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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.

10

out of 10

A necessity for pet lovers, excellent coverage!

My cat Willie was an extraordinary friend and just basically a great cat and as he got older I realized that I wanted to be able to do everything in my power for him if there was some kind of crisis. Taking out pet insurance with Trupanion proved to be one of the best decisions I ever made. I hoped in taking out the policy that I'd never have to use it but just knowing that we were protected in case of accident or serious illness gave me peace of mind, and to me at least it was worth it for that part alone. But earlier this year Willie started having stomach problems, with vomiting, lack of appetite and lethargy. Bad signs. That propelled me (us) into a six-week descent that started with an emergency visit to a smaller pet clinic, repeated trips to my local vet for testing and medications, then finally rushing him to a top flight LA pet hospital for a range of very expensive tests and treatments. The cost began to build up; the costs of the pet hospital were far more than I ever anticipated, into four figures, and my cat friend was diagnosed with lymphoma. In some cases, those caught early I'd guess, this type of lymphoma can be treatable as a chronic condition in cats; we were not so lucky. Things got worse. After repeated visits to the hospital I finally chose to take him home for in-home euthanasia, a loving if heart-breaking decision. But the fact that I knew I had given Willie the best possible care and we had done everything for him allowed me to do that calmly, and provided enormous peace of mind. After the $1000 deductible, Trupanion paid all the claims in a timely and very professional way, and it was a lot. The biggest challenge, which seemed reasonable to me, was their checking to be sure that all the claims were for the same illness as the claims had different titles as he got diagnosed (other companies tend to tabulate the deductible by calendar year, Trupanion does it by condition). The illness of a beloved pet is devastating, the stress of how to treat him is enormous. But knowing that I didn't have to choose between my own financial stability and my friend's potentially life-saving treatment let me get through it with my sanity intact. And let me focus on what was best for Willie. If you have many pets, perhaps pet insurance isn't for you. But if you are close to your pet, if you see the relationship as a commitment, and lifelong friendship, pet insurance allows you to plan ahead. Because I have only moderate income I knew I wanted i
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Tabby
  • AGE OF PET: Over 8 years

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1

out of 10

Not helpful

We normally wouldn't get pet insurance but we rescued a dog and it came with 30 days of the insurance for free as part of rescuing a dog. We didn't know we even had it at first so we didn't enroll right away. Our dog ended up having buckshot schrapnel in her nose and throat that we didn't know about (she had only presented with sniffles) and we finally learned after we consulted with a specialist and had a CT scan done. We were denied any reimbursement because of a pre-existing condition. So when we actually could have used it, they did nothing for us... which is why we never bothered to get the insurance in the first place and will never again!
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent

Best thing I ever did was get this insurance for my 3 Retrievers.....love you guys
  • INSURER: Pets Plus Us
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Life Saver (literally)

In a Nutshell: PROS Policy - The policy on their website is perfectly clear to me. I think that some of the problems with pet insurance are caused by a lack of transparency and vague wording. The policy is straight-forward and not like the tedious "Terms of Use" stuff that you get whenever you try to use an app on your phone. Monthly Cost - You can get a free quote on their website so that you know what to expect up front. I've had Healthy Paws for 2 years and I haven't noticed any significant changes to my dog's premiums. Reimbursement - Annual Deductible (how much you spend in 12 months before insurance starts reimbursing you). This is much better than a Claim Deductible (you have to pay a certain amount for each individual vet visit to get a certain amount reimbursed).The FAQs give clear examples of how the reimbursement is calculated. It's fair and I've never had a disagreement about it. Enrollment - Easy. No blood draws or x-rays required for approval. I didn't even have all my pets' medical records because the animal shelter didn't have them. There were years missing from their medical record as a result, but I was still approved! It's great that this system doesn't discourage or punish you for adopting an adult. It's hard enough finding a home as it is. Customer Service - Excellent customer service. I can't recommend them enough and I've always been able to get a quick email response or a person on the phone. I've put more detail and examples in my essay below. CONS (this will be short): - Mobile app is glitchy, but I've never had problems submitting claims through email or the website. - Pre-existing conditions are not covered. This seems like a standard condition across the board for pet insurance, so I don't think that this is something that can be changed. I will explain my experience with the enrollment process, customer service, reimbursement, etc. towards the end. But first, I want to provide some context. In September 2016, our dog Iris was diagnosed with lymphoma, one of the most common cancers in dogs. While Iris never made it to remission, we can have some peace of mind that we were able to give her the best fighting chance that medicine could give. Through four months of blood tests and chemotherapy, we had racked up $8,500 and Healthy Paws covered $6,000. While the out-of-pocket costs are still very high, Healthy Paws took care of 75% of the medical costs and lifted a huge burden off our shoulders
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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10

out of 10

Excellent Service!!

We are thrilled with our Healthy Paws experience! They have been prompt, caring and compassionate! We chose them because they didn't have annual or lifetime caps, but they have exceeded our expectations in other ways as well - even follow-up emails after surgery to see how our dog was feeling! We really felt like they were a partner in our time of need!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Sheltie
  • AGE OF PET: 1 - 8

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10

out of 10

Thank You! So glad for this insurance...

Never wanted to use this. Lulu had 2 tumors removed and continues to receive medical care. Embrace has been there for Lulu, helping me not have to choose other options. Highly recommend this company.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Mix
  • AGE OF PET: 1 - 8

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9

out of 10

So grateful we have Embrace

The peace of mind this insurance gives us is priceless. It allows us to make veterinary decisions easily knowing we have this coverage to fall back on. Reimbursement is very quick once the claims are filed.The only thing that would make this service better was if the premiums were not tied to the age of the pet and did not increase annually.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Great Company

Healthy Paws is a fabulous company. Bailey tore her cruciate ligament and had to have surgery. Healthy Paws promptly reviewed and approved our claim. We recommend this company to all of our friends with fur kids. They are the best!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Amazing service!

This is my first experience with pet insurance and it has been a most positive experience. My otherwise healthy dog has had to have two ACL surgeries recently and ASPCA has been prompt and helpful thoughtout the process. They reimburse me within days and call to check on my dog. They have been helpful to answer any question. Being able to present claims online is quite helpful. I am totally impressed and wish I had had this insurance for the life of my dog!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws is a lifesaver!

To any and all parents of any breed of pet. Hear what I'm telling you. Healthy Paws has saved our beautiful German Shepard mix from being put down before the age of 2. She is a rescue dog and the most beautiful spirit lives in this dog. She has had multiple leg surgeries and there is no way without this insurance that she would be living today. Healthy Paws has been there for her and our family as she continues to recuperate. As our beautiful Versace shows us unconditional love. Healthy Paws shows unconditional love and care for all pets covered under their care. I thank you for all of your care and concern over Versace. I highly recommend Healthy Paws to any and all pet owners.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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