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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

Important to have

I have been in the position where I could not afford to provide the health care needed for a pet. I don't like to be in that position. Health insurance for my pets are as important to me as health insurance for myself. The ASCPA plan I have had for two years provides this coverage for my pet. I don't always need the coverage, but I feel good knowing it's there if I do need it.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Irish Setter
  • AGE OF PET: 1 - 8

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10

out of 10

outstanding!

very easy to do. vet signs form, you fax form and receipts, they send cheque. it is that easy.
  • INSURER: PetFirst
  • POSTED: 05/09/2019
  • BY:
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: 1 - 8

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10

out of 10

Great experience

I've had my Embrace insurance for five years and never needed it until this past month when my dog was attacked by another dog. I am so thankful I had it! The entire Embrace staff was really great to work with. True professionals.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Brittany
  • AGE OF PET: 1 - 8

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5

out of 10

50/50 or so-so

I've had pet insurance for several cats, this company is about 50/50 as far as what is covered (first cat had diabetes, and the insurance covered some but certainly not all of the medication/vet trips). I'm now taking another cat in for lymphoma and chemo treatments, and am still waiting for my first reimbursement...it's been almost a month. I fully expect to receive less than I expect and to place several calls to Pet Watch for the rest of my reimbursement. I've done some research and it looks like PetPlan is a FAR BETTER pet insurance company, but since my cat is 13 it doesn't make sense to switch him now (plus there is a pre-existing condition clause that would eliminate coverage for the lymphoma.)
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siamese
  • AGE OF PET: Over 8 years

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10

out of 10

There when we needed them!

We have had our pets covered by Embrace for several years now. We have had a couple of smaller claims a few years ago, and we were very pleased with the coverage and the quick turn-around on the claims payment. However, the real test for us was recently when our Westie needed surgery to repair a torn ACL and dislocated kneecap. We sent our itemized bills for the pre-surgery blood work, the pain meds, and x-rays, and then another bill for the surgery itself.....within two weeks we had our claims paid as outlined in the policy, no questions asked. Thank you, Embrace, for the customer-friendly service and responsiveness!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: West Highland White Terrier
  • AGE OF PET: Over 8 years

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10

out of 10

We love Embrace!

Our Portuguese Water Dog is almost 2 and has had Giardia 5 times. She's also gotten a foxtail in her paw and was attacked by a cat (of all things!), which resulted in a couple of expensive visits to the emergency vet. We're thrilled that we have Embrace coverage. The customer service is friendly and excellent. They always send an email to give us an estimate of when we'll hear from them on the claim and we always know what has been reimbursed. We don't have drug coverage, but beyond that, everything has been reimbursed at the 90% rate we chose. We couldn't be happier with our choice of Embrace for pet insurance!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Portuguese Water Dog
  • AGE OF PET: 1 - 8

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10

out of 10

Bulldog insurance

our experience was fast and efficient
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: 1 - 8

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9

out of 10

Satisfied!

Have had Embrace for just 6 months for our Puppy Golden Retriever. We have a high deductible just to protect us from the big stuff....but had an emergency room visit for torn pads on the front paws.......claim went well, kept me informed on a regular basis via email, and easy draw down of our deductible. First claim seemed to go just fine after getting all the paperwork sent in!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: Under a year

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10

out of 10

Double Pneumonia at Christmas

My 9 month old English Bulldog came down with double pneumonia just days before Christmas. He spent 3 days at the vet as he was really struggling to get those lungs cleared. Thankfully I didn't have to worry about the bill since I have insurance for him. Embrace covered I received 1600 from his 2200. bill (this was my 80% after the 200. deductible). There was no hesitation from Embrace on paying this out...no questions asked. I have another bulldog that I have covered (regretfully) under another insurance company. I wish I knew about Embrace when I signed her up. Embrace has been a much better company to work with and they don't disqualify issues based on breed.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: Under a year

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10

out of 10

Fast Payment/Response Time

I have been with this company since I got my dog as a puppy and he just turned 10. They are very good at paying for what they cover and are quick at handling claims and also very nice and professional. The only thing I didn't like was a year or two ago, after a claim, they almost doubled my monthly rate saying it was based on the average costs of basset hounds in my area. I interpreted this to mean my basset hound, since it was right after a claim - and that didn't seem right after 7 plus years of paying into the program. I would have given them a 10 if not for this.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Basset Hound
  • AGE OF PET: Over 8 years

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