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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

As promised... though not quite as expected

My dog has a recurring ear infection for which we've repeatedly seen a vet. I knew that medications weren't covered by my particular policy, but I did not realize that that includes not only prescriptions but all shots and drugs given at the vet's office. Basically, the only things reimbursed are the actual visits and procedures. Other than that, service is excellent: I get emails to acknowledge receipt of my claims, and reimbursements are given quickly and without a fuss.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dachshund
  • AGE OF PET: 1 - 8

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9

out of 10

Trupanion has been a "true financial companion"

In November, we rescued our first puppy, Katie. She is a beautiful beagle-mix, so sweet, and healthy (so we thought.) I am NOT a fan of insurance, but ourvet recommended Trupanion and they were offering a 30-day free trial, so we signed up. Just at the end of the trial period, Katie developed cherry eye, and we continued with the insurance to see how it would work. It has been four months now, and Trupanion has been a "true financial companion" for us. Within a few days of submitting a claim, we receive an email letting us know they received it, then an email that it's been approved, and then a check in the mail a week later. We (unfortunately) have had several claims in the last 3 months, and Trupanion has been efficient and responsive. Having a sick puppy is stressful enough. Knowing that 90% of the health bills are being covered helps alleviate some of that stress. THANK YOU!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Beagle
  • AGE OF PET: Under a year

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10

out of 10

Great benefit plans, even better customer service

We had previously been using Pets Best for our cat 3-year-old Evie. I chose it based on price and the fairly good reviews it received on here. They seemed better than what I had heard about with the big name ones, like VPI, but Pets Best's deductible structure sucked. It was a per-incident deductible (like car insurance), so the reimbursement was rarely worth it (unless you jacked up your premium to lower your deductible). Ex: We had a biopsy done that cost $600. After the deductible and 20% copay, I got back roughly $300, which was a little less than what I paid annually in premiums. If it were an annual deductible, I wouldn't mind eating that because I'd be set for the rest of the year. But I felt like I was pouring money into a hole and was intent on finding a pet insurance plan with an 80/20 reimbursement, annual deductible and decent customer service. I thought there couldn't possibly be a provider that met these requirements (they're all in this to make money and this is a bit of a boutique industry, right? why would they structure it actually pay out generously on claims??) until I read the reviews on here and looked more into Embrace. It's all true - they're awesome. The annual deductible makes a big, big difference. I just met mine after a blood test and exam, so it's a huge relief to know that if anything else comes up that requires a trip to the vet (or the ER), I've paid my fair share into the system and will be compensated appropriately. No starting over from
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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9

out of 10

Just in time!

Ever since I'd heard about pet insurance plans many years ago, I'd thought about getting it for my dogs, but in those early days the plans & service didn't seem "worth it." Last year, having 2 senior dogs & 3 younger dogs, I finally decided it was action time. Barely 2 months after my policies became effective, I was taking one of my dogs to our regular vet for stitching up a mystery laceration on her leg (they alo put in a drain to help the healing). A few months after that, a different dog was rushed to emergency late at night for stitches for a large laceration that went right behind & underneath the right eye (just missing the eyeball). The ER Vet added a drain to help heal the cheek area where the epidermis had somehow become separated from the supporting tissues. Then just 3 days after that, I was back in the pet ER at midnight with yet another dog who had eaten a pound of rat poison! During the treatment period for the poisoning, my dog was seen by 3 different Vet Clinics (the ER, the regular Vet & a specialist) - ASPCA Pet Insurance covered all the claims with no extra questions nor any problems! Needless to say, I incurred a large amount of emergency vet bills in under 6 months. Having the ASPCA Pet Insurance was such a big help! Submitting claims is very quick and easy and I have no complaints about the customer service. I love being kept up-to-date with where they are in the processing of my claim & then beong able to view it all online. I'd prefer not to have
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siberian Husky
  • AGE OF PET: 1 - 8

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10

out of 10

Embrace follows through

I am the most skeptical of people, but EMBRACE did what they said they would do in a courteous and polite way.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Embrace

I cannot thank you enough for the quick response to my claim as well as getting reimbursed!!!! You company is great and we are very luck that we have Embrace for our insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Newfoundland
  • AGE OF PET: 1 - 8

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10

out of 10

Great!

Helpful, efficient and compassionate when my do was ill.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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10

out of 10

Wonderful service

Quick service, and always polite. Submit regularly for our dog's Heart guard and Frontline protections. Always reimbursed very quickly. Fantastic!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

I absolutely Love Embrace Insurance !!

I have three dogs under Embrace and the turn around time on claims are great. The staff is caring and calls or contacts you if there are any questions which is great. Mala, Zsa-Zsa,and Mazsa give Embrace 5 Paws Up :-).
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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1

out of 10

Do not waste money on ASPCA insurance

took one and a half months to find out that the coverage is not what they advertised and what I believed I am paying for, nothing was covered in the claim. (I have level 3 and $100 deductible, so only expected a small amount back anyway) Have now read other reviews on another site (easy to find, Google aspca pet insurance) and find that many people have the same or worse problems with non-coverage of their claim. I am cancelling with this company as I don't want to have them tell me my vet is too expensive, when they are actually reasonable for my area. I would rather put the over $500 a year into an account and pay it myself.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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