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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

Fantastic Excellent Helpful

They are great. They review the claims quickly and get your refund to you very quickly also. Extremely courteous and helpful when you call them. We are very pleased with Trupanion. So glad we have them!!!!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Excellent

Claims were submitted on-line by the vet office and were processed almost immediately.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Dachshund
  • AGE OF PET: 1 - 8

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10

out of 10

Update to Prior Review

I previously posted a review saying how impressed I'd been with Embrace and this trend has continued. My dog needed a liver panel follow-up ($180) and I had notice of full reimbursement (less the policy's deductible)less than one week after the vet appointment and before I'd even received test results. Amazing!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Cocker Spaniel
  • AGE OF PET: 1 - 8

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9

out of 10

Worth Every Penny

(Less one star based on an instance where I was not advised of a change in Trupanion's policy regarding one item, which caused a bit of time and effort to resolve to my satisfaction.) Dear Trupanion, Thank you so much for your prompt response - it's been less than a day since I submitted my claim to you, and I just got an email saying that it's been processed! More, thank you for being there. When I first signed up with your company last summer, I was kind of taken aback afterwards - the policy felt like a luxury that I could barely afford. And - also somewhat unnecessary - still 13 years old and insurable then, up until that point my cat Titania had been perfectly healthy. However I have to say that because I took that jump to get on board with Trupanion, Titania has been pretty well saved from 'economic euthanasia'. Since getting the policy, I have saved several thousand dollars at least. So far you have seen her through two fractured teeth, both a heart murmur and arrhythmia, a severe kidney infection, and what appears to be the start of kidney disease. With your help, Titania has gotten the excellent care she has needed, and so the quality of her life right now is actually quite good. In retrospect, taking the initial risk to purchase a policy was such a right decision.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 8 years

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2

out of 10

Total Scam

3 years ago our dog had begun to lick and chew on her tail. We eventually had to have it amputated. This claim was covered by ASPCA. It took several months to receive a check. The claim was $950 and ASPCA gave us $400 back- not so bad. After her surgery she healed and was fine for over a year. 2 year later she began to chew on the tail again. We battled with this second issue for over a year. The doctors didn't want to amputate it again and instead kept prescribing medicines to help with nerve pain. Our dog finally became so fixated on her tail at one point that we took her to the ER vet and they proceeded with amputating her tail a second time. Our claim ended up reaching over $4000 for the year+ that we spent taking our dog to the vet and for the surgery. ASPCA looked at the claim as a pre-existing condition and denied the claim. In their policy they state that 180 days constitutes as a waiting period in between injuries, however, they kept suggesting that our dog was never "cured and clear" of the injury. They hold all of our medical records directly from the doctor that show no indication of our dog being seen for anything other then a regular check up. I put in an appeal for the claim and received a letter with new excuses for denial. One, being that the claim was not submitted in a reasonable amount of time since the start of the incident. If we were battling the incident for over a year, then what do they expect? We submitted the claim immediately
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Mix
  • AGE OF PET: 1 - 8

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9

out of 10

So far, so great

I'd been covering my two cats with another popular pet insurance product. The other company really made my angry one day (and not for the first time) when they refused to expand and offer cancer coverage to one of my cats even though Willow was under the cut off age for their cancer rider. I was ready to pay extra, but they wouldn't take my money. This is what lead me to change her over to Embrace. The older cat is still on the old plan because he's old. But it gives me a good chance to compare the two plans. So far, the reimbursement for a Wellness visit is about $30 more than I get from the other plan. The customer service has been great. Very proactive and friendly. I feel very pleased about my choice, so far. I'm paying a little more per month for Embrace, but I would have had to do that if I'd been able to get the cancer rider.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Longhair
  • AGE OF PET: 1 - 8

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10

out of 10

My Great Dane puppy Kayos & his experience

Kayos a Great Dane puppy had an everted third eyelid. He was scheduled for surgery m2 days later, trupanion worked with me to get the preapproval done. He had his surgery and about 8 days after submitting the claim I received my reimbursement check. My first experience with pet insurance and in hindsight everything went pretty smooth. Kayos's eye has healed and he no longer has to wear the cone of shame. He is back to his happy healthy self. He is such a marmaduke. Thank you Trupanion for your patience and help during this stressful time.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Great Dane
  • AGE OF PET: Under a year

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10

out of 10

Best decision I ever made

When Mr. Utley - my Golden was a puppy I debated whether or not to get insurance. After doing a great deal of research, comparing the different companies that offered insurance, I decided to go with Embrace - based on all of the favorable reviews I had read about them. Over the last five years, I've been lucky enough to never have really needed the insurance - only had a couple of sore pad issues. I used to kid that my dog has better health insurance than me and people told me I was crazy to spend the money. But I knew that there was no price tag you can put on piece of mind - knowing that, if God forbid something bad happened to my guy, I would never have to decide on the future of my dog's health based on a cost analysis. Mr. Utley was just diagnosed with cancer and as difficult as it was to hear the diagnosis, the one thing I didn't have to think about was how could I afford to help him. When sitting with the oncologist discussing his treatment options, it was reassuring to know that I could afford to give him the best care available because I have GREAT insurance. We have just started his treatments and Embrace has made dealing with this illness as bearable as possible. I don't have to worry about the financial aspect and can just focus on making my guy better. Every time I meet someone who just bought a puppy I urge them to get Embrace Insurance. Like I said in my title, it was the best decision I ever made.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent staff, website, very quick claim process

Excellent service - staff extremely helpful and responsive. Website to submit claim very useful and response within two days of submitting claim and associated paperwork. Have already recommended Trupanion to other pet owners. Keep up the excellent service!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: 1 - 8

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7

out of 10

Great choice of Insurance-wish it had more coverag

I have had ASPCA for 4 yrs now and though I have had few incidents, I really wish it covered more because on those few incidents I had - ASPCA didn't cover as much as I would have needed. Beyond all that, ASPCA is very easy to use, file claims, and has great customer service. It's reasonably priced. The customer service is really good and everyone is knowledgable and pleasant on the phone.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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