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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.

9

out of 10

ASPCA Pet Insurance has been GREAT!

We have had a great experience with ASPCA pet health insurance. They always process our claims promptly, and we have not had any trouble getting services reimbursed. They usually call after we submit a claim to ask how our pet is doing and to see if we have any questions. I always tell them that I wish my "human" health insurance company did things like this!! I highly recommend their plans. The only reason I am selecting 9 instead of 10 is that their maximum allowable rates for services are often slightly less than our vet charges, but this may just be the industry-wide standard. Overall, we are very happy with the plan. Best of luck with your decision!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent Coverage

I purchased pet insurance within a few days of adopting Rocky from the SPCA and it has been invaluable to me. In addition to injuries such as a recent paw abrasion, in the past it has covered payment for the removal of a tumor on his eye lid and ongoing blood work monitoring and medication for his underactive thyroid. Claims are processed promptly and payments received in a very timely manner. It also gives me peace of mind knowing I have coverage in the event there would ever be a serious and costly issue that he would need treated. I would recommend this coverage to all pet owners.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Yellow Lab
  • AGE OF PET: Over 8 years

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10

out of 10

Embrace is Wonderful!!

We have encouraged several friends to check with Embrace for pet insurance. We got our coverage when both of our kids had several years on them. We really didn't expect the older guy to need it. It was the younger one who had all the injuries when he was found. But they have both needed more medical attention than we thought was possible and Embrace has been there for us every single time!!! Even when there was a doubt about the coverage, Embrace went out of their way to try to get the necessary information from the vet before contacting us to tell us that they were stuck. Once they had the correct information, things were wrapped up. We love Embrace!!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rhodesian Ridgeback
  • AGE OF PET: Over 8 years

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1

out of 10

Terrible

The service was at best lousy. Their response time was non existent Was on a plan that would never satisfy the deductible. Yet it is the plan presented to me by them. If I hadn't called about a claim Embrace would be collecting my money still since they didn't show me any options you might want to ask. Don't get stuck with a deductible that your premiums will never meet.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Foxhound
  • AGE OF PET: 1 - 8

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10

out of 10

Great for a clumsy, mischievous puppy

We've had lots of opportunity to use Embrace given our Airedale puppy has "had a lot of fun" in his first 11 months. Embrace has been with us all the way, whether it was claims for fixing a cut pad or doing diagnostics on a lame shoulder, Embrace is extremely easy to work with and our reimbursements come very (and I mean very) quickly! Their wellness plan is also great to have in the first year and beyond! I recommend them to anyone who owns a pet!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Airedale Terrier
  • AGE OF PET: Under a year

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10

out of 10

Great Insurance Coverage.

Embrace was recommended by out Vet and we couldn't be happier with the coverage. Embrace responds quickly to each claim and reimbursements are issued immediately. Questions and disputes are answered expeditiously and with personal responses - not canned replies. Great insurance coverage!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: Under a year

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4

out of 10

VERY MIXED REVIEWS

Since I enrolled in September I have had very positive and very negative experiences. Positive review of your manager trying to make things right regarding the 25% stacking discounts I was told I would receive and then did not. Unfortunately my original contact before being escalated to that manager was not positive. Honestly, the manager's efforts to right the wrong is the only reason I am still a customer, because my claims experience has been very aggravating up to this point! There seems to be a huge disconnect with accuracy and fluidity - i.e. denying claims after misreading claim forms and vet diagnosis, indicating documents were requested but never received, however when I confirmed with the vet they did not receive any requests, incorrect dates of service on website (off by 1 day), taking an entire week to submit the original request to my vets office for copy of medical records, then taking 4 more weeks to process the claim. I believe it would have been longer than 4 weeks if I hadn't called to point out the mistakes causing the delay to your CSR. Claim was approved that afternoon after CSR indicated they would expedite claim. I would rate customer service as 7, claims as 2. Pending claim for Macy is the same issues - website says waiting on the vets office for a "legible" invoice. This vet office is small - 1 vet, 5 staff. They are very organized, cross-trained and very eager to assist with the claims process. My suggestion to you is when you receive a new claim, confirm you have a legible/completed claim form and matching invoice, and then send the confirmation email to customer saying claim has been received. Instead, you send an email saying you received the claim when you haven't even confirmed the documents, and then it's up to the customer to babysit the website. I wouldn't have known you are needing an invoice right now had I not gone on to confirm this was going smoothly given the very volatile past. I have already spent several hours on the phone and website for coverage I have only had for 90 days.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Mediumhair
  • AGE OF PET: 1 - 8

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10

out of 10

Porcupine versus Tiny and McKassie

In the past I was not very satisfied with what we got out of what we paid in. My opinion has changed drastically in the last two months. We have 2 dogs that are covered. Our St. Bernard tangled with a porcupine twice and my little Collie tangled with it once.Both times there were tremendous amount of quills. The Collie had many quills around her left eye including one that entered the eyeball. Fortunately we took the to the veterinary hospital at WSU. They have an eye specialist that did a corneal graft and was able to save her eye and most of her vision. At the same time they diagnosed an UTI that she received treatment for.Embrace was great and payed as per agreement on all the claims. I was very impressed.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rough Collie
  • AGE OF PET: 1 - 8

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8

out of 10

Workable

My Shasta was diagnosed with Diabetes this past fall and she required quite a few tests starting out. The bills started rolling in and Embrace took quite a while to review and approve the first one. I had to call twice to follow up and finally got some answers. Once the claim was approved the rest of the claims have been smooth. It was quite frustrating however to suddenly find Embrace digging thru Shasta's old records to try to find something they could exclude and sure enough they did. I had to appeal the exclusion and revisit my vet to get pictures and write a letter and it was finally overturned. So yes, Embrace is workable but you must stay in contact to get things done.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

So Easy!

Embrace has been insuring Miles, our goldendoodle for the last year - and thank goodness they have! Miles swallowed a whole tennis ball and needed surgery to remove it. Embrace was easy to work with and the payment was so prompt too.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: 1 - 8

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