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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.

10

out of 10

Worth every penny

Last Fall, my cat Maisie was hit by a car and suffered a severely dislocated hip. By the time a neighbor found her and got her to me, too much time had passed for the vet to be able to pop the hip back in, so she had to have an expensive surgery to repair it. Between the initial diagnostic visit to the vet and the surgery, I ended up spending $1900, which is more than I could afford. If I hadn't known that insurance would pay a good portion of that, I would have had to put her down. With insurance, I recieved $1082 of that back after my deductible and some adjustments (the orthopaedist's charges were several hundred dollars over the reasonable and customary amount). Maisie still has a limp, but she's running and jumping and back to her old self thanks to ASPCA Pet Insurance. The staff are always a pleasure to work with (unfortunately this isn't the first time I've had to make a claim for Maisie), and the processing and payments are timely. I have two other cats and they are all insured for catastrophic coverage. I also now pay a littlbe bit extra each month for continuing coverage across enrollment periods. This is well worth it. In 2009, Maisie broke her foot at the end of a period, and the follow-up charges weren't covered, because they fell in the new year. I tell everyone I know to insure their pets. There's nothing sadder than having to put a pet down, because you can't afford to pay for a seriou illness or injury. The coverage I've had for Maisie's t
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Mediumhair
  • AGE OF PET: 1 - 8

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1

out of 10

Don't waste your time with this insurance

I would not recommend this company to you unless you need the most basic coverage and then it is a toss up if the premium would save you any money or not. Their own rep said it was not generally worth it. That should have clued me in about them, now with 20/20 hindsight. My experience: I took out a policy on our older dog just because she is precious to us and she is slowing down... I wanted to be able to take care of her if anything happened... Their "paperwork" and claim forms are all on line and you need to download them and read the long list of exclusions with a vet... before you give them a dime. Their web site says "we cover straight 80%" of accicents and of all claims after the deductible. I thought short of cancer or something serious that would sound like accidents etc. and meds. would be generally covered. Long and short of it... My dog slipped on loose rug while running on hardwood floors and got a limp that wouldn't go away. I thought oh great! I got this insurance just in the nick of time.... I can get her checked....Well, 3 xrays later and expensive meds I got a bill for $500... from my vet with a diagnosis of a "torn cruciate ligament." No worries ... I have this insurance that covers accidents and meds and I will only have to pay 80% after my deductible.... EXCEPT ---AND YOU GUESSED IT.... I NEEDED TO READ THROUGH TO THE NUMBER 16 IN THE EXCLUSIONS!!! Guess what is NOT covered by this great insurance company... 'Torn cruciate ligaments! " or at least du
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

The plan worked just like I expected it would !! !

Recently our VERY busy and working 4 1/2 yr. old Australian Cattle Dog endured two deep laceration injuries on her left foot. Besides her having to wear the "cone of shame" for 5 weeks and stay indoors, my claims experience with EMBRACE was the bright spot of the entire situation.Upon submitting our claim forms and required vet reports, I recieved an acknowledgment from an Embrace rep (great Customer service)and subsequent settlement. All this happened over the the course of 8-10 days!!! Very impressive...I've had this insurance since our dog was 1 year old and this was our first claim, well worth the investment... Camarillo California
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Australian Cattle Dog
  • AGE OF PET: 1 - 8

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9

out of 10

Happy with Embrace

This is the first time we purchased pet insurance. Our veterinary office recommended VPI but after careful research and reading online reviews we chose Embrace mostly because they cover breed specific conditions and their clear reimbursement plan. So far everything has worked out as promised. Customer survice is professional, caring, and quick in their responses. I wish we would have signed up earlier.
  • INSURER: Embrace
  • POSTED: 05/09/2019
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: 1 - 8

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10

out of 10

I wish this was my insurance!

Both my dogs have Embrace coverage. Embrace had great reviews when they first signed on, and all have proved to be true. Diesel has been lucky enough to not have any serious physical problems, just allergies. But, Maverick has had a hip replacement and knee surgery. Embrace has been great in helping me understand the coverage they have and very easy to talk to. Embrace also has a very simple process for submitting, they request an itemized list from the vet or doctor, via email or fax. They send an email once the vet/doctor has submitted the breakdown, which helps with knowing the vet is on top of things too. Thank you for your help over these past few years!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Mix
  • AGE OF PET: 1 - 8

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9

out of 10

Has been easy and saved me money

My latest rescue has been sick off and on since I got him and having this insurance has saved me a great deal of money. It is easy to file the claims online (if you have a scanner) and the turn around time is very reasonable. I also review other options before buying and I believe I made the right choice.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Tabby
  • AGE OF PET: Under a year

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10

out of 10

Why didn't I sign up for this Insurance years ago?

Like many people today, my finances are extremely tight. I delayed in signing up for pet ins. because of the cost & rumors that I've heard about some ins. companies only covering 'certain' claims, etc. The bottom line is the monthly cost is not that expensive considering the peace of mind it gives me & I love my dog. And the rumor that SOME insurance companies give you a hard time about certain claims, is the reason why you have to do your homework! I did, and hands down Healthy Paws Insurance has the best reputation and coverage is great. The staff, in particular Terah & Jen have been outstanding and extremely helpful in walking through the process with me.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Mix
  • AGE OF PET: 1 - 8

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10

out of 10

Amazing!!!

I researched many different pet insurance companies before I decided on Trupanion. They are by far the best around an I havent been disaappointed yet. We have an English Bulldog and they are prone to have many different health issues, but Trupanion overs the best all around coverage by far. Claims are expedited fast and efficiently. One of the most amazing things to date was when we lost our last little bully they actually sent a condolence card that was HAND WRITTEN. It meant that we werent just another customer, that they truly do care. Thank You Trupanion!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: Under a year

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10

out of 10

Great Company

Overall my husband and I have been very happy with our coverage at Embrace. Our cat developed feline asthma four months after we purchased coverage. They have covered him without hesitation and we really appreciate it. If you are looking for insurance (and I recommend you get it) this is the place to come.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Mediumhair
  • AGE OF PET: 1 - 8

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10

out of 10

Wellness Exam and Vaccinations

We are totally happy with the fast and efficient service we have received. Submit claims by email; receive email the next day confirming receipt of the claim. Every time our claims (mostly wellness) have been processed and the check arrives quickly. Had other coverage before switching to Embrace and they were never this fast. Very nice people to deal with!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Beagle
  • AGE OF PET: 1 - 8

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