE OF PET: 1 - 8

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9

out of 10

Cocoa

Even though I have to pay the full amount of expenses out of pocket it is great peace of mind to know you will get more than half back (of course depending on your plan). Customer Service has called back twice to find out about Cocoa's status and that is priceless to me. Thank you ASPCA for being there for me and my babies!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siamese
  • AGE OF PET: 1 - 8

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9

out of 10

Great Price

Pet Insurance policies can be outrageously expensive these days and ASPCA has really great inexpensive options. I have had two of my dogs insured with them for years and the claim processing has always been fast and easy. Great customer service at a great price.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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