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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.

1

out of 10

Our first Claim with Embrace

We chose Embrace for two of our dogs insurance and submitted our first claim. Our dog had high protein (a year ago) in his urine which Embrace counted as a pre-existing condition. Recently he was not acting well so we brought him to the vet to see if something was wrong. Our vet did a number of tests - ONE of which waS related to the pre-existing condition. The bill was $645. Embrace initially rejected the whole claim. After appeal they agreed to pay only the wellness portion ($200). T The rest of the tests they rejected...including Chemistry Super, T4 Thyroid test, and the Lyme panel which were absolutely not related (and not part of a wellness exam). They basically are saying that if there is ANY pre-existing condition All diagnostic testing for that pet will be denied forever....no matter how unrelated the test are to the initial condition. This is completely unacceptable. I consider this company to be deceitful and totally unethical. Do not sign up for Embrace...find a better choice as we are going to do!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Much improved since I first got insurance

I am quite pleased Trupanion as I feel the company has become more user friendly. I have noticed that reimbursement turnaround time is much faster and claim is clearly explained as opposed to earlier prototypes. I am glad I gave Trupanion a second chance- it has proven to be well worth the monthly premiums.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent customer service and fast reimbursment

I was a little bit skeptical when I insured my dog with Healthy Paws but now,I am very happy that I chose them; In my first claim they approve my reimbursement just one day after they received all the documentation.The representatives were really kind and they answered all my questions regarding my claim very fast and kindly. Also a few days afters they just sent me an email to follow up the health of my dog; something that I really appreciated and that not even the clinic did. I really recommend this insurance because before I bought it I searched and compare many others companies and it was the more affordable and with better benefits, and now I could see that what they say in its website is true.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Jack Russell Terrier
  • AGE OF PET: Under a year

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10

out of 10

Excellent and Responsive Service

This is the first time we've ever had pet insurance. With the high bills we had caring for our last dog who died of cancer, we decided to purchase it for our goldendoodle. She got very sick right before Thanksgiving and ended up in the hospital in the middle of the night. Her decline was very rapid and we were shocked at how serious her condition had become. The easy claim filing and the unbelievably quick response from Healthy Paws was a relief. We were expecting a hassle like most insurance claims, but there was none and our claim (app. $2500) was processed within a week. We received the check a few days later. Also, their kind inquiries afterward about Sophie's health was much appreciated. We have already recommended Healthy Paws to friends and both the pet hospital and our vet asked for Healthy Paws information.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: 1 - 8

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10

out of 10

Polite and Prompt

I have had Embrace insurance for the last 4 years or so. Embrace has always paid claims promptly and without fuss. The staff has been unfailingly polite and accommodating. This review is not for one incident but for many over the last few years as my dog's health declined due to kidney disease then kidney failure.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chow Chow
  • AGE OF PET: Over 8 years

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10

out of 10

Excellent coverage - very prompt payment

My dog Ben has been with Healthy Paws since February, 2012. My experience with Healthy Paws has been just fantastic. He's 9 years old now; getting the up-front review of medical records to identify pre-existing conditions was really helpful. What I really appreciate as the months go by is how fast they review claims: we had a vet visit yesterday, the office faxed the claim form before we left, and today we received the Explanation of Benefits. The check will take a while to arrive, but knowing the numbers so promptly lets me budget accordingly. The premiums are very reasonable, too. I've dealt with other pet insurance companies who take weeks to process a claim. I recommend Healthy Paws to any pet owners I talk to!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Flat-coated Retriever
  • AGE OF PET: Over 8 years

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10

out of 10

Hunter

Insurance is great but it took two months to process because they needed to get all the background info from his other vets before processing. I'd assume any further needs would be much quicker. The Care Credit Card gives 0 interest on bills over 200.00 so that helped avoid interest charges.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Poodle
  • AGE OF PET: Under a year

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10

out of 10

Good Customer Relations

Payment took a little longer than expected but settlement was fair. Contact maintained throughout process. Customer relations was very attentive and cooperative. One definitely significant negative-I was notified almost immediately after my claim was paid that the premiums would be increasing by about 25%.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Welsh Corgis
  • AGE OF PET: 1 - 8

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10

out of 10

Thank you Embrace!

My monthly premiums are so reasonable and my dogs have been very healthy. But with a surgery suddenly needed and a surgeon called in, I couldn't be more pleased with my coverage. They're paying 80% of the total. I did opt for prescription coverage also, and I am so glad I did. Medication was needed for the 1st week and a half.
  • INSURER: Embrace
  • POSTED: 05/09/2019
  • BY:
  • BREED: Flat-coated Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Slow, but fair

Although I appreciate that this company has extensive coverage, the claims take too long to process.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 8 years

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