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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

self consumption of chocolate (large bar) and coug

Had a medical issue with our two year old pet, named Casey. He was transported to a Veterinary Emergency Clinic and Casey was treated promptly. A clinician statement was sent to Trupanion forwith. A reply was issued a short time later, asking how Casey was and stated that they had our claim. Trupanion advised us that they were in the process of looking into our statement of claim. A positive reply was issued in that Trupanion covered most of our claim. We are very pleased with the prompt service of Trupanion and the over all quick response.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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9

out of 10

so far so great !

I have had embrace for a few years but only had to use it this year. My 7yr old Shipoo got diagnosed with bladder stones & a UTI. I had to take her for bloodwork, xrays and follow ups. After my deductible was met they started sending me checks for my coverage. The turn around time and the customer service is excellent. They are very helpful and always answer my questions.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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10

out of 10

Pet Coverage and Care

I found Trupanion an honest and very very fair company to deal with.I submitted my claim reallynot sure what would be covered and 90 perecent of the bill from my Vet was covered quickly and very caring manner Audrey Smale for Mandy
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Maltese
  • AGE OF PET: 1 - 8

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3

out of 10

We should have known!

My husband signed up for this insurance because they made it sound so simple. Just send in your bills and they will be paid. It has been nothing but a hassle since we started needing it. I'm sure the vet even hates to see us come in. McKassie was taken to the vet due to lesions on her nose, a biopsy was done and she was diagnosed with lupus. First claim was sent in under wellness claim. Insurance deemed it was not a wellness claim as vet wrote in the observation box what his findings were. Embrace did deduct this amount from the deductible. Next claim was for the biopsey under anesthesia this claim was applied to deductible. When results returned vet ordered medication which was picked up by family member. Had to take McKassie back to vet due to bleeding gums and bruising on body, at this time I had him fill out form for meds that he had ordered along with this visit. He filled this form out as a wellness visit. This time embrace didn't even add this office visit to the deductible. On the "basic wellness rewards" info we printed off the site it says routine care wellness exams & office visits are covered. Apearantly going to the vet isn't an office visit? Between our health insurance and our dogs insurance it is a full time job of paper work.It is hard to give an overall rating as we haven't used any other pet insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Collie
  • AGE OF PET: Under a year

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5

out of 10

Wellness Claim

I neglected to check the date of last years yearly exam, heartworm test, vaccinations, they were not covered because I was a little to early and the claim was denied. I am still enrolled for 2013, so why does it really matter when my yearly exam is? I am only going to have one yearly exam, heartworm test and vaccines. My tip to other insured pet owners, remember our enrollment anniversary!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: 1 - 8

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2

out of 10

Buyer beware--not what you'd expect!

Scoundrels! I began a policy for my dog in 2006. He tore his ACL on March 17, 2013 and had surgery on Mar. 26, 2013. It just so happened that the plan year for his policy renews annually on Apr. 15, 2013. Because of this date being 19 days after his surgery, ASPCA denied coverage of medications prescribed at his follow up appointments, saying tht it was now a pre-existing condition and none of his further related expenses would not be covered for another 180 days following surgery date. Just when you need them, ASPCA Pet Health Insurance will duck and weave and deny coverage-- blaming you as the pet-owner for not being smart enough to read all their emails and purchase a special endorsement that would have filled in this big loophole the wrote for themselves in the original policy. Honesty and integrity means nothing to these people.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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8

out of 10

Thank you

it was great I had a very nice rep call and ask about my pet , to see how he was doing and if I needed any more help ; I wish my reg ins would do that .Thank you
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Cocker Spaniel
  • AGE OF PET: Over 8 years

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10

out of 10

Very quick to reimburse for Well Care claim

Just done wellness exam on Friday July 19th, and purchased Heartgard. I received an email my reimbursement check has already been sent on Thursday July 18th, and for the exact amount I was expecting! I wish I had known about Embrace before I lost my sweet Boxer girl to arrhythmia cardiomyopathy. I had a different company and they did not pay ANYTHING, called it 'breed specific', and the paid almost nothing on well care.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Boxer
  • AGE OF PET: 1 - 8

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10

out of 10

1000% endorse this company

Kujo is a little puppy we adopted several weeks ago from a rescue organization. He had a rough start at life being severely neglected with lack of even simple life's basic needs of water and food. We have Alaskan Malamutes for the past 25 years and always adopted from a reputable breeder so we knew entire generations of the animal's history. We had Kujo signed up for insurance as he was just such an unknown to us and right from the beginning we felt like he was going to be a handful causing lots of excitement ( prediction right-3 months old and almost died from abusive home and now with this incident!) Our vet suggested TRUPANION and after an initial clean bill of health 2.5 weeks ago, we were enrolled in a 30 day free trial and also signed him up. Kujo had this horrific injury ( penetrating injury to bowel with resultant peritonitis) and we told the vet that we will do anything to make this guy better as we had to give him a chance after fighting so hard to survive at initial abusive home. I had looked into the insurance and saw there was a waiting period on the policy and thought crap; just our luck! However, Kujo was our priority so we never thought no more on the cost and proceeded to try and get him better. So yesterday I happily picked up my little trooper and a FOUR page invoice. After 1 week in hospital with multiple X-rays, bloodwork, special tests, IV fluids and multiple medications entire time, major surgery, intensive 24 hr care, etc, etc. The rece
  • 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

Healthy Paws is the REAL deal!

For pet lovers who really desire best health coverage for their pets - Healthy Paws is the one! Our golden retriever Mojo has had a Healthy Paws policy for 18 months. Three important take-aways during this time which endear us to Healthy Paws:1. Reasonable, low cost monthly premiums which provide good coverage. We chose a $250 annual deductible with 90% reimbursable and our premium is $34/ month. 2. Reasonable increases to premium upon policy anniversary. Some background - first insurance company (ugh, Trupanion, separate review) which covered Mojo notified us 11 months into policy that premiums would almost triple at first anniversary. Adios Trupanion. Fast forward - eleven months with Healthy Paws we were notified premiums would increase $3 - reasonable. 3. In first year with Healthy Paws, Mojo had lacerated paw with hospitalization expenses of about $1,300. Healthy Paws not only processed reimbursement in 24 hours but followed up with Emails to ensure receipt and Mojo's recovery. Mojo and I highly recommend insuring your pets with Healthy Paws!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: 1 - 8

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