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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.

9

out of 10

It is Worth the Cost

I have a lab/boxer mix who is currently 13 years old, and she's full of energy, but as we all know dogs this age can have health issues. I had my personal insurance agent review several pet policies and it was his opinion that the ASPCA policy was the best.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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10

out of 10

Healthy Paws is AWESOME!

Healthy Paws is one of the best companies I have ever dealt with, much less by far hands down the best insurance company - person or pet. Healthy Paws are what I think insurance companies were originally intended for (people, place or pet). You sign up for your plan, pay your premium (hope you never have to use it) and when the time unfortunately comes and you have to use it they cover you for what was agreed upon without nitpicking every single thing looking for a way to avoid paying out. They also treat you with respect, kindness, professionalism and prompt polite service. My dog has been covered by them since about 2010 and really haven't had to use it thankfully until this summer. Oliver started limping around August and having an issue with his rear right leg. The vet thought he had a torn ACL and we started him on conservative treatment - acupuncture, Rimadyl, rest and weight loss in hopes to avoid surgery. Healthy Paws covered his vet bills according to the plan I signed up for - 80% with a $100 deductible. Unfortunately he still needed surgery so scheduled it for the end of September. The night before Oliver seemed to injure his rear left leg and could barely walk. He had the rear right leg surgery and could only wait and see on next steps for the new injury once he was healed up. Stressful (and expensive) time to say the least. I picked him up from vet on a Friday, had his claim submitted and I had an email from them in 2 days stating they were proces
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pit Bull
  • AGE OF PET: Over 8 years

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10

out of 10

These guys invented customer service!

We've had Embrace for years, and have never had anything but amazing communication and service at every level. If there was a delay in processing a claim, we were informed that the claim was in process but that things were taking a little longer than expected. In most instances the claim was promptly paid once our deductible was met - IN FULL! Having the peace of mind they give me in case something unforeseen occurs is priceless to me!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Super fast wellness claim processing

I turned in a 300.00 wellness claim for my 3 year old saint Bernard and and got the refund less than a week later. Awesome company, great customer service. Glad to have the peace of mind by having them.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Saint Bernard
  • AGE OF PET: 1 - 8

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10

out of 10

This is why we get insurance

I consider insurance to be working the moment I can make healthcare decisions for my dog without worrying about 1. how much it will cost; and 2. how much effort it will take for it to actually cost that much. Any plan (such as VPI's) that has a reimbursement schedule (i.e. fixed limits for each illness/treatment category) gloriously fails (1) in my opinion. On both these counts, Healthy Paws has been working phenomenally well for me. I have a 90% coverage plan with a $250 annual deductible (no preventive care) for my 2 year old chihuahua mix. My monthly premium is a little under $30. The claim process is very simple. Print out a custom claim form (I have several printed out and at hand so I get the vet's office to fill it out after every appointment) and scan along with the invoices and email. Every single time, Healthy Paws has blown me away with how soon they processed the claim (usually under an hour). In my first year, I made several small claims but they did not go over the deductible, so I wasn't reimbursed. Sure, on the whole, I paid more out of pocket than I would have without insurance. But I understood the policy and what was excluded and knew fully well what to expect. Two weeks ago, my dog needed surgery for cherry eye, and, immediately after, needed an emergency vet visit when he had diarrhea and regurgitation and loss of appetite while recovering from his anesthesia. The bills were steep, but, in the midst of everything we went through, I'm gr
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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10

out of 10

Always the Best

I have two pets, one is on Petsecure and Miela is on Trupanion from the moment we had her. Trupanion super-exceeds Petsecure by a long shot! Trupanion is always diligent in processing insurance claims and also their 90% coverage without deductible is amazing, the fact that they also cover Hip Dysplasia is a relief. I have and will continue to recommend Trupanion to all my friends and family who have pets. Trupanion cares and is #1 in our household!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siberian Husky
  • AGE OF PET: 1 - 8

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10

out of 10

FAST Claim Processing!

I've never had pet insurance on my pets before. After a bad experience with the loss of my 15 month puppy I figured I would give it a try. I couldn't be happier so far. Their premiums were a fair cost but what sold me what their wellness benefits. They practically pay for themselves. Embrace processes their wellness benefit claims fast. I just fax over the paperwork and I receive a check in less than a week; usually within 3-5 days.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mastiff
  • AGE OF PET: Under a year

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10

out of 10

Great service and peace of mind

Our sweet 11+-year old cat has developed cancer which can be treated as a chronic condition. She has been insured with Trupanion for many years. The diagnostics and interim care were very expensive (nearly $4,000 in costs in 7 months). The ongoing treatment and monitoring will be perhaps $1,000 per year for the rest of her life.Our kitty is responding very well to the treatments and is once again her happy self. Trupanion has paid all claims promptly, with a caring attitude and great follow-up. Thank you to Trupanion for its excellent insurance plan and helpful staff. There is another benefit to having pet insurance: we always travel with peace of mind. Our pet sitter and our vet both know that if anything happens to our kitty while we are away, cost is not an issue: the treatment should be based on what's best for our pet in the long run.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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10

out of 10

First Experience, High Expectations Met

A year or two ago I researched insurance plans on sites like this and ultimately decided to go with Healthy Paws over some others. Yes, it is a tad more expensive than some of the other top rated plans, but I figured it would be worth it if the reviews were accurate. That said, after having to make my first claim this month I can attest that the reviews are correct. The claim process was very quick and easy - and the Healthy Paws staff very helpful and caring. They even check in to see how your pet is doing after treatment - in my case a broken toe on my cat. Suffice it to say, I have no regrets with choosing them as my pet insurer and I now have the peace-of-mind that if something more severe were to ever happen that Healthy Paws would be there for me and my pet.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Tabby
  • AGE OF PET: 1 - 8

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10

out of 10

They do what they promise and more

The first time I used my Trupanion coverage I was very impressed. Their customer service was super and they provided exactly the coverage I was promised, no surprises. I've been recommending them to my pet-parent friends.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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