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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

Help is at Hand

We cannot imagine how we would have managed without the sensitive caring staff of Trupanion as our dog journeys his way back to health. Honest, caring, effective- efficient- this company has helped us help Griff get the care he needs. There are no horror stories here- for the past 8 years, Trupanion has honoured claim after claim- Accidents and illness can come out of nowhere- with Trupanion- I believe they really do care as much as we do that animals get the best care they can. Lucky lucky us.
  • INSURER: Trupanion
  • POSTED: 10/23/2015
  • BY: j
  • BREED: Mixed Breed
  • AGE OF PET: Over 11 years

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1

out of 5

Trupanion Guilty of Fraud

I took my dog to the vet for a torn right front dew claw on 2/13/15. The total charge was $263. I did not meet the $500 deductible but was told by the claims adjuster that this amount would count toward the deductible on any future injuries to the dew claw. I took my dog back to the vet on 9/30/15 for an infection of this very same dew claw that had grown back. The charge from the vet was $231.42 This time Trupanion claimed that it was a "new incident" and that the previous deductible could not be applied to this incident. My vet was very disturbed by this and encouraged me to appeal the claim. They rejected the appeal and stated the following "While the current claim is for a torn dewclaw on the same foot and nail that was affected on 2/13/2015, there is no medical basis on which to systemically relate the current claim to the same underlying etiology. It appears the incidents are consistent with separate and unrelated traumas as there were no further abnormalities noted with the torn dewclaw after treatment in February 2015." WTF? If this isn't insurance fraud, I don't know what is! I am appealing this to the State Dept of Insurance. My vet has said that she will testify on my behalf that they are guilty of egregious fraud.
  • INSURER: Trupanion Canada
  • POSTED: 10/22/2015
  • BY: Tim
  • BREED: Pomeranian
  • AGE OF PET: 7 - 10

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5

out of 5

I feel so at ease with Embrace

I have been with Embrace for 5 years with two different dogs. I love them. I don't know what I would have done without them. With Embrace my babies get the care they need, when they need it.
  • INSURER: Embrace
  • POSTED: 10/22/2015
  • BY: Laura
  • BREED: Chow Chow
  • AGE OF PET: 7 - 10

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5

out of 5

Worth every dollar

I have had pet insurance since 2003 (different carriers). Hands down some of the best customer service, fast response, and extremely quick reimbursement in the business. I wish my own medical and dental insurance was so good. Literally snap a photo of a claim to submit through their app and (at most) 4-5 days later a response or even the check itself. They cover the level and items as discussed in the policy. No round around or delay. My dog had a medical emergency 2 weeks ago that really tested the policy. Less then 7 days after submitting the claim the check arrived. I would not hesitate to insure a pet through Healthy Paws. All 3 of my dogs have policies with them.
  • INSURER: Healthy Paws
  • POSTED: 10/22/2015
  • BY: Janell
  • BREED: Labrador Retriever
  • AGE OF PET: 7 - 10

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5

out of 5

So far, so Good!

We got a lovely poodle/Soft Coated Wheaton terrier pup at 3 mo. old in Feb. He has several minor health problems which have been quickly and efficiently covered by Embrace. We are happy with the coverage so far in his young life. He's now about 10 mo. old, happy, healthy and extremely social!
  • INSURER: Embrace
  • POSTED: 10/22/2015
  • BY: Barbara
  • BREED: Mixed Breed
  • AGE OF PET: 0 - 3

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5

out of 5

Great as usual

Just sent my paid bill from clinic, 3 weeks later get direct deposit from PetsBest. Quick and easy!
  • INSURER: Pets Best
  • POSTED: 10/22/2015
  • BY: Renate
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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1

out of 5

Stick with out of pocket

Sure, you could pay $1400-$1500 a year for coverage, but after considering that a very (very) minor portion of your claim will actually be reimbursed, you are far better off just paying out of pocket and moving on. If the vet determines your pet may have a skin allergy, that will be tossed in the "pre-existing" category and tossed out. At no point has there ever been "100%" despite paying for it.
  • INSURER: Pets Best
  • POSTED: 10/22/2015
  • BY: Josh
  • BREED: American Bulldog
  • AGE OF PET: 7 - 10

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5

out of 5

Wonderful pet insurance

I highly recommend Embrace pet insurance. Claims are handled quickly and efficiently. The company offers a very personal touch. I am very impressed and am glad I did my homework and chose Embrace when we adopted our new little girl.
  • INSURER: Embrace
  • POSTED: 10/21/2015
  • BY: Janice
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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4

out of 5

Very satisfied

VPI's reimbursement rates are very generous. I'm very grateful I switched to VPI.
  • INSURER: Nationwide
  • POSTED: 10/21/2015
  • BY: Celeste
  • BREED: Tibetan Mastiff
  • AGE OF PET: 7 - 10

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5

out of 5

The absolute best insurance we could ever have!

We have a Vizsla who loves to swallow things he shouldn't. He is 6 years old and has had 3 surgeries . Trupanion was right there the whole way. Never once a problem..and always very kind! I recommend them to everyone I know...and will never have another pet without having the peace of mind knowing we have Trupanion. Thank you Trupanion....

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