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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

Routine care

My experience has for the most part been positive. I had one situation, and a very costly one, that I thought Trupanion could have stepped up to the plate. They are very tied to "a condition". ie - My pet needed to have a very boxer dental disease of a bleeding epulus and it was determined that she would need to ungergo a general anestetic to remove the oral masses. At the young age of 4, the vet detected a slight heart murmur and before he would proceed with the oral surgical work, which required, anasthesia, he prescibed the following diagnostics: complete blood panel, urinalysis, chest radiographs, ECG and an echocardiogram with a board certified cardiologist. Dr. Goldfarb stated to Trupanion that "The echocardiogram and cardiac work up was performed by Kristen McDonald at the Animal Care Center on 8/16/13. The ECG, chest radiographs and echocardiogram are considered diagnostic tests for the purpose of Lilly going under anesthesia and removing the oral masses. The cardiology report clearly states that "Lilly presents for aneststhesia clearance". Trupanion denied the singular claim and concluded that the ECG was a separate condition and applied the separeate deductible to the ECG even tho our vet wrote and said that it was a diagnostic test required for the anastesia. The cardiology report also stated that "Lilly presents for anastesia clearance", which is was the diagnostic procedure requied. Trupanion did not live up to their claim that "diagnostics" would be considered one claim. I was very disappointed that they considered this another "condition" rather than a diastonic test for a prescribed procedure. The deductible tab was over $500. for a "new condition". Otherwise, we have been pleased with their prompt response for other "conditions", but be careful how you "present" as they can worm around.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Boxer
  • AGE OF PET: 1 - 8

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9

out of 10

Speedy Payment

Easy claim process and prompt payment.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

I am shocked at how awesome Healthy Paws is!

I cannot say enough good stuff about this pet ins. co. My little french bulldog had a huge mass on her toe and had to have it amputated :( This insurance company processed all her claims within 24 hours and i even called a few times and went over things and they were so helpful and friendly! I don't know wny people choose any other insurance other than HP! Super stoked and glad i made the rigth choice!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: 1 - 8

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10

out of 10

Simply the Best

As an attorney i deal with insurance companies regularly, and i see the worst of it all. Suffice it to say, i was pretty skeptical when i decided to sign my dog "Yuba" up for pet insurance with Healthy Paws. Multiple broken bones and surgeries later (sometimes a lab just can't help doing the crazy things that labs do), and Healthypaws has been there every step of the way. The have not only covered all of Yuba's claims without argument, they have covered them quickly, and compassionately, always being sure to send a get well note along with a note that the claim is being covered and the check is on the way. I have never experienced an insurance company as honest, caring, and down right awesome as healthypaws, and i probably never will again; they are truly one of a kind and come highly recommended by my family and pup.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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9

out of 10

Worth every penny!

Our policies have already saved us over a thousand dollars. From a routine dental turning into a major extraction (extra/compacted teeth) to tests and a specialist visit for a puzzling internal issue. I do wish some more routine preventative care was covered--such as dental cleanings and while I understand that office exams for a wellness visit would be exempt, I think that a specialist visit should be covered. Overall however, I am very pleased with Trupanion. The claim process is simple and turn around is very fast. I also like that you have the option to set your own deductible--and can change it at any time.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Longhair
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws is the best

I have a Cavalier King Charles Spaniel who has allergies, corneal deposits, luxating patellas, and a heart murmur so I use my pet insurance fairly frequently and I am continually impressed with Healthy Paws. My dog was recently in the ER for eating a large amount of uncooked rice. She was admitted and spent two nights, three days in the ER to help her pass all the rice. The total bill was $2,100 and Healthy Paws paid my claim in four days! My claims are always paid within a week without question. I foster dogs and cats through several different rescue groups and I always recommend Healthy Paws to potential adopters. The monthly premiums are reasonable and the service is exceptional. Additionally, there is no lifetime maximum cap on benefits. I can't imagine having a pet without having Healthy Paws Pet Insurance!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: 1 - 8

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8

out of 10

Great customer service and quick re-imbursement!

Embrace has been a pleasure to work with.. Our 15 month old puppy was diagnosed with a bowel obstruction and embrace covered almost all costs! We are so grateful for our insurance and we know our dog is in great hands... Highly recommended!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Incredible Insurance Company

Amazing pet insurance company. Response to claim was very quick with a follow up a couple of days later. Was so impressed I transferred my cat to this insurance after having her on another insurance company for three years. I have recommended this company to everyone I know!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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9

out of 10

I Never Leave Home Without It

I've never had an ounce of trouble with Trupanion. Their turnaround time from claim to reimbursement and e-communications/updates are speedy and supportive. I've recommended Trupanion to friends and spoken about them on my personal Facebook page.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Wire Fox Terrier
  • AGE OF PET: Over 8 years

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10

out of 10

Thank you Embrace for embracing us!

First you have to know Embrace came highly recommended by my dog agility community. I decided to get the insurance thinking not my dog but you never know. Then "it" happened during an agility national competition - my dog tore his CCL! So happy to have Embrace - I was nervous - wasn't sure how to submit the claims - the staff on the other end was kind, and empathetic - the claims have been handled in a timely fashion. Always communicating where we were in the process. Cooper is on his way to getting better - we will compete again some day. Thanks Embrace!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cocker Spaniel
  • AGE OF PET: Over 8 years

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