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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.

 
5

out of 5

The right choice: EMBRACE highly recommended!

OK - pet insurance, ... seriously ... we need that? I never gave it much thought before. But, wanting the best for our dog in case something happened, I signed her up with EMBRACE ($200/80%) last December. I chose EMBRACE because their coverage was somewhat better than that of the competition, at a slightly lower price. I had no previous experience with this industry whatsoever. And just three months into the policy, our Golden Retriever ("Joy", 7 years old) fell sick with a severe gastroenteritis and possible lower GI tract obstruction (X-Rays and first medication by her regular vet). To make a long story short, by the time we rushed her to the Veterinarian Emergency Hospital, surgery and hospitalization were unavoidable - as was the $4,800 bill that came with it. However, while at the hospital, the hospital's staff told me, that some of them had their own pets insured by EMBRACE and that this carrier had a good reputation for claims management. Well, I hoped the best and prepared for the worst. The claim forms were emailed and faxed to EMBRACE on a Monday. By Tuesday at noon I had several return mails confirming that they were working on it and on Friday (4 days turnaround), I had confirmation that all of the $4,800 in procedures were covered and the checks were mailed out. WOW - what can I say? I did not expect that to happen this quickly. I am very happy with the way EMBRACE handled my claims and the turnaround time. They kept 100% of the promises they made in their advertising, their website and their policy terms. Thank you for NOT making me jump through hoops and covering a situation that was traumatic enough, even without the financial aspect of it. I am very happy and can now say: "Yes, you need pet insurance!" And my experience with EMBRACE has been nothing but outstanding. I am glad I made the right choice.
  • INSURER: Embrace
  • POSTED: 04/03/2016
  • BY: Christian
  • BREED: Golden Retriever
  • AGE OF PET: 7 - 10

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5

out of 5

Processed a claim after only 2 months in!

Our puppy broke her leg after we had only had her for 2 months. Healthy Paws was easy and effortless to deal with, and I was soooooooooooooo thankful I had made the investment- smartest thing I ever did! I highly recommend Healthy Paws to anyone considering pet insurance.
  • INSURER: Healthy Paws
  • POSTED: 04/03/2016
  • BY: Dawn
  • BREED: Pomeranian
  • AGE OF PET: 0 - 3

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5

out of 5

Great civerage

Our dog accidentally hurt his back and ended up needing back surgery. We had bought pet insurance for the first time about 6 months ago. Thank goodness! Embrace did a great job processing our claim . I highly recommend this pet insurance .
  • INSURER: Embrace
  • POSTED: 04/03/2016
  • BY: Caroline
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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5

out of 5

Well worth it!

When we were seeking insurance coverage for our dog, we were given the name of Embrace by a family member who also has coverage through them. The premium is affordable, and coverage is good to great. Recently, our dog broke her leg in an accident and required surgery. It was the first and only claim we made with Embrace. I called to see if the services would be covered, and was given an answer of most likely (they still had to review chart notes, but coverage was likely). This customer service representative emailed us on the day of my dogs surgery to ask how she was doing. That was great customer service and something totally unexpected. It took a while for our vet to send in the claim, and it took a little while for Embrace to review it - only because they were requesting records. A quick phone call resolved the records issue (they, in error, were waiting on vaccine records from the vet her breeder used before she came home to live with us). Within 24 hours of the phone call, it seemed like our claim was processed, the check arrived shortly and it cleared within 24 hours at the bank. Having insurance for our dog was the smartest thing we have done for our dog (other than good vet care and good nutrition!). Embrace was a smart choice and well worth it.
  • INSURER: Embrace
  • POSTED: 04/03/2016
  • BY: Jamie
  • BREED: Shetland Sheepdog
  • AGE OF PET: 7 - 10

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2

out of 5

Good, But...

I have submitted several claims for my now four ear old dog and each time Trupanion has stated that the charges are not covered- they are considered routine maintenance. Although the monthly premiums are reasonable, I am considering switching to another company. I take great pride and concern that my dog receives the very best of care on a regular basis to avoid potential health issues and am very frustrated that this insurance carrier denies almost all my claims.
  • INSURER: Trupanion Canada
  • POSTED: 04/03/2016
  • BY: R.
  • BREED: Lhasa Apso
  • AGE OF PET: 7 - 10

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2

out of 5

Good, But...

I have submitted several claims for my now four ear old dog and each time Trupanion has stated that the charges are not covered- they are considered routine maintenance. Although the monthly premiums are reasonable, I am considering switching to another company. I take great pride and concern that my dog receives the very best of care on a regular basis to avoid potential health issues and am very frustrated that this insurance carrier denies almost all my claims.
  • INSURER: Trupanion
  • POSTED: 04/03/2016
  • BY: R.
  • BREED: Lhasa Apso
  • AGE OF PET: 7 - 10

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5

out of 5

Fantastic Company

Healthy Paws has been fantastic with us. My boy had cancer, went through surgery and radiation. I sent in the bills, within one week I received an email saying it was being processed and received a check within five days of the email. They have covered exactly what was supposed to be covered with no questions asked. This has been the case with every claim I have sent it for reimbursement. I highly recommend Healthy Paws Pet Insurance.
  • INSURER: Healthy Paws
  • POSTED: 04/03/2016
  • BY: Carol
  • BREED: Irish Setter
  • AGE OF PET: 7 - 10

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5

out of 5

Wonderful!

I have been so pleased with the ease of filing claims and how quickly they cover the claim. My dog has horrible environmental allergies, that started when she was a puppy. Embrace has covered her dermatologist visit and even her acupuncture (which helps her tremendously). Other than the initial filing of the first claim, they have been so easy to work with. It feels almost too good to be true! Also, everyone I have ever spoken with at Customer Service has been extremely friendly. It's a nice change of pace to deal with a company like this.
  • INSURER: Embrace
  • POSTED: 04/03/2016
  • BY: Michelle
  • BREED: Newfoundland
  • AGE OF PET: 7 - 10

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5

out of 5

Severe eye trauma, covered!

We have been with Embrace for 2 1/2 years and have again realized how very valuable this coverage is . Our schnauzer had an ulcer in her eye and we are in Florida but our vet is in Massachusetts . We visited a vet emergency clinic twice and then head to see a fit ophthalmologist twice before we got her eye to heal . All four visits are covered under the insurance and all four were paid . Having this insurance allows us to take excellent care of our dog because we know we're going to get most of it reimbursed .
  • INSURER: Embrace
  • POSTED: 04/03/2016
  • BY: Dawn
  • BREED: Miniature Schnauzer
  • AGE OF PET: 7 - 10

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5

out of 5

Wonderful service and caring staff

I've had other insurance companies for my animals through the years and embrace have been amazing. This has been the greatest insurance experience I've ever had. The go out of their way to complete claims and always ask about our fur babies. They were amazing when our year old puppy passed away and even sent a very sincere condolence. Pretty much everything has been covered and no surprises. Thank you so much.
  • INSURER: Embrace
  • POSTED: 04/03/2016
  • BY: Arthur's
  • BREED: Bloodhound
  • AGE OF PET: 7 - 10

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