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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.

3

out of 10

Not a good experience

I have been disappointed with this insurance. I used to have ASPCA and it was very good but very expensive. When I got my second dog he was covered by the shelter with a free three month "Shelter Care" plan issued by 24 hr Pet Watch. I received the pitch to continue and upgrade the plan and took it and had the same experience as another above reviewer with the company saying that my dog's eye condition was pre-existing as he had it at the shelter when I adopted him. So the information about the upgrade and continuance of the shelter insurance was misleading I felt. I am surprised animal shelters are offering this and, if they do they should warn people that anything the dog has under that first policy will not be covered. Also, they take forever to respond to claims.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Terrier Mix
  • AGE OF PET: 1 - 8

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10

out of 10

You have to use Embrace - none better

We got Embrace in 2009. Six months later, our 6-year old, Bagel, got unexpected and unexplained lymphoma. Embrace sorted out all the claims and made the process so easy to get reimbursed, which is what you need when everything is in trauma from a pet with a critical illnes or injury. During that period, Embrace employees working on the claims would ask about Bagel. When we lost her, they all sent sympathy e-mails. We have Embrace for two other dogs, and purchased the wellness adder. We cannot say enough about the great value, overall experience, and quick reimbursements. Top dog insurance - you need to choose Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Schipperke
  • AGE OF PET: 1 - 8

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6

out of 10

Took a very long time to process this claim

While I was kept informed of the process, it took over a month to process this claim. There was only one charge and the amount was just applied to my deductible, so I'm not sure what the hold-up was with it.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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4

out of 10

Be careful what you wish for

Honestly, I feel your coverage does not take into consideration that I live in New York, where everything is more than some small mid western state. My bills come in and your coverage is more times than not laughable Just for the record I have 8 dogs. Ranging from small french bull dogs. to 90lb weimaranar
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: 1 - 8

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5

out of 10

Claim

Molly became sick had to go in for multiple tests cost total of $759.00 This claim took 5 plus weeks to be processed and resulted in $110.00 back to me. Ratings 1 on processing claim ( 5 plus weeks) but 9 on customer service.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: 1 - 8

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9

out of 10

Insurance proved valuable

My dog Lola began having gastrointestinal issues as a puppy, involving several trips to the vet. The very first trip met my deductible and subsequent trips have been covered by the insurance. It took several different visits before they decided she had an intolerance to her food. Thankfully, she is doing well on a sensitive stomach food now and has regained her weight loss. I never expected to have to use Embrace this soon as her first few months as a puppy were illness-free. I am very thankful to have the financial security of Embrace insurance because even minor problems can become expensive with numerous trips to the vet.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: Under a year

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10

out of 10

AMAZINGLY FAST claims process

Policy only in effect for 2 weeks, I uploaded a wellness claim for a spay and vaccinations to their website on Sunday evening, by the end of business Monday (less than 24 hours later), they had direct deposited payment to my bank account. You really can't ask for faster than that.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dachshund
  • AGE OF PET: Under a year

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9

out of 10

Great insurance!

I have used pet insurance in the past (for my horses)that has saved me many times but had never had insurance on my dogs. I have had my two doxies insured with Embrace for about 4 years now and have recently had to submit a claim for one of my dogs that had a slipped disk in his neck due to an accident. I had to take him to a specialty teaching vet hospital that had a neurology dept. I had the plan with a $500 deductible and then they pay 90% with a maximum coverage of $10,000. The total bill was almost $5000 and the only thing that they didn't pay was the prescription meds because I didn't have that extra coverage under my plan. The claim did take over a month to process, but they kept me informed through email apologizing for the delay and assured me that they were working on my claim. The reason that I chose Embrace was because I had researched the many companies and Embrace had the best reviews and the least problems covering claims.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dachshund
  • AGE OF PET: Over 8 years

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10

out of 10

Mast Cell Cancer

My 5 year-old lab mix dog was diagnosed with mast cell cancer. She required two surgeries to remove and exam the cancer lesions. She has recovered and is doing well now thanks to the rapid and quality pet care. I am 100% satisfied with Trupanion and the quality customer service I received from them. They answered my initial questions on the telephone and promptly processed my claims within days. I would highly recommend this service to other pet owners.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Great service, fast payment, but vet note required

Claims were both processed in 2 days and check received within a week.Only issue is that one drug was not covered. After calling, a vet note was required to cover that drug. The problem is that since the claim is closed now it's going through an appeal etc... would have preferred to have been contacted to get the fax from the vet before the claim was closed.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: King Charles Spaniel
  • AGE OF PET: 1 - 8

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