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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.

8

out of 10

Thank goodness for ASPCA Pet Insurance!

We have had coverage for nearly three years now and I never thought we would need to use it. Unfortunately our Labradoodle, Briggs was diagnosed with Addison's disease in June 2012. From the diagnostic tests to continuing treatment, our plan has reimbursed a majority of the extensive costs. Thankfully Addison's is manageable and ASPCA is becoming more user friendly with online claim submissions and the option to have the reimbursement deposited directly into your bank account. I highly recommend everyone get insurance for their pet!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labradoodle
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent Company

Ive used my pet insurance 3 or 4 times in the past 8months that I have had the policy and its been worth every penny of my $50 monthly premium. The claims are paid right away,no problems what so ever. Ive had claims for several different things. First was an allergic reaction to her shots, then she had diarrhea for several days, the last thing was bruising and unexplained bleeding. My last dog died from kidney failure, so I know how much vet bills can be. I wish I would have known about Trupanion when she was alive. I was offered a free month of Trupanion from my vet when I brought my new puppy, a french bulldog, in for her first vet check. She had an allergic reaction to her shots so I had an opportunity to use the insurance during my free month. The claim was paid in a timely manner with no problems. Even though I have had several claims in less than a year, I have been treated with the same courtesy and the claims have been paid in the same timely manner every time.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: Under a year

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3

out of 10

Try to get away with making everything pre-existin

Tried to put cancer as a pre-existing exclusion on the policy for a BENIGN lump removal. Tried to deny removal of an enlarged lymph node claim as pre-existing. They denied coverage for an ultrasound which is a DIAGNOSTIC procedure and everything was found normal as pre-existing. How can nothing found be pre-existing? Canceled policies on 2 dogs. Not worth the hassle.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Doberman
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws does what they promise.

We recently had occasion to put our Healthy Paws insurance policy on our puppy to the test. He had injured his paw on something, and it created an unexpected bill of over $500. We followed the easy to understand directions, submitted our claim, and within a couple of weeks we were reimbursed for the full amount due to us (less our deductible and co-insurance payment that we had selected). I highly recommend Healthy Paws. I am a preferred provider for many human health insurance companies, and my experience with Healthy Paws was completely painless compared to my experiences working with human health insurance company policies and practices. Bravo, and thank you. Sincerely, Kathleen M. Devney
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Embrace covered my dogs torn ligament TPLO surgery

It crushed my when my beloved Pit mix Luna tore her ligament in her right knee while running on the beach. It became worse and worse as she aged and I had to deal with the awful choice of her living her life crippled or paying for a $4000 surgery i could not afford. Lucky i had embrace insurance and was able to choose my doctor which was UC Davis Veterinarian hospital (the best). Embrace covered the claim with no problems. They really made the ordeal much more bearable. Embrace is awesome and i researched tons of dog insurance companies before choosing them. I wish my own health insurance was as good as embrace...my dog has better coverage than me for less money :(
  • INSURER: Embrace
  • POSTED: 07/21/2020
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

For once a PLEASANT surprise!

Healthy Paws is the 3rd pet insurance I have used. We used VIP which I did not like at all and I think Pet Plan. Healthy Paws is by far the best. They cover exactly what they say they are going to cover AND they are So nice and helpful. You can even get assistance via email after hours. I was so surprised at the end of the night when I sent an email wondering about a problem with my first claim that was cleared up in minutes via email and it was my misunderstanding. I received follow up emails about my pet's health and then emails explaining my reimbursement which was amazing. The monthly payment is reasonable for my $100 deductible and 90 % coverage and I can't believe how efficient and kind they are. I HIGHLY recommend Healthy Paws Insurance!!!! - and am so grateful I made the decision to use them.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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4

out of 10

Very Stressful and Confusing

The hold up was Trupanion receiving medical records from earlier vet. After the vet forward and I forward the record, Trupanion still didn't post that they had the record. And then when new claims were submitted it was like it an automatic message that the records were missing.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Shorthair
  • AGE OF PET: Over 8 years

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10

out of 10

Excels in service and personalized communication

I have had pet insurance with another company in the past and Embrace has proven to truly be an efficient and reliable company for coverage and personalized customer service, i.e, they call to check on my pets when they have been sick, when I send them a photo of my pets they acknowledge it and are very complimentary and interested in them. Their personnel are readily available, courteous, speak and understand English and processing of claims is timely and efficient. I would highly recommend this company to anyone needing pet coverage.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dachshunds
  • AGE OF PET: Over 8 years

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8

out of 10

Good product

we researched a lot of companies before selecting embrace and so far I am very happy with the coverage and service. Our dog has broken his foot and had hypothyroid testing since we purchased the policy. Both conditions were covered. I also appreciate the great customer service we have had when dealing with embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mastiff
  • AGE OF PET: 1 - 8

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10

out of 10

Amazing company!

We have a bulldog that REALLY likes socks. He ate several of them and suffered a complete GI blockage. After the first emergency surgery to remove the blockage he went into shock and needed a second surgery. One blood plasma injection and six days in intensive care later and he was well on his way to recovery. The total cost was around 16k and Trupanion paid their share within a few weeks of the claim. I'm so glad we didn't have to make a life-or-death decision for our little guy due to financial reasons. Do yourself a favor and buy insurance for your pet. I can't say enough good things about Trupanion and I recommend them to every pet owner I meet.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Old English Bulldogge
  • AGE OF PET: 1 - 8

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