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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

We love Embrace!

They always cover our little ladies and make the process so easy. Thank you Embrace!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Angora
  • AGE OF PET: 1 - 8

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10

out of 10

Fast, easy and painless

My 2-year-old dog needed entropion surgery (to correct her inward-facing eyelids). From submitting the initial estimate to receiving the final reimbursement, every single step with Trupanion was simple, straightforward and speedy. At no point was I stressed out or worried that anything would go wrong. This was a blissfully smooth process with some of the best customer service I've ever experienced.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Fast Service

My 1 year old dog had to have his anal glands removed. I submitted a preapproval request which was answered in less than 24 hours. After the surgery I faxed the bill from the vet, had an email showing the reimbursement amount (almost all of it) and a check in less than a week. Wish my insurance worked that fast. Thanks for the great service.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cocker Spaniel
  • AGE OF PET: 1 - 8

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9

out of 10

Great customer service

Everyone with whom I have interacted at Embrace has been very friendly, helpful, and efficient; I really appreciate it!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

My claim was handled very fast and with ease

My little Luna got terribly sick with an autoimmune disease that had her completely debilitated. She could not walk, we had to carry and hold her while she was having a bowl movement. She was sick for almost 2 months. She is doing great now. We are so thankful that we had insurance for her and ASPCA insurance co. was just great. We send all our medical and prescriptions and with no delays they started working on it and reimbursed us for 90% of our expenses. It is amazing how easy the process was.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Poodle (toy)
  • AGE OF PET: 1 - 8

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1

out of 10

READ MY EXPERIENCE BEFORE YOU BUY ASPCA INSURANCE

I bought the fancy Level 4 plan with a $7000 annual maximum. About $900/year.Plan period runs January 1-January 1. On December 14, my dog presented with severe anemia. The vet did some tests, with no causation, and sent me to a specialist who did additional tests-no causation. Her anemia is worsening. Now, at the very end of the year, the specialist recommends a bone marrow aspiration, at the cost of about $1200. It is scheduled for the following week, first week of January. It turns out she has an autoimmune disease, and now is being treated successfully. My $1200 claim is DENIED. Why? "Any illness that continues into the next plan period will not be covered". So, because my pet was unlucky enough to develop a life threatening condition only 2 weeks before her plan period ended, we only had two weeks to have this illness covered by the insurance. In our case, after that 2 weeks we still didn't even have a diagnosis! ASPCA denied me before they even knew what they weren't covering! So much for my fancy, expensive $7000 Level 4 plan. The plan automatically renews, the premiums automatically continue to be charged, but the care stops cold at the end of the plan period. I argued and they finally relented after many phone calls, and emails, and conversations with their customer service (BTW a nice guy, a credit to their company, only reason they deserve 1 star). In the end, in order to something back from the $1200 bone aspiration bill, I had to retroactively (12 months) pay premiums for a continuing care add-on, and pay an additional $100 deductible. Continuing Care only offers an additional $2500 in coverage. Did I mention that I had been paying for a $7000 coverage plan all along? What a deal. If you have ASPCA insurance, you better hope that if your pet becomes ill, it happens at the beginning of the plan period. We have no control of these things and this should not be a factor in an insurance plan. I am thinking that the few positive reviews that are out there are people who were lucky enough to have their pet's illness occur in the early months of their plan period, giving them time to go through the diagnostic process and treatment. Lucky you. We were at the other end. BE ADVISED! THIS COULD HAPPEN TO ANYONE. There is a reason why they are rated so poorly.. Don't waste your money, there are better plans out there.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Maltese
  • AGE OF PET: 1 - 8

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10

out of 10

Trupanion is amazing.

Thank you for always being so helpful!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Poodle (toy)
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent service and reimbursement

My experience with Trupanion has always been wonderful and stress free!! Thank you for helping me take care of my dogs. I've recommend you to several of my friends and will continue to do so.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Over 8 years

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10

out of 10

Amazing Pet Insurance

Trupanion is truly amazing… my dog escaped from our fenced-in yard and was hit by a car over a holiday weekend. She had a broken foot that required multiple trips to 2 emergency vets and surgery. Without Trupanion, I would never have been able to even consider being able to have this operation done. They pre-approved the claim and had my insurance checks to me in a matter of days after I filed the claim. I was truly astonished at how quickly and easily this was handled! This is still an ongoing recovery and claim process. This is the 2nd time since I adopted my dog that I have needed them and they have come through for me both times!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Havanese
  • AGE OF PET: 1 - 8

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8

out of 10

Simplicity and satisfaction.

I love how easy and fast it is to file a claim online. I used to have my vet office do it until I realized how faster it is to do it myself. The vet office would take at least a week to do it and then I had to wait for the mail to get to ASPCA, and it would be 2 weeks before I could view the claim online. I now file it online myself and within seconds it is available to track! I love how simple it is to read the explanation of benefits. The website is easy to navigate and pretty straight forward. There was only one time I had to call customer service over something that was my fault regarding my plan. I forgot to add the wellness plan to my new puppy's plan. They were able to fix that for me even though you are only allowed to change your plan once a year. I had been a loyal customer to them for over a year before I insured my second dog through them. ASPCA vales their customers. I only filed one claim in my first year insured by them. I was satisfied with my refund and the simplicity of it all. Days after receiving my new puppy I was at the vet for her first visit. And second. A month later she was hospitalized twice. I filed many claims within the first few months of her life. I am highly satisfied with the service I have received. The only thing I'd suggest improving is the amount of money I am refunded. How great would it be to receive 100% back? Also, it would be nice to be able to not have to pay up front and wait for the money refund. I understand that is not how animal insurance works.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: Under a year

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