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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

More negatives than positives

I am finding it harder to recommend Petsecure to my friends more than ever before. While I have had the positives, like dental injuries being covered and in a timely fashion, I feel that I have been plagued with red tape and have had to fight too much to make this policy worth it. This summer I purchased an adult dog who I believed was healthy. She was intact as she was selected for breeding purposes. She had been to a vet before I purchased her and all was fine. I brought her to my vet and signed up for the vetstart quick as it only has a 48 hour waiting period for illness or injury and I knew what plan I wanted. The vet that examined her that said said she had a false pregnancy and that her hocks hyperextended...fine, I understood that would be included,even though hocks hyperextending is a very common finding in dogs. A week later I had her hips and elbows xrayed for breeding clearances, only to find she had hip dysplasia. When talking to an insurance represenative this past fall I had mentioned that she had been spayed and they said they would review the exclusions as reproductive issues won't be a problem now that she had been spayed. I have since gotten a letter stating that her hips will not be included, even though it was discovered after her waiting period and she is not clinical. She was even taken to a board certified specialist who wasn't concerned about them at all as her muscling is good and she's not lame. I am very upset by this as I would have wait
  • INSURER: Petsecure
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

So glad I switched to Trupanion

I switched insurer's due to lack of coverage from my previous insurer. Not only have I gotten TOP NOTCH coverage - the service is unbelievable. Never before did I get an email asking me if my girl was feeling better.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

An honest and reliable company

Every time I submit a claim it is handled timely and fairly. After denying a claim for a major surgery the company performed an extensive review and reversed their original decision in our favor. The employees are knowledgeable and courteous. I am most impressed with this company
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bullmastiff
  • AGE OF PET: 1 - 8

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2

out of 10

READ YOUR DETAILS!!!!!

I have had insurance since my puppy was 8 months old. She is now 4 1/2 and has been diagnosed with lymphoma. Her inital aspirations of her glands cost $151..the insurance co only considered this test to be $58 and therefore only reimbursed me 80% of that amount. Now she is undergoing chemotherapy and she only has a $1500 limit. She policy expires in May of 2012 and then becomes a pre exsisting condition and will not be covered. The insurance co now has a new plan offering continuing coverage, but of course they never told me and now it's too late. My husband and I have been researching pet insurance for any future puppy, and through this same co..they do have a better plan but even on their continuing coverage (cancer, heart etc) they will only reimburse 80% (even if you chose a higher amount) and they put a cap for lifetime limit of $6K. My dog has gone through 4 of her 12 treatments and I'm well into $3k right now due to tests, hospitalizations etc... if you have a dog that is going to have a life long problem...how can they cap you on that. I really liked my insurance, but now going to have to look elsewhere
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rottweiler
  • AGE OF PET: 1 - 8

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10

out of 10

An extremely satisfied TruPanion customer!

Our mixed breed dog Dakota, was diagnosed with hip dysplasia and required a bi-lateral hip replacement. Shortly after replacing the left hip, he experienced a setback and cracked the bone in which the implant was inserted. The implant had to be replaced during a second surgery and the bone was reinforced with screws and a plate. TruPanion guided us through the process, assured us of the coverage, and covered the expenses without question. Trupanion allowed us to do what was right for Dakota without worrying about the financial impact. Fantastic peace of mind, great people, and a great company.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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9

out of 10

Great customer service

We have had Embrace pet insurance for our puppy Bernese Mtn Dog for about 10 months now and they have been great! They are really fast at turning claims around and always confirm when they have received or paid a claim. They have very personal and prompt customer service. They offer coverage for genetic issues that a lot of other companies barely pay anything for. I hopefully will never need to use that coverage but its nice to know its there if anything ever arises. I would highly recommend them to anyone considering insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: Under a year

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9

out of 10

Very pleased with Pets Best Insurance

We have insured our three cats for several years, and only recently did we need to use the insurance when our 13-year-old cat became very ill. She had undiagnosed vomiting and lethargy, and the most frightening part was that she stopped eating. Pets Best reimbursed us for her diagnostic tests and her treatments, including a large bill for dental work, including the extraction of a tooth. We did not purchase the wellness coverage, but since the dental was related to her ultimate diagnosis--stomatitis, a very painful inflammation of the gums (the gums are essentially destroying the tooth)--Pets Best covered the entire cost minus the co-pay. I'm happy to say that Audrey is back to normal. Having Pets Best let us focus on getting her diagnosed and getting her well. The online claims submission process is efficient and easy, and the turnaround time for getting claims processed has been excellent thus far.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 8 years

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10

out of 10

Easy, Efficient, EXCELLENT!

I have my 2 Papillons insured with Trupanion. I tell every single person I know about this insurance. I would never have a pet without insuring it with Trupanion. The people there are so easy to work with, the company is efficient and as an animal lover, having this insurance takes the pressure of the high cost of veterinary care off my mind while I am busy caring for a sick pet. One of my dogs had serious eye surgery, hospitalization and medication which cost thousands of dollars, my claim was handled very quickly. I never had to call follow up on submitted claims -- they just take care of everything. The BEST!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Papillon
  • AGE OF PET: Over 8 years

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10

out of 10

We're very satisfied!

Milo jumped out of our daughter's arms and fractured his left hind leg. The vet had to put a pin in the bone and the bill would have been 1700.00. We were very happy and willing to pay the $250 deductible and only 170.00 of the bill!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rat Terrier
  • AGE OF PET: Under a year

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10

out of 10

a customizable plan

When I decided to purchase health insurance for my two pugs I researched most of the plans that were available. Embrace offered the most flexibility in terms of customizing the plan. I was able to choose dental prescription benefits, the co-payment, deductible, and the yearly maximum that seemed best for our needs. Most insurance plans seemed to top out at a much lower yearly limit, $5,000- $7,000 as opposed to $10,000/yr. offered by Embrace. Also, there is no sub-limit for continuing care. This has become a very important feature since my 8 yr. old pug was diagnosed with cancer. She has a serious mast cell tumor on her muzzle which required tricky surgery to remove. She will also require radiation and follow-up monitoring. Her prognosis looks good because with insurance I can afford the best possible treatment for her. The re-imbursements are made in a timely manner, which is important because all Vet bills have to be payed when services are rendered. I don't need to delay treatment because I'm waiting for an insurance payment to help pay for the next round of Vet bills.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

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