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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

Verified

Insure your fur kid young or right when you get them and you'll be thrilled with this company!

This is probably the 5th review I've written for Trupanion...and honestly I owe them about 10 more. I have 7 animals insured with Trupanion...1 cat and 6 dogs. All of my fur kids were insured at young ages w/out health problems OR right when I adopted them. I have had over $30,000 of claims paid in the last 9 years. They've covered the following conditions: IVDD back surgery ($5,800), Pancreatitis ($3,000 and ongoing rechecks), Bladder Stone w/Removal ($4000 and ongoing rechecks), Diabetes ($2,400), Hypothyroid ($800), Cushings ($2,000), Cyst Removal ($1,200), TCC Cancer ($10,000 this included all treatment), Unknown Vomiting ($850), Choking on acorn ($1000). Claims are very easy to file (I do mine through email) and payment is very fast (within 1 week). I've had to call a few times and everyone is always very nice on the phone...and they are available 24/7...unlike most companies only available 'banking hours'. The MOST IMPORTANT thing is sign up BEFORE your animal has health issues!! SO..what does this mean? While they are young OR immediately after adoption. IF you adopt an in tact animal spay or neuter immediately...this way you are covered for any future mammary or testicular issues. DO NOT wait until your fur kid is sick or has a pile of medical issues! My rates usually go up the arbitrary 20%, however, there have been a few years I did not receive a premium hike. I started out with $0 deductible, so for me, I am able to keep my rates reasonable by adjusting my deductibles. When your facing a $2500 bill that slightly higher deductible is really not a big deal in my mind. I also have the additional care riders on all the policies which is helpful if you need it and the price is very reasonable on it as well. I hope my review helps you with your decision to purchase your policy from Trupanion :)
  • INSURER: Trupanion
  • POSTED: 11/16/2017
  • BY: Tamitha
  • BREED: Miniature Pinscher
  • AGE OF PET: Over 11 years

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5

out of 5

Glad I chose Embrace

Very helpful and caring customer service and efficient claim processing. Thank you Embrace.
  • INSURER: Embrace
  • POSTED: 11/16/2017
  • BY: Connie
  • BREED: Great Dane
  • AGE OF PET: 7 - 10

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5

out of 5

Quick reimbursement and great customer service

I was skeptical about purchasing health insurance because I heard some horror stories from friends. ASPCA has been great, though. I was able to customize a plan and structure payments to meet my needs. Unfortunately, I had to make a few claims this year, but ASPCA has been great at providing fast and accurate reimbursements. I've very happy that I purchased the insurance.
  • INSURER: ASPCA
  • POSTED: 11/16/2017
  • BY: Andrew
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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5

out of 5

Embrace is the way to go

It was 2 weeks before Thanksgiving 2011 and 2 of our 3 German Shepherds were diagnosed with cancer. Brutus with osteosarcoma of the distal radius and Reggie with hemangiosarcoma. After the devastation wore off we had to make the difficult decisions. We decided to do everything we could as long as those decisions did not result in pain or a decreased quality of life for our guys. Brutus was now a tripawd and going for biweekly chemo, you wouldn’t know it. Knowing the severity of Reggie’s diagnosis he had his spleen removed and also had biweekly chemo. There was no way anyone could tell how sick he really was. Fast forward for Brutus he lived a long 2 1/2 years and crossed the Rainbow Bridge at 12 yrs of age. Reggie also lived a good life but due to his type of cancer not as long. After the dust settled reality set in, the medical costs were staggering but we still would have gone the same route. In 2013 and we adopted 2 German Shepherds. Knowing what we went thru insurance was the way to go. We did our homework and decided on Embrace. We have already had some hefty claims and have not had any issues at all. The staff are courteous and caring. You are not hamstrung with one plan you can tailor a plan to your liking. Embrace is the way to go. Thank you!
  • INSURER: Embrace
  • POSTED: 11/16/2017
  • BY: Sue
  • BREED: German Shepherd
  • AGE OF PET: 7 - 10

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5

out of 5

Embrace was there prompt and no hassle

We have had coverage on Murphy through Embrace since he was a puppy. He has had minor claims from year to year that I always felt made the coverage worthwhile to continue. Then this year Murphy tore his ACL ligament - an accident that could happen to any dog at any age. Emergency room, then surgery, and a 12 week recovery. He is doing so much better now! Embrace paid $2k as quickly and efficiently as his minor claims, no questions, no hassles, just a reimbursement check. I would highly recommend Embrace!
  • INSURER: Embrace
  • POSTED: 11/16/2017
  • BY: Kim
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: 7 - 10

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5

out of 5

Very helpful and all of my questions...

Very helpful and all of my questions were answered. These will be my first claims. Hopefully it will work out (and I will follow the directions correctly!) :)
  • INSURER: AKC
  • POSTED: 11/16/2017
  • BY: Sarah
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

One of the best decisions we ever made

To our complete surprise and dismay, our 6 month old puppy was diagnosed with severe hip dysplasia and needed total hip replacement surgery. Embrace has been great from his initial diagnosis through his surgery and recovery! The majority of our claims have been paid with minimal out of pocket money.
  • INSURER: Embrace
  • POSTED: 11/16/2017
  • BY: Ron
  • BREED: Golden Retriever
  • AGE OF PET: 0 - 3

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5

out of 5

Just amazing insurance to have for my pet!

This insurance has been amazing to have!!! Easy to file claims. Fast, friendly service. Affordable!
  • INSURER: Pets Best
  • POSTED: 11/16/2017
  • BY: Alicia
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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5

out of 5

Verified

Everyone should have pet insurance!

My two dogs have had surgeries and illnesses I couldn’t have imagined when they were young. I knew I wanted to plan for and protect them so I got pet insurance as early as I could (which looking back, was a great decision on my part) and we have used it a few times. My little one is about to go into his second bladder stone surgery, which is heart-breaking, but at least I know that I can care for him, that we have options, that the cost isn’t a concern and that his health can be my priority, and that Trupanion supports us in his treatment and recovery! My rate per month is so low (really low!) and my deductible is high (at my own choosing) but totally manageable when we’ve needed it. I would recommend pet insurance a million times over. When I am at the vet, they do a majority direct bill after my deductible is met, so I’m not even out of pocket. For me, it’s way more than peace of mind, it’s keeping my family healthy and safe and well, and I am beyond grateful to Trupanion for being there alongside me to care for my boys. Just get pet insurance!! I have several friends who opted not to get it, but have ultimately spent several thousands of dollars on care later and wished they had insurance after all. If you never need it, you are so fortunate, but if you do, you’ll never regret having gotten it and Trupanion has been amazing to us, so I’m very happy to recommend them.
  • INSURER: Trupanion Canada
  • POSTED: 11/16/2017
  • BY: Jessica
  • BREED: Mixed Breed
  • AGE OF PET: Over 11 years

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5

out of 5

Embrace is peace of mind knowing we can provide our pets with the best care possible.

Embrace has been there for my pets! We have referred all our pet friends to Embrace as they have seen the care they provide in processing claims efficiently.
  • INSURER: Embrace
  • POSTED: 11/16/2017
  • BY: Kim
  • BREED: Golden Retriever
  • AGE OF PET: Over 11 years

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