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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

Quick reimbursement

They are quick to send a reimbursement check. Takes about a week, on average. I have also used the online chat with Trupanion, and they are both helpful and friendly.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Airedale Terrier
  • AGE OF PET: Under a year

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10

out of 10

I tested. ASPCA passed.

I have four pets - i decided to insure one as a test of the insurance program itself. The insurance terms were clear; i thought if i ever needed to file for it, i would know whether the plan was worth the investment as compared to just paying vet bills if/when they arose. turned out the pet i insured needed a lot of tests. ASPCA paid just as the contract said, and they paid quickly, over $500. I immediately enrolled the other three. it is worth it to me to know that i need never delay or dread a vet visit. i'm totally convinced of the value.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Maine Coon
  • AGE OF PET: Over 8 years

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10

out of 10

Worth having

My Shih Tzu came down with a stomach bug a few months ago. With my pet health insurance, it's comforting to know that I don't have to worry about my finances when I'm busy worrying about my best friend. My vet recommended the ASPCA Insurance and so far things have been great. My claim was processed quickly and I even received a follow-up call asking how my pet was doing. Overall, it's been a very positive experience.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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6

out of 10

Pros and Cons

We live in the Washington DC area where pet care is quite expensive. As such, most of the charges are above the allowable amounts allowed by ASPCA. Our reimbusement is usually around 50% of the claim. We have a dog with glaucoma and recently she suffered from keratitis and needed surgery. Our ophthalmologist strongly stated that the two conditions are unrelated. I have submitted claims which have not yet been processed, so I don't know what the result will be. We bought insurance when our dog was approximately 12 years old and have not used it much. Only two claims have been processed in two years. I feel some comfort in having pet insurance, but until recently have not needed to use it. It is difficult for me to rate ASPCA since my experience has been limited. I actually am glad that it has been limited. One thing I have been disappointed in is the processing time. Telephone assistance is always very good.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Jack Russell Terrier
  • AGE OF PET: Over 8 years

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10

out of 10

Pet insurance I thought I never needed...

As a lifelong pet owner I had never purchased pet health insurance. I recently purchased a puppy. During her free well puppy exam on her 3rd day in our home she received a clean bill of health. At that visit we were introduced to a free 30 day trial of Trupanion. A week later, being nosey, as all puppies are, she ingested something that could have causaed her great harm or death. We immedialtely rushed her to our new vet (Hometown Animal Hospital), where she recieved exeptional care. The vet's office assisted in filing the claim. Within 2 weeks the claim was reviewed and paid. Although I was skeptical in the beginning, I'm totally conviced. I reviewed other policies with different companies and Trupanion was by far the most comprehensive. I'm a believer.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Maltese
  • AGE OF PET: Under a year

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2

out of 10

Poor

They seem to find a way to deny any claim over $300. They have even paid my cats claims for the exact same illness as my dog but since my dogs bill was over $500 they have found a way to deny the claim, this is the exact same diagnosis and not the first time.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pomeranian
  • AGE OF PET: 1 - 8

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1

out of 10

Disappointment

thought insurance would cover more... have had insurance for more than 2 years and this is first claim.. i have to appeal because i believe more should have been covered Had vet bill of over $880 none was reimbursed... RJKISS
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Corn cobs and Berners don't mix!

Murfy, my 27 month Berner ingested three 1" chunks of corn cob and they had to be surgically removed. He was hospitalized for two days and the final bill came to slightly more than $4000. of which Trupanion covered $3022. (We have $500 deductible.) The vet preauthorized the claim so we were not forced to pay the total amount upfront and then wait for reimbursement. The initial exam and diagnosis took place September 11 and the cheque was in the mail to the vet by Sept 16. In my opinion this was exceptional service and gave me great peace of mind to know Murfy was taken care of no matter what the treatment and cost was not an issue.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: 1 - 8

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10

out of 10

My first experience has been great

I joined Healthy Paws about a year ago, based on reviews from this site. We have a 1 1/2 year old mini-Dachshund. He had to go to the vet 3 times over the past several months for different problems. All were resolved, and he's healthy. I processed all three claims at the same time -- my first time submitting a claim. I found the process very good, and their claim response very prompt. Being the first submission, it took some time to gather all the paperwork of my dog's medical history. Fortunately, there were no preexisting conditions on my claim. I've read to many horror stories. Healthy Paws reimbursed me withing a couple of weeks, and at the amount I expected. I couldn't ask for anything else at this point. I may change my tune later if they hike up my rates significantly, but so far so good. I would recommend them for sure.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dachshund
  • AGE OF PET: 1 - 8

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9

out of 10

I would recommend Embrace

This is the second claim we have had to make this year for Fenway - who had 10 kidney stones!!! Embrace was great about communicating where we were in the process; they let me know about delays and that they didn't forget us. They also have direct deposit which made the process much easier as well. What I really liked was after our first claim - someone emailed me a week later to check on Fenway and see how he was feeling!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pomeranian
  • AGE OF PET: Over 8 years

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