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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.

2

out of 10

WOULD NOT RECOMMEND

I live in Manhattan and have 2 French Bulldogs. One of which has chronic bronchitis, as well as thyroid issues. Every time I submit a claim to VPI I am very disappointed. I never know if I am going to get 10% back or 80% back, but the majority of the time it is below 50%. Since my other dog had no pre-existing conditions, I moved over to Healthy Paws, and I couldn't be happier with them.
  • INSURER: Nationwide
  • POSTED: 10/12/2017
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: Over 8 years

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8

out of 10

Could be better

My dog had gastroenteritis. The bill was close to $500 and I was reimbursed $326. That's pretty good but they took a month to pay AFTER they received the claim. And couldn't give me status even after any phone calls.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pekingese
  • AGE OF PET: Over 8 years

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10

out of 10

QUICK AND PAINLESS!!

I have to say that I have been skeptical to say the least when it comes to pet insurance. You hear these horror stories of unreturned emails/calls. Claims being rejected and terrible service.. But after arriving to Hawaii My schnauzer has unfortunately developed an overall sensitivity to everything even down to what she's able to eat. So with my vet bills going from bad to worse my veterinarian kept suggesting I look into insurance. She kept saying "some even cover the presciption food" and so after 1 year I caved. I purchased embrace in December and I just went to the vet and my whole claim was processed and reimbursed In less than 48hrs! The money's great but I'm so thankful for the piece of mind. And I'm feeling like a better dog parent by the minute. Thank you embrace!! I regret not taking the plunge sooner!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Schnauzer
  • AGE OF PET: 1 - 8

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10

out of 10

Embrace is great !

This is the first time I have had pet insurance so I didn't know what to expect if a claim came up. My dog woke up one day and wasn't able to walk. After many tests he needed surgery on a herniated disc. This was an expensive procedure. Over $7,000 including the MRI. All claims were paid in a very timely manner. It was the easiest process you could imagine to be reimbursed most of those charges. Embrace is an efficient and well run insurance company that I would highly recommend to anyone. Thanks!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws is one of the best things I ever did!

Did a lot of research on Pet insurance when I first started looking into it. Healthy Paws was always near the top. I choose to go with Healthy Paws because of their history of quick claims service and they did not disappoint! I have been a member of two 80lb. dogs for about a year and a half and I could not be happier. During that time my Rottweiler mix has had issues with his ACL in both legs and the meniscus in one as well. All total about $8,400 in surgery and Healthy Paws never questioned any part of it. I typically have my reimbursement check within a couple days of submitting the paperwork. I tell everybody that I ever talk to that has their own pets about Healthy Paws. I could not be happier with them. Its good to know that there are still good companies out there that a person can trust will do what they say they will and not drop you or raise your rates through the roof because if accidents that you can not prevent. My Dogs, 5 year old Chopper and 4 year old Montana will be covered by Healthy Paws for life!!!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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7

out of 10

Beware of pre-existing condition

I bought a wellness and illness/accident policy to cover my jack russel/fox wire terrier mix dog I adopted from the shelter. When I adopted him, he was wheezing in his chest. I went to the vet and they gave me antibiotic for his infection. I then bought this insurance policy. You have to take your dog to the vet within a year for this policy; otherwise, you have to take him to the vet within 14 days or so when your policy start. Since I just adopted him, I only had the one vet visit to report back to the insurance. Three and half month later, my dog caught Kennel Cough from a dog at the park. I had to take him to the vet to get antibiotic. Since he had an "upper respiratory infection prior to the start of your policy which makes any conditions caused by or related to this condition pre-existing until he has been free of all clinical signs for a full 12 months from the last noted occurrence" I could not get reimbursed for the kennel cough nor will I be able to get reimbursed for any other respiratory infection until 12 month later. I do not understand why I have to wait a full year to be cover for respiratory infection. There are several different type of respiratory infections and some are triggered by several different type of organisms. For instance, Pneumonia and Kennel Cough are caused by several different strains of bacteria, viruses, and fungi. My dog was already vaccinated against Kennel Cough from the shelter; however, he still got it because he caught a different strain the vaccination doesn't work against. So, beware of any pre-existing condition your dog may have had in the past because they won't cover you. FYI: They will contact the your vet and request a copy of your charts. This is probably standard against other pet insurance. I did get reimbursed for a test that was part of my wellness plan, so the I can't complain about the wellness plan. I recommend adding it to your plan.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws Delivers

Healthy Paws is worth every penny and we are so glad that we signed up for insurance with them. They deliver what they say they will and quickly. Our dog had a terrible stomach bug and spent two days in the animal hospital and they covered us for exactly what we signed up for. They even checked up to see how are dog was doing. Very happy with their service.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: Under a year

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10

out of 10

Our confusing claim review was quickly resolved.

The invoice prepared by our vet gave the impression that Clover's visit was illness rather than wellness related. This made a $325 difference in our eligible Wellness Rewards reimbursement. One quick email, and Embrace reviewed their interpretation of the claims, checked with our vet, and, within a few days, we received our full $400 Wellness Reward...complete with an apology. Both professional,and appreciated.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Poodle
  • AGE OF PET: 1 - 8

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10

out of 10

The Day Before Vacation?!?!?

The day before I was supposed to leave for a long trip my dog started to cry when going to the bathroom. I took her to a 24hr clinic since our vet was closed. When they started to advise me about what they wanted to do I told them to do whatever was needed because I had the peace of mind in knowing that my pup has great insurance. UTI infection - antibiotics and my "Piper" is well. She hasn't even finished her meds and a check from Embrace is already on the way. And its not all about the money -the people at Embrace are GREAT -always kind, informative, friendly and quick. Well worth it.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Springer Spaniel
  • AGE OF PET: 1 - 8

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10

out of 10

good experience

They were very on the ball in letting us know where the process was at; always reminding us they were working on it and letting us know the moment it was completed
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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