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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.

4

out of 10

Disingenuous Deductible

I have the $250 deductible 80% coverage plan but it is disingenuous to call this a $250 deductible. It is a $300 deductible because only 80% of eligible costs go towards the deductible. In my insurance policy it says: "DEDUCTIBLE: Your pet’s deductible is shown on the pet schedule of the declarations page. Your pet’s deductible shall apply once per coverage term. " My declarations page says: Coinsurance (Your Share): 20% Reimbursement (Our Share): 80% Annual Deductible: $250 Example, if I have a $1,000 vet bill that are all eligible costs I would expect to pay $400 (assuming its the first claim of the year). This is made up of a $250 deductible and $150 (($1,000-$250)*.20=$150) and Healthy Paws would reimburse me $600. ((($1,000-$250)*.80=$600) HOWEVER, Healthy Paws looks at the $1000 bill and ($1,000*80%= $800) because "I am responsible for 20% of all vet bills and healthy paws reimburses 80% of total vet bills". They they take the $250 deductible out of the $800 and I am only reimbursed $550 and not $600. This is truly a $300 deductible. I was told by a customer service liaison (who was incredibly insulting) that deductibles in pet insurance work differently than deductibles such as in homeowners, car, or health insurance policies. I pay a good amount of money per month for my policy, I've held it for almost 4 years now. I would expect more from this company.
  • INSURER: Healthy Paws
  • POSTED: 10/24/2021
  • BY:
  • BREED: Mixed Breed Large (70–90 Lbs)
  • AGE OF PET: 1 - 8

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1

out of 10

Very difficult to file a claim..communication poor

Very difficult to file a claim. Said needed more information from my vet and that they would call. Said they could not contact my vet and closed the claim. I have no idea what additional information they needed but they just went ahead and closed the claim.
  • INSURER: Pets Best
  • POSTED: 10/25/2021
  • BY:
  • BREED: Bernedoodle
  • AGE OF PET: Under a year

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1

out of 10

Unrealistic claims policy

I submitted a claim for an ear infection on an 18-month-old Goldendoodle. It was denied because he had an ear infection before that was treated and was corrected. He got another ear infection unrelated to the first and I was told the denial was because of a previous instance. I was told that we would not get a claim for an ear infection approved for the rest of his life. Dogs with floppy ears periodically get ear infections and Pets Best knew what kind of dog he was when we signed up. If I had wanted catastrophic coverage only, I would have expected the price to be substantially lower than it is. It appears that unless you sign up your dog at birth, little except catastrophic events would be covered. What a waste of time and money. I cancelled the policy.
  • INSURER: Pets Best
  • POSTED: 10/25/2021
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: 1 - 8

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5

out of 10

insurance premium went up 30% after 1st year with no claims filed

After paying $29 a month for the 1st year of my puppy's life they raised the premium to $37 a month and we had not even used the policy one time. I don't understand why our policy went up 30% after 1 year when they advertise that they don't raise premiums for filing a claim. We never even filed a claim so why did it go up so much?
  • INSURER: Healthy Paws
  • POSTED: 10/24/2021
  • BY:
  • BREED: Mixed Breed Medium (20-70 Lbs)
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

The Best

We have had Embrace Insurance for about 15 years – 2 dogs and a cat during that time. They have been superb through it all, and when faced with a hospital bill of over $8000 we were very thankful we had Embrace covering 80% of it. They are also helping with the ongoing expense of having a dog with Addison's Disease. Additionally, talking to any Customer Care person is a very pleasant experience.
  • INSURER: Embrace
  • POSTED: 11/08/2021
  • BY:
  • BREED: English Cocker Spaniel
  • AGE OF PET: Over 8 years

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10

out of 10

PetInsuranceReview recommened

The best pet insurance

Easy to work with and quick with claims. They checked on my dog after her surgery and were able to pay the vet directly. The two tplo surgeries were really hard to go through but they made it easier. I recommend them to anyone with an active dog like mine!
  • INSURER: Healthy Paws
  • POSTED: 10/21/2021
  • BY:
  • BREED: Siberian Husky
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Embrace is the best insurance on the planet.

.Embrace is the best pet insurance on the planet. They are up to date on covering the newest cutting edge veterinary treatments for coverage on medications, wellness, and illness coverage. Embrace is a modern pet insurance organization.The plans, ease of filing a claim, their customer service and fast reimbursement for claims, is unmatched in the industry. I’ve had top of the line coverage from other well known pet insurance carriers in the past, and my total experience with claims, reimbursement time, & level of customer servicet doesn’t even come close to the “gold standard” of Embrace. They have set the bar extremely high in the industry.
  • INSURER: Embrace
  • POSTED: 10/23/2021
  • BY:
  • BREED: Samoyed
  • AGE OF PET: Over 8 years

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10

out of 10

Verified Reviews

PetInsuranceReview recommened

Trupanion is Wonderful and they Truly care for your Pet and you!

Thank you so much for the speed in which you processed my claim. My sisters also have Trupanion. Thank you for being there when we need you1💕
  • INSURER: Trupanion US
  • POSTED: 10/20/2021
  • BY:
  • BREED: Chihuahua (Smooth Coat)
  • AGE OF PET: 1 - 8

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10

out of 10

Verified Reviews

PetInsuranceReview recommened

Worth every penny.....

I have been super impressed with the easiness of filing a claim and the speed in which it is addressed and paid.
  • INSURER: Trupanion US
  • POSTED: 10/20/2021
  • BY:
  • BREED: Papillon
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Great help

Looking for help on dog insurance
  • INSURER: Petsecure
  • POSTED: 10/20/2021
  • BY:
  • BREED: Mixed Breed Toy (up to 10 Lbs)
  • AGE OF PET: 1 - 8

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