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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.

7

out of 10

Pet insurance

I like ASPCA better than the last insurance company I dealt with. It does seem to take a long long time for the claims to be processed, though. That's my only negative feeling about this insurance company.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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9

out of 10

Worth It

Our most recent claim involved a late night trip to the emergency vet, xrays and ultrasounds -- none of which are cheap. Submitted $1400 worth of claims and received $800 back from ASPCA, which more than paid for the year's premiums. Adding to the overall value is the pleasant customer service team, who have consistently been friendly, sympathetic and helpful on the phone. My one complaint would be what I feel is ASPCA's unfair comparison of what they consider the fair/average rate for vet services as they don't seem to take geography into account; EVERYTHING is much more expensive in NYC, so not accurate to base reimbursement on what the going rate is in other states/cites. Regardless, still worth it.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Saved our cat's life and improved ours!

We've had the pet insurance for a few years, but finally had an incident where we REALLY needed it. My cat had a serious illness and had to be rushed to the emergency vet and kept overnight for several days--and have surgery. Two hours after we had to drop him at the ER, my husband sprained his ankle and was out of work without pay for 4 weeks. Luckily we had the ability to front my cat's medical expenses, but even more importantly we didn't hesitate to take on all of the mounting costs for my cat because we knew we'd have 80% reimbursement (at least until our maximum amount per illness at our level). Without that knowledge, it might have been a heart wrenching decision to make simply because of a lack of finances. The reimbursement literally saved my cat's life and helped us pay our mortgage the next month. Correspondence with the claims department was fast and easy.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Shorthair
  • AGE OF PET: Over 8 years

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10

out of 10

Outstanding service

I have been with Embrace for over a year now, and boy, was it worth it! With a new puppy, you never know what you will run in to. Embrace has been a hassle-free pet insurance, and a pleasure to deal with. Embrace always emails me to keep me updated on the claim, which is very much appreciated!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: 1 - 8

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10

out of 10

Fabulous

I have never had pet insurance before for my previous dogs. But we were faced with a hard decision with our last pet and we couldn't afford to proceed with any further investigations to an illness due to cost. We had just had twins and there was no way we could spend thousands of dollars on tests and surgery to maybe find out that it was all futile and so had to put our last pet to sleep. So I made a promise to myself that I would not be in that position again. So with our new puppy in the house; I did some internet searches and fell across Embrace. I knew I did not want to go with the most well known pet insurer as I had heard that they were not good at reimbursement for major events. For me it was most important to have coverage for the unforeseen events and not for regular visits and vaccines etc... The friendly staff on the phone, discussed the available plans and options and helped me find the best plan with no pressure.My dog is 5 yrs. old now and unfortunately for her and I; she has been through the ringer with one thing and another but I can always count on Embrace to help us through financially. Improving the quality of her life which I could not otherwise afford. I feel like embrace is family and ALWAYS highly recommend them. I already have some friends at work that have also taken out policies with Embrace. I wished I lived in Ohio .... as I would love to go visit their office and office pets. I firmly believe they are a company of pet loving pe
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Newfoundland
  • AGE OF PET: 1 - 8

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2

out of 10

They Won't Cover ANY claims that I sent in

I am very sadden that Healthy Paws will not cover my dog's claim. Both my Vet's warned that the pet insurance industry is much like the human health insurance industry and many times that they don't cover claims. How right they BOTH were. Buyer Beware!!!!!! My dog got a skin allergy after eating something 2 days after the waiting period ended and because of that, they won't cover the insurance. This is a "newer" pet insurance company on the market and that brought down their ranking but I thought that they had good reviews. I took a chance and got blind sided. DO NOT GET THIS INSURANCE. SAVE YOUR MONEY! They haven't paid for 1 CLAIM!!!!!!!!!!!!!!!!!
  • 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

Liver Disease

Sandi ingested toxins, was hospitalized and remains on medication. Our lastest claim was for pills. Our Vet submitted report, Trupanion acknowledged receiving the claim immediately. They reviewed and confirmed paying 90% of the cost. Claim was submitted and payment received promptly.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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1

out of 10

Pet Owner's Nightmare

I became a Pet's Best policy holder in November of 2011. At the time my 1 year and 3 month old American Bulldog had a torn ligament in his knee. The Vet told us that surgery would be the best for my dog because he was concerned about the knee becoming a problem for my dog in his later years. The surgery was done at the same time in November that our policy took effect. The insurance did not cover this surgery and we where fully aware of that. At Christmas (over a full month and a half later) our bulldog started limping on his front left paw, so we took him in on 12/26/2011. The vet did not seem very concerned and treated the dog for an infection. His next check up was in a week on 1/2/2012. We came in for the check up and were floored when the vet told us that they thought J-Beau had cancer. We asked the vet for his opinion on our best options. He told us that there is a cancer specialist in Knoxville, Tenn. that could diagnose and maybe give us a selection of treatment options. So we drove from Peachtree City, Georgia (25 miles south of Atlanta) to Knoxville, Tennessee that very day. The Vet in Knoxville made the diagnoses of bone sarcoma after doing a biopsy. The vet also said that this seemed to be a very aggressive tumor in J-Beau's shoulder. The specialist also told us that amputation was J-Beau's best option for survival. We scheduled the earliest appointment possible for J-Beau's amputation. A few weeks later J-Beau started chemotherapy. Now in the mid
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Bulldog
  • AGE OF PET: 1 - 8

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10

out of 10

Taking care of a new pet.

My pet had parasites. Trupanion covered the cost of meds and multiple stool checks. He is now very healthy.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Maltese
  • AGE OF PET: Under a year

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10

out of 10

amazing. simply amazing service/coverage

Marketing information and websites are nice but ultimately I can only rate a company once there is meaningful interaction and with insurance that usually means a claim. My cocker spaniel had been insured for about a year. She had pre-existing cataracts so those were not covered. I decided to pay for the surgery to remove one from her right eye. It went well but several months later glaucoma developed as happens occasionally after cataract surgery. The glaucoma escalated so quickly that her optic nerve became damaged and her vision once again was very poor in that eye. So I decided to have the left eye catract removed and also do a preventative surgery to avoid any possibility of glaucoma in that eye in the future. I wanted her to have at least good sight in one eye. Because glaucoma is painful - I also had another surgery in the right eye to alleviate the glaucoma. The amount of money spent was astronomical -- $6000 not including medicines (on top of the previous cataract surgery a few months earlier). I made a claim requesting reimbursement for the expenses related to the glaucoma. I submitted very complex bills because of the multiple surgeries done simultaneously and asked that for a pro-rated share of the surgical and hospital costs for the glaucoma. I wasn't sure it would be covered at all since it was possibly the result of the cataract surgery (which was not covered). Well, it was covered! And my reimbursement was EXTREMELY generous in how they al
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cocker Spaniel
  • AGE OF PET: Over 8 years

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