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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.

1

out of 10

Poor service

As an animal control officer, we routinely find lost pets and pets turned in by various people. Out in the field, we scan for the chips in the pets. If the chip comes back to 24-Hour Pet Watch data base, we immediately drop the call and impound the pet: no waiting, no hesitations. There is a reason for this: 24 Hour Pet Watch has egregiously poor response service with wait-holds commonly in the range of 12-24 minutes. Officers cannot be held up in the field for that long standing and waiting for 24-Hour Pet Watch to give the information to the officer. Accordingly, when they finally come on line, by policy, they do not give the officer the information until they first contact the owner and then they give the information to the officer: #### yet another delay ####. What does all this mean because of 24-Hour Pet Watches poor service? (1) the owner will have to pay an impound fee for the animal which can be a minimum of $60-$100 instead of the giving the officer the information in a reasonable amount of time. (2) the owner will likely have to pay for a citation or two, depending on the violations) and take time out of their day for court...yet more time and money into the hundreds of dollars. 24-Hour Pet Watch, accordingly, is does NOT provide reasonable service to their customers, which, again, recoils to needless costs incurred by the pet owner. In brief, if 24-Hour Pet Watch chip information cannot be reasonably supplied in normal amount of time (as so many many other chip companies provide), then the ACO will not waste his or her time waiting for them resulting in a negative consequence for the pet owner: (1) the dog will not be returned to the owner from the field; (2) the dog will be made subject to the risks of contagious diseases when it is impounded at the animal shelters; (3) the owner will likely be charged when he or she come to the shelter to retrieve the pet at the rate of hundreds of dollars: impound fees, citations, court, time off from work. I strongly advise pet owner to reassign their chips to a different chip data based. Save money, help the pet, and get better service.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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10

out of 10

Customer service

Completely satisfied with your constant updates on submitted claims and fairness and explanation of your reimbursements
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Australian Cattle Dog
  • AGE OF PET: Under a year

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10

out of 10

Awsome service from Trupanion!

Thank goodness I had Trupanion. My Doodle swallowed a wing nut and a 1 1/2" bolt and two large pieces of plastic from the water dish attached to his kennel. An endoscopy removal kept us from having to do surgery. Trupanion checked with me after each interaction I had with them to make sure I had received satisfactory service. And we promptly received a 90% reimbursement with in a few days. I am recommending them to every dog owner I know! Thank you Trupanion!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: Under a year

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1

out of 10

Stay Away

I was sold a insurance policy that in my opinion had or has no intention of paying claims. I brought my dog in for allergies and would not of because I did not have the money to cover the bill. I pay $70.00 a month to trupanion they in turn went back and found anything they could to deny claim. That was the last straw I spent hundreds of dollars on this insurance and not one of the three claims did they pay anything. In my opion all three should have been covered it's crazy that they twist anything to not pay. When I called them they did not care the only time this company seemed to care was signing me up. STAY AWAY!! Save your money for if you pet is needing a vet because they won't pay it anyway.

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10

out of 10

An Insurance Company that Really Cares!

I have to say that I'm absolutely amazed at the level of service I received from Healthy Paws. It has made our lives SO much easier knowing that our pets are covered with insurance. It's not only the insurance that gives us peace of mind, it's the ease of filing claims (take a photo and submit through an app - couldn't be easier), the genuine care and concern from all of the Customer Service representatives I've spoken with and the speed at which claims are processed. I wish my health insurance company cared as much as they do! We have three dogs and I wish I had signed up for Healthy Paws years ago. My youngest dog recently tore both her cruciate ligaments, requiring surgery on both her legs. We had the surgery done on a Thursday. By Friday they had already processed the claim and submitted payment. It's stressful enough having to deal with an injured pet, but having 90% of $16,000 vet bills covered allowed us to focus on our dog and not the cost of the surgery. Additionally they followed up with an email a week after the surgery asking if she was ok. I highly recommend Healthy Paws to anyone considering Pet Insurance.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pit Bull
  • AGE OF PET: 1 - 8

