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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

THEY SUCK!

This company is TERRIBLE--at least in CANADA they are!!!!!! They would rather you kill your dog than give you a penny. My 5 month old puppy was the runt of the liver and only after having him for about a month did we have some concerns--we always have chosen the runt of the liver --with no issues. My puppy ended up needing surgery as he had a post-systematic shunt issue. He was placed on anti seizure medication, antibiotics a stool softener and a special diet (low protein) from the the vet. His surgery was over 5,000.....THEY COVERED NOTHING!!!!!! Not the medication, food or surgery......NOTHING. All of this happened WELL after the waiting period. So if you have money to throw away go ahead sign up with them knowing you are throwing money to the wind and won't see a cent back. They are crooks and animal killers not savers.....!
  • INSURER: 24PetWatch
  • POSTED: 05/09/2019
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: Under a year

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1

out of 10

THEY SUCK!

This company is TERRIBLE--at least in CANADA they are!!!!!! They would rather you kill your dog than give you a penny. My 5 month old puppy was the runt of the liver and only after having him for about a month did we have some concerns--we always have chosen the runt of the liver --with no issues. My puppy ended up needing surgery as he had a postsytematic shunt issue. He was placed on anti seizure medication, antibiotics a stool softener and a special diet (low protein) from the the vet. Hiis surgery was over 5,000.....THEY COVERED NOTHING!!!!!! Not the medication, food or surgery......NOTHING. All of this happened WELL after the waiting period. So if you have money to throw away go ahead sign up with them knowing you are throwing money to the wind and won't see a cent back. They are crooks and animal killers not savers.....!
  • INSURER: 24PetWatch
  • POSTED: 09/04/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: Under a year

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1

out of 10

Worst Insurance Provider Out There

I work in the veterinary industry and regularly steer my clients AWAY from this company. They have terrible customer service, continually penalize clients for submitting claims by reducing co-insurance or increasing deductibles. Its almost criminal because once you've signed up and had a claim you are stuck with them, and they know you wont be able to go elsewhere and get coverage because of "pre-existing conditions". Do your research! Stay away!!!!
  • INSURER: Petsecure
  • POSTED: 10/12/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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1

out of 10

They won't be there when you need them!

I have had Embrace for about a year on my 7 year old lab. When I initially started my plan I had a vet visit to confirm my dog had no issues such as hip and joint problems. She did not. She did have a bump on her front upper body area that when I first noticed I took her to two different vets and was told it was cosmetic so no need to remove or test. In fact on the Embrace Vet Check the doctor noted it so Embrace was aware of it. Recently she developed a growth on her muzzle and the doctor suggested removal and to screen to make sure it wasn't anything more serious. As she was going to be under anesthesia I elected to have her teeth cleaned and also remove the previous bump even though it was cosmetic and not hurting anything. Now, I knew the entire incident would not be covered because it did not meet the financial requirements but being that I was new to Embrace and how they worked I went ahead and uploaded my paperwork just to get a feel of how the process worked. The growth on her muzzle came back as benign but had it not I assume I would have been covered had it turned into something bigger and additional treatment was needed. Imagine my surprise when I get a letter stating that all future growths will not be covered because the one that they were previously aware of that was deemed cosmetic by two previous vets was not tested. Obviously, if my doctors had said remove and test it a year ago I would have but they saw no need. At this point I am just grateful I found out what a poor company they were before I needed them for something serious.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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1

out of 10

Horrible!!

Horrible! I have three PetFirst Insurance policies- for my dog and two cats- and I submitted a claim for less than $500 after the 90 deadline to submit claims because I had a devastating situation. A faulty furnace caused major smoke damage to my house that destroyed most of my belongings and required me to have the items I was able to salvage professionally cleaned by a variety of companies who specialize in smoke damage. When I explained the situation to Petfirst I was told it was illegal for them to reimburse me. PetFirst told me that the insurance laws in CT (where I live) prevented them from doing so legally. I told them that this information was incorrect. I had another half a dozen conversations with Sr Customer service representatives who told me that they had discussed my situation with their compliance dept., their attorneys, the underwriter and that they all agreed it was illegal. On one of my last calls I was told that the underwriter said that, had the issue with my furnace happened within 30 days of the date of service (rather than the approximately 60 days after the date of service when the devastation occurred) then they would have been able to legally reimburse me for my claim. I again stated that there was no law in CT that prevents them from reimbursing me legally and the customer service representative said she would reach out, once again, to the underwriter and call me back the following day. Instead I got a call from the head of the customer service and claims department who said that (contrary to what I had been told on all of the other calls with Petfirst) my claim was denied because Petfirst chose not to reimburse me because they are not required to do so because their contract states that claims need to be submitted within 90 days. He claimed not to know why I had been told a reimbursement would be illegal on my many other communications with Petfirst. However, he said that Petfirst NEVER makes exceptions -for ANY type of tragedy that prevents someone from being able to submit a claim within their 90 day deadline unless it is a situation that the law requires them to do so i.e. Hurricane Sandy. Petfirst was clearly dishonest in their previous communications with me in an attempt to disguise the real reason for rejecting my claim. Pet first makes their profit margins their only priority and places no value on assisting customers who have experienced a personal tragedy.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Great insurance

If you have a pet, you need Embrace. I've had other insurance in the past, but they didn't measure up to Embrace. Their coverage is complete, their staff is compassionate and competent.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: 1 - 8

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1

out of 10

Disappointed

Premium dollars do nothing but fill the coffers of the Company. Every chance they have to not pay a claim is taken. I will do everything in my power to expose this scam.
  • INSURER: Embrace
  • POSTED: 09/04/2017
  • BY:
  • BREED: Australian Shepherd
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws is the best!

I was never sure how I felt about health insurance for my dog - like was it really worth it and would they come through for you when you needed them most. I signed up my chocolate lab with Healthy Paws back in late 2015 and I have to say, it's seriously one of the best things I have done as a dog owner. Healthy Paws is so easy to work with and they truly have kept their word with no fine print to surprise you with any unfortunate "policies". My dog just had knee surgery (TPLO) and I am once again reminded of how good of move it was for me to sign up with them. Their customer service is excellent, and submitting claims is super easy and can be done right from a smart phone. I did a lot of research and I have to say I really think Healthy Paws is the best out there.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

The Blue Chip of the Pet Insurance World

My dog is alive thanks to these folks. Eight years after rescuing my dog from a neglected environment, he had a serious leg injury during an ice storm that made him almost unable to walk. The emergency room and initial treatment bills were onerous, and we had to put him on intensive physical therapy. And as well, he's needed continuing pain medication and therapy as needed. ASPCA came through marvelously. I wish most people insurance plans were as good and as effective.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Over 8 years

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10

out of 10

Very happy so far!

When we got our puppy we made the decision to get her insurance coverage, including wellness coverage. So while she is young and does not have any major issues (knock on wood!), I just submitted her check-up and the process is super simple, fast, and my claim was reviewed and approved quickly. Anyone I have dealt with is friendly. I happen to prefer electronic communication and even that has seemed very personal and friendly.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shorthaired Pointer
  • AGE OF PET: Under a year

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