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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

I made a profit

I spent $1000 on ASPCA pet insurance and received $1100 back!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bichon Frise
  • AGE OF PET: 1 - 8

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10

out of 10

Best decision for my puppy

I count my blessings every day that I signed up for your pet insurance coverage when he was a young puppy never knowing that Huxley would face major leg deformities when he grew. Without this surgery he would face a potentially short and painful life. Thank you so much for the easy and quick claim process. I recommend you to every single one of my pet owner friends.
  • INSURER: Healthy Paws
  • POSTED: 09/09/2018
  • BY:
  • BREED: Cairn Terrier
  • AGE OF PET: Under a year

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10

out of 10

Totally stunned at the quality of service

For the first time I purchased a health policy for a dog. With vet prices rising I just thought it may be a good idea. My dog developed allergies and so I put in a claim expecting an argument. Nope, I got fast, efficient service and a helpful and cheerful customer service person who was amazing. Great job! So glad I chose Trupanion!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Australian Cattle Dog
  • AGE OF PET: 1 - 8

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4

out of 10

Continuous rate increase now 400% of original rate

The pros:* never denied a valid claim * pay very quickly The Cons: * rates are not stable as advertised. There have been multiple threads on line regarding their consistent rate increases based on statements without proof. i.e. animals are living longer and therefore it costs them more to maintain. Our first increase was from $50 to $125- we had never made a claim and were on automatic payment from our CC so never late with a monthly payment. We have received annual increases at exactly 20%- their published maximum. Unfortunately once a claim is made your ability to change carriers is very difficult. Any insurance company you got to will call every previous vet visit a pre-existinting condition and either deny coverage, impose sharp limits on their coverage or charge an even higher rate. For example your pet throws up- vet determines they have a gastric infection- now that could mean limits or no coverage on anything to do with the illness/infection from the mouth to the bum. My only complaint regarding Trupanion is that their advertisement of your rates will never change are very misleading. They cover what they say they will and they reimburse you very quickly just make sure you are able to budget for 20% increases every year for the life of your pet- that means your rates will double in 4 years, triple in 6, and by age ten you could be paying 619% more. My rates will be over $400/mo (just about $5000/yr) in the next 4 years- that is a long way from $50 a month!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mastiff
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent service gives peace of mind

This company is awesome. I did a lot of research before I bought pet insurance and chose Healthy Paws due to the reviews. I finally had to submit a large claim for my cat who had to be hospitalized over Xmas Eve due to eating some bad wheat grass. They covered exactly what the policy said. I submitted the cat's history on New Year's Eve (Thursday) and the claim was approved that day. I had a check in hand by Monday. It was truly amazing. They also made sure to follow up on my cat with a very warm, sweet email which sounds goofy but really made my day with such a personal touch. Healthy Paws really gives me peace of mind for my cat's care. Outstanding!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 8 years

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1

out of 10

Total scam

I've got their insurance plan Secure 3 on May/2015 and took my dog for a physical examination as they ask. Last month, my dog hurt his leg and needed to see a vet. What was my surprise when my claim was held at Persecure due to absence of my dog's medical history...they will keep asking you for more and more exams and physical examinations that YOU should pay in order to accept your claims. I am extremely disappointed with the dishonesty and fraudulent behaviour shown by this company. Just save your money and do not get anything from they.
  • INSURER: Petsecure
  • POSTED: 08/29/2017
  • BY:
  • BREED: Welsh Corgis
  • AGE OF PET: 1 - 8

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10

out of 10

Even better the second time around!

When our Bernese Mountain Dog Heidi was just 8 months old, she tore her Cruciate Ligament. Thankfully, we had recently started out Embrace 2 month free trial, and Heidi had just passed her orthopedic exam with flying colors! That customer service staff was so helpful when it came to filing the claim, and I was pleasantly surprised with how quickly I got reimbursed. Heidi tore her knee on a Wednesday, had surgery on Monday, and I received a reimbursement check in the mail the following Monday! One thing that everyone asked was "is her other knee covered!?" Once the first Cruiciate Ligament is torn, it is very likely that the other will eventually tear. I was pleased to tell everyone that, in fact, since she was covered before she hurt her first knee, the second one was covered also! A few weeks ago, the inevitable happened. We went through the same motions, only this time, an embrace team member told me that as long as the office manager at the surgeons office ok'd it, they could direct pay them, instead of reimbursing me! It was so nice to not have to shell out all of that money at once, especially with a new baby and in the middle of a full bathroom remodel! I could not be more pleased with Embrace, and I tell everyone I know about them! If it weren't for them, Heidi would be lame and painful the rest of her life. Thank you!!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: 1 - 8

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10

out of 10

Exactly the support I would have hoped for...

Our Wheaton Terrier is undergoing a series of kidney procedures due to high kidney values so I opened a claim with Trupanion. The response received was timely and accurate and provided a solid basis for future claims, as required. Thank you!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Soft Coated Wheaten Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

PetFirst policy protection

Our three year old Miniature Schnauzer, Rosie, was backed under the deck and trapped without help as two pit bulls attempted to rip her apart. Police officers had to be called in to save Rosie from the attack. She was almost torn in two and her pain was great. It was not possible to look upon her and think she would survive the balance of the day. At the animal hospital even the medical staff was in shock and uncertainty about her future. It took two surgeries and a month in the hospital under the loving care of a great veterinarian. One day Rosie came home. She was taking pills for pain and had to have the dressing changed on the wounds as they slowly healed. But she was home again and we were most thankful. PetFirst provides the biggest peace of mind ever. I am very happy Rosie is covered by PetFirst!
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Schnauzer
  • AGE OF PET: 1 - 8

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10

out of 10

I trust Trupanion

Trupanion it the ONLY health insurance company I've ever come across, that truly seems to have the interest of it's customers (and their wonderful pets) as their first priority. I was skeptical about the value of pet insurance for years. This is the first online review I've ever written...That says something! P.H. Garrison New York
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Great Dane
  • AGE OF PET: 1 - 8

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