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10

out of 10

Why Healthy Paws Pet Insurance Is The Best.

my wife and i love our pups. we feel they should get the same care as we would give ourselves because they give us everything they've got. the give us their lives. not having had dogs growing up i realized i should start an emergency bank account fund for them in case one of them got sick. so i did that but little did i know how expensive quality vet care would be. 2013 - our pup teen needed spinal cord surgery. he is a teeny chihuahua and this was definitely a specialized surgery. our emergency vet (VMSG in ventura, california who i can't recommend high enough) saved his life. the total was $13,000. no worries. i have that emergency account and when would such an expensive surgery happen again? 2014 - our pup aud was diagnosed with stomach cancer. VMSG removed the tumor but it came back about 3 months later. she would soon end her battle with cancer in september but what we got was three entire months with our dearest girl. the total was $12,000. 2015 - teen was doing well but was too old to be insured but our other pup greta, a redbone coonhound, was still young enough. so we researched and picked healthy paws and boy am i glad we did. healthy paws is the ONLY pet insurance without a cap. meaning if your animal gets cancer or another expensive illness all you are responsible for is your annual deductible and then whatever amount your particular policy is set at. greta's is at 30% for us and 70% for healthy paws. the only reason i can think of someone picking a different pet insurance is because they don't realize how expensive emergency care can be. healthy paws won't cover: pre-existing conditions (no other pet insurance will either) standard vet and dental cleanings (which aren't as expensive as emergency surgery) and that's pretty much it. about 2 weeks ago we came home and greta got bloat. bloat can kill a dog in 8 minutes and our drive to VMSG is 20 minutes. it is a miracle but little greta made it there and VMSG not only was able to save her life but also diagnosed her with a mass on her spleen as was a paralyzed larynx. in fact if she hadn't bloated we would never have known about the spleen or larynx. the total cost for her surgeries was just over $11,000. but this time i had healthy paws. i was nervous because i didn't know if this insurance would do as it promised. i know that i personally have blue shield of california and it definitely doesn't do as it promises. but healthy paws did! they paid over $7,
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Redbone Coonhound
  • AGE OF PET: Over 8 years

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1

out of 10

Claim Denied that Should have been paid

My dog recently had an ear infection, which was not a pre-existing condition and yet Embrace denied the claim. The "reason" cited was that somehow the ear is related to a dermatological condition. The Veterinarian could not believe this bogus reason for denying the claim since an inner ear infection is of course NOT a dermatological condition. If Embrace does not reprocess and pay I will never renew this insurance and plan to address this in my newspaper column. As a consumer advocate, I try to give the benefit of the doubt, but this is ridiculous. Like my Veterinarian, I am incredulous.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Coton De Tulear
  • AGE OF PET: 1 - 8

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9

out of 10

FSA for Pets!

This is my son's first pet & we received our free 30-day coverage from the humane society. But unfortunately before it was effective, our puppy got Parvo. After paying out of pocket for the treatment ($700+), maintaining the policy & adding the wellness rider made perfect sense due to the cost of routine services & unexpected injuries. This will ensure that we are able to provide his medical care for a healthy life and not break out bank. It's really not very different from a Flexible Spending Account for out of pocket expenses.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Excellent insurance!!

So happy I got pet insurance for my new puppy! I bought the extra coverage for wellness stuff, which covered spaying and vaccines, but of course my pup had post-spaying problems - during a weekend, of course - and our visits to the Referral Center (emergency vets) and emergency surgery were covered! If only I'd done this with my previous pup, whose mystery GI infection ended up costing me $8000!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labradoodle
  • AGE OF PET: Under a year

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10

out of 10

Trupanion: The Greatest Pet Insurance

Trupanion has been a "lifesaver" for me and my two rescue Pomeranians. Claims have been handles quickly and efficiently. Any time I have talked with a representative my questions and concerns have been addressed. Thanks so much for your continued support!!!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pomeranian
  • AGE OF PET: 1 - 8

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