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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.

9

out of 10

More people should know about this pet insurance

I'm originally from the UK, where pet insurance happens to be very common. I asked around about pet insurance here a few years ago when I got my then kitten, Mila. I was told there wasn't any by so many people I nearly gave up until I saw a flyer for ASPCA insurance, and the rates looked good. Since then, it's saved my cat's life once (a nasty car accident that left him with a broken pelvis and a collapsed lung), and helped cure him from Lyme disease and a gastric problem. The claims forms are easy and the reply is prompt. I'd definitely recommend it, I think it's well worth it.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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2

out of 10

Terrible Pet Insurance

I have been with 24 Pet Watch for about 5 years now. Every time I have filed a claim (that was not for "routine care"), they would give me different excuses for why they had not processed the claim. Either they needed all my cat's past vet records, or they never received the clam, even though my vet confirmed they did send it. After a lot of work on my part and time wasted, they denied my claim even though my cat needed ultrasounds, xrays, etc. for chronic vomiting and stomach pain.I have not received 1 cent from them for anything. Additionally, their customer service is terrible. One has to wait on hold for a really long time and as I am writing this, I decided to do a Livechat instead. Not only is the representative not friendly but she doesn't really want to answer my questions and then disappeared and kept me waiting for over 10 minutes. I am changing policies and am on this website to choose another insurance.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 8 years

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10

out of 10

Too Good to be TRUE!

I purchased my new Pomapoo Bentley from a breeder I located through NextDayPets.com. There was an advertisement and I link for a 30 day FREE trial of Trupanion pet insurance on site for when I got my new puppy. I have had a number of dogs and cats - a number of which have had MAJOR illnesses - and I had always wanted to look into pet insurance. This seemed like the perfect chance! I signed up easily over the phone, and - what do you know - within my first week of ownership, Bentley started vomitting for a full day. I rushed him to an emergency clinic at midnight, and then he was transferred to my regular vet in the morning. Luckily, it turns out that he must have just eaten something that upset his tummy, but it took a number of tests & intreveneous fluids to get us to that answer. My vets willingly filled out the claims forms & faxed them to Trupanion for me.Within the span of a week, I had gotten a notice of receipt of claim, claim processing, and claim completion!! What a pleasant suprise!! Needless to say, I have signed up to continue my coverage after the FREE trail ends!! What a wonderful value and priceless peace of mind for my new baby boy!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pomeranian
  • AGE OF PET: Under a year

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10

out of 10

Quick Claim Processing - High Integrity

After insuring two cats with Trupanion the past two years, only this month have we had an occasion to file claims. So far, medical bills on my 14 year old cat have amounted to over $ 4,000 in the past two weeks. I've read horror stories about OTHER insurers using all types of tricky maneuvers to avoid paying legitimate claims. I was very pleased to receive notice yesterday that ALL my claims submitted to date with Trupanion have been authorized for payment without any fuss or argument. They kept to their word and allowed all medical expenses except for a "Consulting Fee" when the oncologist conferred with the surgeon and the intial exam (which is a listed policy exclusion). If the pending diagnosis turns out to be the FINAL diagnosis (one blood test is still pending) then then treatment for my sick cat may end up getting very expensive. When I initiated my policy two years ago, Trupanion placed a $ 20,000 lifetime limit on each policy. Even though there was a minor rate increase, I am very pleased that Trupanion policies now care NO LIFETIME LIMITS. They have removed the payout limit entirely. Thank you for that Trupanion!! I don't know if it's possible to fall in love with an insurance company, but after receiving the notice that Trupanion is keeping their word and will be paying the bulk of medical expenses to keep my pet alive, I am at the least "Starry Eyed" over Trupanion. I will now be relieved of the financial burden of paying for treati
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Longhair
  • AGE OF PET: Over 8 years

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8

out of 10

So glad I enrolled as to my vet's suggestion

I entered my claims and war reimbersed about 1/3rd of my out of pocket. Nice.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: Over 8 years

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10

out of 10

Excellent!

Very good customer service. They take the time to listen. I fax my claims and receive a response the next day through email saying that they received the claim and will send a reply within twenty four hours. I have direct deposit, and I feel this is the best way to go. My cat, Oreo, is 10 years old and recently diagnosed as a diabetic. You're the "Best".
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Shorthair
  • AGE OF PET: Over 8 years

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10

out of 10

Trupanion is the best!!

First of all I would like to thank Trupanion for allowing me to be able to take top quality care of my beloved Bob! Trupanion follows through with their promises and delivers fast results with perfect customer service.My vet works directly with Trupanion so it takes all the already stressful time off my shoulders and I don't have to worry about money because I know Trupanion is there. They keep the monthly premiums so affordable for anyone's budget so a person can be able to take care of their wonderful pets,thank-you for that! And thank-you as well to my amazing vet at Foothills Veterinary Clinic in Buckley, WA. Dr.Vetter,Kathy and all the caring staff for your willingness to work with Trupanion directly for me and Bob.I will never be without Trupanion!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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1

out of 10

HONESTY IS NOT THE POLICY

I have been researching and reading 100's of reviews from this site. There were many complaints about insufficient payments on claims for ASPCA, so I called with specific questions regarding payments based on avg. cost of treatments in my area. 1st call was of no help ASPCA customer service rep wouldn't clarify and did nothing but hedge. I spoke with a supervisor who wasn't able to be specific. To paraphrase: "I can only tell you what is on the list provided." She repeated policy coverage. When I requested specific answers to specific questions there were none. Theoretically, if my cat' s treatment were to cost $1200.00 and their avg. for this area happened to be $700, theoretically, I would be left with a bill of 500.00! Since ASPCA refused to give me answers and there are so many complaints, I will NOT be giving my money to them. Beware! Research THOROUGHLY!
  • INSURER: ASPCA
  • POSTED: 01/15/2021
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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10

out of 10

Puppy Insurance

We got Sarge our puppy Shepherd insurance the first visit to our Vets. Thank God we did, he got so sick all of a sudden and was hospitalized for two days and that cost was close to $1000. Trupanion was amazing they reimb. us exactly what they said they would and it only took one week. Much faster than my insurance plan with my work in reimbursing for medical expenses.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: Under a year

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10

out of 10

Satisfied customer

In the past 3 years since insuring our dogs with Embrace, we have submitted 2 claims. Both these claims were dealt with entirely to our satisfaction and I would sincerely recommend this insurance to other pet owners.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Australian Terrier
  • AGE OF PET: 1 - 8

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