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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

Very quick service

I hadn't had the insurance but maybe 2 months when my pug, Sunny, swallowed some bones and the vet had to induce vomiting. The claim was processed very quickly and a follow up call was placed to me to ask how Sunny was doing which impressed me very much. My own insurance company doesn't do that! Very pleased so far with this insurance.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

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8

out of 10

Premiums are expensive

I think the company does a good job and pays without too much hassle but their premium increases this year seem steep so I'm cancelling. A 3 year old dog went from $278.03 to $332.47 a year and a 1 year old dog went from $473.31 to $409.34 a year. Both have $200 deductibles & 10% co-pay plans. I will save the $68.64 a month for an emergency.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rhodesian Ridgeback
  • AGE OF PET: Under a year

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2

out of 10

Beware of the "14 day illness grace period"!

It would've been two years since I signed up for 24 hour pet watch insurance on Aug 2nd, but I had to cancel my insurance this morning because of what I found out about the coverage. I was given the "gift of insurance" for a month when I adopted my puppy on July 28 2013. Shortly after that, I bought insurance for my dog on Aug 1 2013. And then I took my puppy for her first vet visit on 8/2/13. During the visit, I mentioned she'd been having exercise intolerance and the vet examined her and said she had a heart murmur. He said that sometimes puppies have it and it goes away as they grow older and that we should just watch her at home. We went back a few weeks later for more vaccines and because she still had the heart murmur, the vet referred us to a cardiologist. On 9/18/13, I took my dog to the cardiologist and found out she had a congenital heart condition called tetralogy of fallot (TOF), obviously a much severe condition than a simple heart murmur. Just her ultrasound was $500 and she had to keep getting them every year on top of the other blood work, medication needed for monitoring and managing her condition. At that point I contacted 24 hour Pet for a preapproval and they covered her expenses with a $100 deductible. But apparently the coverage was only for 1 year and only upto $1500. As you can imagine, that doesn't do much for us since we're dealing with an ongoing condition. I just got off the phone and found out that because the onset of my dog's condition was during the 14 day illness grace period after signing up for insurance, they cannot cover her condition any longer. Which I'm hearing for the first time after almost 2 years of having the insurance and having been reimbursed for other claims related to the same condition. I would've kept on paying for the insurance that could no longer cover her heart condition had I not called today to change my address and check on the claim that I submitted a month ago (that I still haven't received payment for). That's when I found out that only part of the last claim would be reimbursed because they classify the denial under pre-existing conditions. Even though the dog's condition wasn't diagnosed till 9/18/13 and the insurance was bought on 8/1/13, the insurance company proceeded to label her condition before the specialist even had the chance to. They say its because they go by the day of "onset" not diagnosis. The day of "onset" is apparently the date that they got from my primary care vet's note
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Jindo
  • AGE OF PET: 1 - 8

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10

out of 10

Easy process, excellent support and paid promptly!

Out of nowhere our dog Gracie developed disc disease which caused excruciating pain. It was a Sunday so we had to go to our nearest emergency hospital. They did an x-ray and their diagnosis turned out to be right but they they did bloodwork to rule out a tickborne illness. They gave us pain meds, recommended strict crate rest and told to watch for neurological signs. That visit was close to $1,000.00 Sure enough within days she started doing this weird cross-leg walking so we went directly to our vet who said it's either surgery or euthanasia. We then rushed to a facility where she could have the surgery. The neurosurgeon went over the cost - more than 5,000.00 - and we were able to say yes without second thought because we had insurance. When we told them it was Embrace they literally clapped! She had an MRI, surgery and a few days of hospital care. I submitted claims to Embrace and am getting reimbursed as promised without a single road block. If only human insurance could be as good!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Sealyham Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

Couldn't be happier

After my 4 year old lab had a bad infection in his nose. His vet told us to get pet insurance. I have a 2 year old chihuahua as well. Both of them have gotten into trouble and ASPCA was there to save the day! I've received personal phone calls checking up on them, I have always spoken to a person when I have called in, I have always gotten my reimbursements within two weeks, AND they send me hand written cards! Which I love I'm not going to lie. I couldn't be happier with the way ASPCA helps me and my pets in our time of need.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

We are so thankful for Embrace Pet Insurance

Taz is a two year old German Shepherd Dog. She is THE best dog ever! But German Shepherds often have health related issues and Taz is not exempt from them, unfortunately. But fortunately, I discovered Embrace Pet Insurance a few years ago and I would highly recommend them to anyone with a pet. It has saved us thousands of dollars in expensive treatments for poisoning (digesting a toxic plant), GI problems, etc. But I also enjoy the benefits of the Wellness plan to cover special dog food and routine pet medications and spaying, teeth cleaning, etc. I am truly thankful for Embrace and will continue my relationship with then throughout Taz's life!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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10

out of 10

Endorsement

Excellent. Always responsive. Love newsletter. Heidi, as puppy, ate everything. When an obstruction occurred Embrace was on the case. I was reimbursed for almost 70% of ER bills, operation, and follow-up calls. Thank you Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: Under a year

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10

out of 10

Wonderful!

I have had a wonderful experience with Trupanion. They were there when I needed them. It's always been easy to reach them. They have been attentive, friendly, and quick when I've worked with them. They covered my dog's illness and my check came quickly. I am very, very pleased.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Doberman
  • AGE OF PET: 1 - 8

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10

out of 10

The best

I had worked with other company in past, and always had issues on my claims, but this company never had any issues, they always paid on time with no issues. Thank you
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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10

out of 10

Wonderful?

I love how easy it is to submit claims! And Embrace has faithfully assisted with every charge I have sent in. It makes for a very easy decision, to always give my pet the very best care, when I know I can depend on Embrace to help. Great insurance! I have 4 pets, all insured.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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