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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

A plan that did exactly what it said

I would recommend ASPCA pet insurance to anyone. It covers exactly what it states (80% after meeting the an annual deductible of $100), and reimbursement is prompt. As a pet owner, you have a responsibility to provide for your companion animal. Many people forgo medical treatment or even regular checkups because of fear of the high costs. With pet insurance, you are covered for most of the cost and it allows you to prolong the life and overall health of your friend. In my case, my dog had cancer (hemangiosarcoma). This was one of the most terrible times in my life; but would have been much, much worse if I wasn't able to give him a chance with surgery because of monetary reasons. Having insurance allowed me to give him the shot he deserved and not be left with tons of medical bills. In the end, the cancer was too much for him to overcome, but at least we tried and for that reason I am not left with any regrets that I would have had if I simply put him down just because the prognosis was extremely poor.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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2

out of 10

an inaccurate description of the excellent coverag

Left VPI because although they were up front about their coverage, the vet I go to is very expensive and their fees were not enough. The salesman for Pets best SOLD me on the insurance with his explaination of the way the benefits work. I told him why I was switching and he made Pets Best sound UNBELIEVABLE. I came to find out that he was right, they were unbelievable. Mia, my 1 1/2 yr old shi tzu had a gastric stomach...(just like a human would have) when I had VPI. I explained to the salesman that VPI did not pay enough and as I said before, my vet is very expensive so I was seeking insurance that would meet my needs if ever I had another problem. As I said, he sold me, he even said that that was not pre-existing. Cancer yes, but a gassy stomach no. That would be like saying if MIA had a cold under VPI and got another under Pets Best, it would be considered pre-existing. Anyway, PB said when Mia had her gassy stomach again that it was pre existing. I told them, and my vet told them in writing the anology about the cold and they still would not pay. I told them what the salesman said and that the only reason I switched was so that I wouldn't have to worry about the extreme costs anymore. Before having this problem, I got another puppy, a male Shi tzu. I got the insurance for him thinking that I was saving myself alot of money in the long run. Another $7 hundred and something a year. I had ia in again about 2 months ago and for a bill of almost $300.00, I re
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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10

out of 10

If you read the policy you will get what you pay f

It really irks me to read some comments about premium costs and that the insurance dosn't pay for exam fees, teeth cleaning, shots...Did these people not read the policy. Trupanion's policy is so simply and very easy to understand. If you are looking for that type of coverage there are plans out there that cover teeth cleaning and shots and exam fees. Don't bash because you didn't read the policy. My kitty had cancer and Trupanion paid 90% of her cost with no deductible. They paid over $15,000. So what if I had to pay a couple of $50 exam fees. Big deal. Trupanion paid a whopping about and I have my kitty today because I was able to get her the best state of the art treatment due to the fact I had Trupanion paying 90%. I submitted a claim every week for over 12 weeks, never was one lost or messed up. This is a great insurance. I am so thankful to have had it. It really bothers me when people leave negative reviews because they didn't do their homework. Trupanion does exactly what they say they will do!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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9

out of 10

Didn't think I would need it, great decision.

I bought this for Annie, my Shelter rescue Stafford after seeing some friends with some hefty Vet. bills. She was always very healthy with only annual visits. Six or so months after purchasing she starts collapsing for no reason which turned out to be a neck nerve issue. Two months later I find a tumor on her chest. Two surgeries later and in the second month of chemo therapy shes doing well, and I sure as heck am glad I can recoup some of the bills. Submission is easy via fax, email, mail and you can track your claims online. Payments are usually made within a few weeks of submission. Overall as pet insurance goes, this is a solid plan. Make sure you get the continuing care so you are covered from the previous year injuries.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Staffordshire Terrier
  • AGE OF PET: Over 8 years

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9

out of 10

All positive

So far I haven't had a big claim and I hope never to have one. My injury claims have been for wellness and small things like ear infections and a sore back. Every one has been handled promptly with awesome customer service. Everyone is incredibly professional and friendly. I've had Embrace for two years for both dogs.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Cocker Spaniel
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent Reimbursement

Mercesdes, our 10 week old great pyrenee puppy, recently got ahold of a fallen glass Christmas tree bulb and upon breaking it in her mouth swallowed the majority of the ornament. We'd gotten Trupanion for added protection, we thought we wouldn't need. All dogs can have unexpected health problems that cost a great deal of emergency vet. care, and Mercedes needed this immediately. The specialists had to do surgery on her, and there was no way we could have afforded it, but Mercedes insurance company promised to pay over 90 percent. Well, we just received notice within a month, that over $3000. worth has been covered. We are elated and very grateful. Thank You, Trupanion!!!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Great Pyrenees
  • AGE OF PET: Under a year

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9

out of 10

So Far, Delivering as Promised

We've been pet owners for 4 months with a 6 mth old Chihuahua named Harlie. Because of the disparity of price structures and reimbursement schedules between insurance companies, our search for the best insurance coverage actually began by first realizing finding a Vet with a good reputation with reasonable fees was the first step. We found that spaying in our geographical area ranged from $170 to over $400+ for Harlie--quite a spread for the same procedure. By finding a Vet with reasonable rates we assured ourselves of getting the best reimbursements from any insurance plan we selected. We decided not to go with a company with a benefits schedule such as the VPI plan which has several pages of very confusing medical codes and procedures broken down into 2 columns that I couldn't figure out even after speaking with their rep. Then there's the long list of exclusion medical codes that I'm sure seem small, until you find your pet falls into one of those areas when it comes time to file a claim! Embrace seems to have a well balanced plan that will cover the high cost of an emergency treatment, while also providing great Wellness coverage benefits--better than any other plan we looked at. Embrace also allows you to tailor your deductible and co-pay to further reduce your premium should that be an issue for you. So far, the claim process has been very simple and reimbursement times have been reasonable (within 2 weeks). The staff sends status emails every step of the way o
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: Under a year

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1

out of 10

Rip Off ASPCA

I bought the insurance and a year later my dog had to have an ACL which is common on small dogs. Since 2 years previous tot he insurance he had it on the opposite side, ASPCA concluded it was a preexisting condition. ASPCA never mentioned in their advertising or comments that such a thing could occur other than 6 months. It cost me over $2000 and when I complained, ASPCA would not even respond. ASPCA are a bunch of groups conning people who own pets with no real caring. Use another insurance company. DON'T GET RIPPED OFF.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cairn Terrier
  • AGE OF PET: 1 - 8

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9

out of 10

Must Have!

My dog has had health issues since the 2nd month I had him. I got health coverage for him after his first incident and have had more medical situations with him than I can count and Pet's Health has covered them all. I recommend pet insurance to all my friends and family!!!!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Glad I found Embrace!

I am 62 yrs. old and have had dogs ALL MY LIFE and as we all know they are VERY EXPENSIVE. I decided to finally get pet insurance on my current dog Jack several years ago and I chose Embrace. They have surely been a blessing. Thank you Embrace for your EXCELLENT service!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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