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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 Thankful for the Insurance!

As soon as I adopted my Georgie from the shelter, I added her immediately onto my insurance policy with Embrace that insured my other dog, Lucy. In the very early morning of 2/15/15 (a Sunday), Georgie yelped out in pain as she jumped off the couch. I knew something was wrong and when I checked her, I noticed her stomach was bloated and painful. I immediately got dressed and rushed her to the emergency vet hospital. They took her back and said she had sludge in her gall bladder and needed surgery. I told them to do whatever they needed to do. About 2 hours later they called me to tell me that when they did the ultrasound on her, they saw that she was bleeding internally because her spleen had ruptured and there was a tumor on the spleen which they thought was hemangiosarcoma - a deadly cancer. They said if it was hemangiosarcoma (which 70% of the time it is), she would have at most 6 months to live. Without the surgery, she would die in a day or so. I told them to do the surgery. They told me most people put their dogs to sleep when they hear the possible diagnosis. I'm not most people. My dogs are my family. She pulled through the surgery and they removed her spleen, the tumor and her gall bladder. I was devistated at the thought of her dying in such a short time but we wouldn't have the biopsy results back for a week. She was released the next day with staples running almost the entire length of her stomach but she was eating and drinking and recovering well. That Friday night, I got a call from the vet's office to let me know that they had biopsied the spleen, tumor and gall bladder and there was NO cancer in ANY of them!! She beat the odds!! The surgery was $4,500 but it was easy to make the decision to do the surgery knowing that Embrace would cover it. On 2/25/15, I had my reimbursement from Embrace in my checking account!! That's faster than my own personal health insurance!! I have seen posts on facebook in the past week from 2 other dog owners about the same symptoms/disease/cost and they put their dogs to sleep because of it. I'm glad that I decided to go with the surgery and play the odds because now I hope to have my Georgie for MANY years to come!! Thanks Embrace for being there and handling things so promptly!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bluetick Coonhound
  • AGE OF PET: 1 - 8

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10

out of 10

Very prompt accurate service

My pet had 2 claims during trial period and both were addressed promptly and accurately. Excellent service. Reimbursement was exactly as described.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Border Collie
  • AGE OF PET: Under a year

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9

out of 10

I'm so glad you have my back!

The sense of safety when dealing with vets and emergency services is priceless. I know that a whole lot of the costs are covered.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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10

out of 10

Amazing Service

As a first time pet owner, my biggest fear was vet bills and what I would do when faced with a massive bill vs the health of my best friend (I now know the true meaning of the saying dogs are a man's best friend!). Having Pet Insurance has helped remove those fears and I know any claim submitted will be processed within a week. Trupanion has been nothing but excellent to deal with!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

BEST OF THE BEST, PAWS DOWN

THIS IS THE BEST DECISION WE MADE AND HIGHLY RECOMMEND TO ANYONE WHO LOVES THEIR PET THROUGH GOOD AND BAD. WITHIN A YEAR OF HAVING THE CATS AND INSURANCE, OUR LITTLE GUY CAUGHT A NEAR DEATH FEVER. THE DECISION WAS EASY TO TAKE HIM INTO THE 24 HOUR EMERGENCY PET HOSPITAL. AFTER A WEEK+ OF BEING HOSPITALIZED, THE VET WAS ABLE TO DROP THE TEMP AND BRING HIM BACK TO HIS NORMAL SELF. WITH OVER $4K IN BILLS, HEALTHY PAWS COVERED 90% WITH THE $100 DEDUCTIBLE. THEY EVEN PAID PAST VISITS THAT WERE MINOR ENOUGH WE WEREN'T EVEN CONSIDERING SUBMITTING. PROCESSING WAS QUICK AND WE RECEIVED CHECKS IN LESS THAN 2 WEEKS OF SUBMITTING! QUITE POSSIBLY BETTER HEALTHCARE THAN WE HAVE!! WE'D HIGHLY RECOMMEND TO EVERYONE AS THIS ALLOWED US TO BRING OUR BABY BACK AND KEEP MY FIANCE HAPPY WITHOUT BREAKING THE BANK. THANK YOU SO MUCH HEALTHY PAWS!!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Tabby
  • AGE OF PET: Under a year

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10

out of 10

The best pet insurance experience EVER

This is the second 10/10 review I have given - but the first was within the first year I was enrolled with Healthy Paws. I did a lot of research before signing up for pet insurance 3 years ago when I got my puppy. I made the best decision by enrolling with Healthy Paws. This company is so fast and efficient, and to top it off - incredibly caring. They have been reliable and quick to provide support for my dog multiple times. Most recently my Cavalier King Charles, Elizabeth, had a bout of pancreatitis. It happened on a Sunday and she was throwing up blood so I took her to a 24-hour emergency care facility. They immediately treated her but the bill was somewhere around $800 and Healthy Paws processed the claim the day I submitted it! I received the check a couple days later. The claim process is super easy too. Plus they followed up with a caring email a week later to check in and see how she was recovering. Elizabeth has also had emergency services for a cat eye scratch (more like a slice) to her eye ball and knee surgeries when she was young. She's also been covered for ear infections, skin allergies, etc. I always recommend this company to all my friends who are considering pet insurance and let them know it is a must for a new puppy (usually puppy immune systems are weaker when young, or at least that was the case for Elizabeth). Do not even hesitate enrolling with this company if you are on the fence - it is such a relief every month to know I am covered if something happens to my most precious family member :)
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: 1 - 8

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10

out of 10

Great process and reimbursement

I got Scamp insured just after adopting her (foster failure!) at 12 weeks old. A growth defect was causing her some serious issues around a year old. I went to see a surgeon who suggested a $4000 oestotemy to correct the twisted bone growth and prevent further issues and arthritis. I was able to have the surgery pre-certified to be gaurenteed it would be covered, the surgery and the follow up exams were reimbursed at 80% after the deductable. Without it surgery would have been a much harder option. I believe the therapy swimming I just purchased should be reimbursed on the plan. They are an easy company to work with!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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9

out of 10

So far - VERY pleased!

After doing some research, and talking to our Vet, we settled on Trupanion for our pet insurance, not sure if was going to be worth the money we were spending. We just had a recent toxicity scare (our guy got himself into some pain relievers) - and could not be more pleased with Trupanion. From the friendly staff answering my questions, to the ease of submitting the claim from the emergency clinic, to the very quick response of coverage and notice that the reimbursement was on it's way. It has been worth EVERY penny we have spent - especially ease of mind.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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10

out of 10

very pleased

almost overnight resolution and about entire claim paid
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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10

out of 10

Eventual fairness

There was a misunderstanding from my vet's manner of charging for an initial visit and acupuncture administered at the same time. I received several refusals for the claim. Eventually, my vet sent a letter with an explanation that allowed Trupanion to cover the charges. Generally, I find them to be extremely prompt in their decisions on a claim. Payment usually is prompt.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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