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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.

8

out of 10

Good Company, Excellent Service

Embrace has been extremely helpful with all claims and has paid fairly and promptly. My only regret is that I did not select a higher limit when I enrolled my dog -- so I would suggest pet parents to go for the $10,000 or more figure because if you try to change it later, they have to write the policy all over again and if your pet has had any vet bills - in my case it was for diarrhea -- it was considered a pre-existing condition and not covered. So my pup has to go for a year w/o any diarrhea claims in order to have it re-evaluated and then I can increase my limits. So get higher limits. My other suggestion is that they cover laparoscopic neuters. In my case my pup was cryptorchid and I had to neuter him at 21 mos. I would not have otherwise, and it was a condition that was causing him abdominal upsets, yet because it was a neuter, it was only covered as part of the wellness rider, which covers a lot of other things as well, i.e.shots. I chose the $200 wellness add-on and basically got what was left of the $200 for a surgical procedure that cost over $1000. Otherwise it is a very good company and I would highly recommend it.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Irish Setter
  • AGE OF PET: 1 - 8

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10

out of 10

Thankful for Trupanion

I love my pets and take full responsibility for them. In saying that, it is very difficult to say no to treatment that can help them due to illness or injury. Veterinarian treatment can be very expensive. As I did not have insurance with my border collie, whom I spent an enormous amount of money on veterinarian emergency bills. I decided to purchase pet insurance with Trupanion for my multipoo. Recently my multipoo injured her knee (cranial cruciate ligament rupture). The claims were put through to Trupanion by my vet and the veterinarian emergency hospital. There was no fuss and no drama from Trupanion and the claim was paid within days. I am so thankful for Trupanion and recommend it to anyone who has a pet. Premiums are a small payment per month but in the long run so worth it. Thank you Trupanion.
  • INSURER: Trupanion US
  • POSTED: 05/09/2019
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent, reliable, expedient service.

We very much appreciate having Healthy Paws Pet Insurance. My daughter has autism, and "Sparkles" is her emotional support dog. We would do anything for this little dog who is so important to my daughter. Therefore we purchased insurance with the maximum coverage and the lowest deductible - even so, our monthly fee is reasonable. Healthy Paws Pet Insurance gives us peace of mind knowing we could afford "to do everything necessary" for Sparkles (though hopefully there will not be many occasions to be in that position!). Healthy Paws Pet Insurance customer service is excellent - one of the best companies I've ever had dealings with. Their phone representatives are always knowledgeable and courteous - and they are "real" people - not "automated" - who express genuine concern. Sparkles had several vet appointments for a recurrent eye corneal ulcer. We eventually learned she required surgery to correct an underlying eye condition causing the repeated ulcers. Through each step and multiple vet appointments, Healthy Paws processed the claims and mailed a check within a week or so after submitting the claim. Healthy Paws has more than paid for my premiums considering Sparkles' need for repeated vet visits and surgery. Claim submission is very easy (either on-line, or via fax, or snail mail - and I am NOT tech savvy!) Their responsiveness and customer service far exceeds any service I have had with "people insurance". I would highly recommend Healthy Paws Pet Insurance company!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pekingese
  • AGE OF PET: 1 - 8

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10

out of 10

Amazing

Petsecure has been amazing to deal with , its been almost 2 years and not once have we had an issue - claims are processed quickly and painless-I have a gentle giant that doesn't know his own strength that has needed a few stitches as well as a pretty serious CCL surgery and pet secure has not let me or my fur baby down! thank you! I have only had to call in once about a couple questions and it was the best customer service, so I am one very happy customer!
  • INSURER: Petsecure
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent customer service

Almost lost my precious Mercy. Overnight she developed life threatening digestive problem. Rushed her to hospital over 50 miles away. Diagnosis was clostridium - dangerous bacterial infection. She received excellent care & is recovering very well. I was so grateful I had insurance with healthy paws to help with expenses & am even more grateful for their simple & straight forward filing process and for their reaching out with care & concern for information on Mercy's recovery.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Schnauzer
  • AGE OF PET: Under a year

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10

out of 10

Great to Have Embrace there when you need them

Our Yorkie had a infected cyst as well as a UTI. It took a few days in the vet intensive care as well as an operation to remedy his issues. But he is home now and is hos old self.It was great to know that the bill was in large part going to covered by Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: 1 - 8

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1

out of 10

The company will pay you nothing!!!

For 8 years I paid them more than $4000 and when my dog got a surgery that was covered as it is written in the policy, they paid back nothing saying that it could be preventable!We spent $6000 for the surgery and I claimed for a maximum of $2000, but got nothing. Ad it took 2 months. If I just put the money to my pocket I'd save much more! Terrible company, useless spend of money!
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Cocker Spaniel
  • AGE OF PET: 1 - 8

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10

out of 10

Thank goodness we have EMBRACE

I have written previous great reviews and, once again, EMBRACE has come though! With 5 dogs now, we got a $1,000 deductible for each in order to have a "doable" monthly premium. BUT, we got $15,000 YEARLY coverage. If this seems like a lot, trust someone who has been through two cancer surgeries in one year for one dog!! Of note, it is rough for all (people and beloved canine) to go through this....BUT, knowing we were covered by EMBRACE has helped us get through. And, also, we aggressively have kept an eye on her developing any other bumps or lumps without worry of how we would pay for there removal. Early detection and surgery when these things are small has been the difference. And, hopefully, this good fortune will continue. She is feeling great! (We are lucky to have board certified surgeon and oncologist...so skilled at dealing with cancer...) Many of the negative reviews stem from EMBRACE not covering "pre-existing" conditions. To this I say 2 things. Get your dog (or cat) insured NOW before things happen. Also, having had one small portion of one claim denied (less than $100 lab work), I can speak to that. The lab determined that one of her bumps was a "hair folicle cyst" so that lab work on that one thing was not covered. This was because before we insured her 2 years ago, she had had a "bump" removed previously that proved to be one of these and, thus, any further cysts of this kind are not covered as they are likely to reoccur. But, EMBRACE has covered every other item for this particular dog over the past almost 2 years and the reimbursements (we have 90%) have been in the thousands. This year we have had over $7,000 paid out for the two surgeries and all that goes with that (diagnostics such as CT scan, ultrasound, chest x-rays, liver and spleen aspirations....) in addition to some bladder stone issues which required X-rays as well. This company can be trusted to cover things that are not "pre-existing" conditions. SO, if you have any questions as you research policies and companies, ask them to review your dog's / cat's records and find out if any exist. They can also be trusted to cover any care your vet thinks necessary. For example, in August this dog had a soft tissue sarcoma. The surgeon said it would increase his ability to precisely remove it and get "clean margins" if we had a CT scan to show exactly where its boundaries were. The scan also was helpful in determining that the cancer had not spread. We were able to have this
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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10

out of 10

Great Dog insurance

I had this insurance for my dog for 5 years and I got another dog and put her on it to, I love this insurance . I know my dogs are going to be well cared and I don't have to worry about going to the vet. and costing me a lot of money the insurance takes good care of my dogs. Thanks so much ASPCA. Sharon White
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Great company

Embrace is great insurance for my dogs. I know I can take them to the vet, that I will be covered. They are fast for the payments back.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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