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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

Thank god for Embrace pet coverage....

My 2 year old Rottweiler severely injured her back leg needing extensive very costly physical therapy and eventually surgery... her claims were in the thousands and having a family of 5 and a limited income I was VERY thankful I had health coverage with Embrace. My claims were paid within 7 days of filing, the reps at Embrace walked me through the process and were very helpful. I have recommended my friends who have just purchased puppies to Embrace who are actively buying a policy .. great insurance to deal with.... Mrs. Hurley
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rottweiler
  • AGE OF PET: 1 - 8

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1

out of 10

Pre Existing is their famous excuse!!!

Don't get VPI FOR SURE!!!! We had a German Shepherd who was 100% healthy when we got her as a puppy....put her on the highest plan possible and 4 months later ended up getting her fixed. The day after the surgery she all the sudden stopped urinating and was severely blocked in the bladder, moving up into the kidneys. Took her back to the vet, of course, /'f they sent us straight down to GCVS (a specialty hospital that people from all over the US come to for disease, cancer, etc). Luckily it's 45 min from our home, but talk about expensive!!!! Her first 4 days in the hospital cost $4500...including another surgery to relieve blockage. All 3 specialists said that it was NOT caused from the surgery and is so rare that would be normal to be undetected until it actually hit the point she was at. But VPI claimed it was "pre-existing" and wouldn't cover even a single penny! Even after submitting proof of tests and testimonials from all specialtists saying it was not pre-existing...still, not one penny! At this point it was too late to change insurance companies bcuz then it really would be pre-existing. Therefore...after 6 yrs of medical treatment and many hospital stays and surgeries, we've spent over $30,0000 on our dog. Would do it again and again in a heartbeat bcuz she's one of the family BUT ridiculous that we had insurance company that wouldn't lift a finger to help. At all. Never has. By the way VPI...if not being able to urinate was considered pre-existing, common sense has it that she wouldn't have lived. Really?? Didn't know a dog could go 4 months (from the time we signed up with VPI) without peeing...ridiculous excuse if u ask ME! Sadly, we lost our Dakota 3 months ago after battling this rare disease! She died of kidney failure...which the vet agrees they could've possibly found a cure if insurance would've helped and instead used the money out of pocket to use towards research and exotic meds to try. Hmmmm. Prettt sad if u ask me. So now we just got another new puppy (Bentley) who is a 2 month old German Shepherd as well...and as I search for new plans and ask vets for recommendations, almost 100% of them have referred me TO Healthy Paws Insurance... so wish me Luck this time. And I sure hope Bentley is in good hands with them bcuz Poor Dakota was certainly NOT by using VPI. NEVER AGAIN!!!!
  • INSURER: Nationwide
  • POSTED: 05/09/2019
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: Over 8 years

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1

out of 10

Pre Existing is their famous excuse!!!

Don't get VPI FOR SURE!!!! We had a German Shepherd who was 100% healthy when we got her as a puppy....put her on the highest plan possible and 4 months later ended up getting her fixed. The day after the surgery she all the sudden stopped urinating and was severely blocked in the bladder, moving up into the kidneys. Took her back to the vet, of course, /'f they sent us straight down to GCVS (a specialty hospital that people from all over the US come to for disease, cancer, etc). Luckily it's 45 min from our home, but talk about expensive!!!! Her first 4 days in the hospital cost $4500...including another surgery to relieve blockage. All 3 specialists said that it was NOT caused from the surgery and is so rare that would be normal to be undetected until it actually hit the point she was at. But VPI claimed it was "pre-existing" and wouldn't cover even a single penny! Even after submitting proof of tests and testimonials from all specialtists saying it was not pre-existing...still, not one penny! At this point it was too late to change insurance companies bcuz then it really would be pre-existing. Therefore...after 6 yrs of medical treatment and many hospital stays and surgeries, we've spent over $30,0000 on our dog. Would do it again and again in a heartbeat bcuz she's one of the family BUT ridiculous that we had insurance company that wouldn't lift a finger to help. At all. Never has. By the way VPI...if not being able to urinate was considered pre-existing, common sense has it that she wouldn't have lived. Really?? Didn't know a dog could go 4 months (from the time we signed up with VPI) without peeing...ridiculous excuse if u ask ME! Sadly, we lost our Dakota 3 months ago after battling this rare disease! She died of kidney failure...which the vet agrees they could've possibly found a cure if insurance would've helped and instead used the money out of pocket to use towards research and exotic meds to try. Hmmmm. Prettt sad if u ask me. So now we just got another new puppy (Bentley) who is a 2 month old German Shepherd as well...and as I search for new plans and ask vets for recommendations, almost 100% of them have referred me TO Healthy Paws Insurance... so wish me Luck this time. And I sure hope Bentley is in good hands with them bcuz Poor Dakota was certainly NOT by using VPI. NEVER AGAIN!!!!
  • INSURER: Nationwide
  • POSTED: 06/06/2019
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: Over 8 years

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10

out of 10

I dont need pet insurance I used to think

I've been a pet owner since I was a kid and now I am an adult. I did not think I needed pet insurance because I can pay for all their needs. However, I decided to give it a try "just in case." One of my pets experienced an injury due to black ice. I submitted the claim and I got reimbursed...that easily and effortlessly.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cane Corso
  • AGE OF PET: 1 - 8

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10

out of 10

Easy, Great Pet Coverage

ASPCA Pet insurance has been a no hassle, great insurance to have for our two dogs. We pay for accident and injury, which covers a lot. Low Deductible, and covers 80% of your costs. Claims can be filed online, so easy! And you get your money fast, 2 weeks or less sometimes. You also know you are supporting the ASPCA when you use their insurance, which is a great thing to know.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Staffordshire Terrier
  • AGE OF PET: Over 8 years

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10

out of 10

Excellent!

The service and communication with Embrace is wonderful. Thank you! I very happy to have insured Gracie with Embrace!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Great Dane
  • AGE OF PET: 1 - 8

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2

out of 10

Not thrilled

First time using this company. Submitted $1500 claim (included an optional gastropexy and spay) for my new puppy and they only paid $185. I understand they have to make a profit, but I'm not sure if it is more cost effective to save your premiums in an investment account than to have pet insurance.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: Under a year

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10

out of 10

Excellent customer support

We have had several claims for our boxer, Molly. All where handled professionally and expeditiously! Plus there is routine followup by Embrace staff to ensure that our reimbursements were received. Sadly our medical doctors aren't as attentive!! Tony and Molly
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Boxer
  • AGE OF PET: 1 - 8

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1

out of 10

DO NOT SIGN UP FOR FREE 30 DAY POLICY!

I got the offer with the animal shelter I adopted my kitten with. Any conditions that occur during that 30 days will not be covered by any policy you purchase with Pet First or any other company. It will become a pre-existing condition and you won't get coverage for it anywhere, so it is better to just sign up with a yearly policy. Preferably NOT with this company. If you look, their deductible is per-issue! I signed up for $50 deductible; that's per issue! ASPCA has a $100 YEARLY deductible! This company is a total scam!
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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2

out of 10

very first claim

Not very happy with my first claim to PetFirst. Was told that the policy was not in effect when I took my pup to the doctor so they denied it. And to think I left VPI for Pet First. Wow, maybe the next claim might actually get approved? Not happy at all.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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