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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

After 8 Dobermans: Insurance

My wife and I have been the happy owners of nine Dobermans over the forty years we've been married. They've all been wonderful, "low maintenance" dogs, until our last two. The first is a handsome fellow who has been healthy. Then after 5 years, we adopted his sister. She'd been with us a month and we discovered she had cancer. Needless to say,between the surgery and the chemotherapy, we were set back quite a pretty figure.She's OK now and we consider the money well spent. The experience prompted us to obtain pet insurance for her brother, if for anything it would bring us some peace of mind. Fortunately, he has remained healthy, but developed several minor problems over the past half year. One involved a vitamin B12 deficiency which an internist found and treated successfully, the other problem was an pustular interdigital infection of his right front paw, also treated quickly and successfully. The veterinary bills from both instances were submitted, our deductible met and a portion of our bills reimbursed. This was done in short order and without any difficulty. It really didn't amount to much compared to the expenses put out for the female with cancer, but it reassured us to know that when and if the big fellow ever suffers anything like his sister, the ASPCA insurance will be there to ease our financial burden.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Doberman
  • AGE OF PET: 1 - 8

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10

out of 10

Unexpected payment!

Maggie the Dog stepped on a huge, long wasp. I took her to her to her vet to get the stinger removed and an antihistamine injection. I didn't know how much if any amount Embrace insurance would reimburse. It was a nice surprise to hear immediately that the claim was being looked into and someone would let me know the status. I received the reimbursement in less than 10 days. While it was a small amount, I appreciated the attention Embrace gave me in responding to the claim. This kind of quick response, keeping me in the loop as far as claim status as it moves along, and the caring expressed by the staff is what makes me recommend Embrace Pet Insurance to other pet owners. I had a bigger claim two years ago, and I was satisfied with the reimbursement, too. Additionally, what is special about Embrace is the caring and concern for their clients--certainly unlike any response I've experienced from insurance companies for humans!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Premium Increase

My premium has just increased from $50.82 to $75.04 (including HST). The email states: "With the cost of pet health care continuing to rise as veterinary medicine improves the quality, effectiveness and standard of care being offered for treatment, it is important for us to adjust our rates accordingly." It was under $50 when I signed up. This is the second increase, and my dog isn't even two yet!!! I am now looking for a new provider. On the good side, claims were always handled very quickly.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Standard Poodle
  • AGE OF PET: 1 - 8

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10

out of 10

More coverage than anyone else out there!

This is my first go round with pet insurance, and I got into it a little late in the game (after my dog was already having some health issues). Embrace was the ONLY pet insurance company I could find that would even consider covering a pre-existing condition if it was considered curable. I find that when I submit claims, they are processed within about 2 weeks, and I find that instead of finding reasons not to cover my claims, they try to find ways to maximize my claims! I'll give a quick, great example: They give a 5% discount on premiums if your pet is microchipped. So, after I got the coverage, I had my dog microchipped. Not only was the claim for the procedure covered under my wellness rewards in the policy, but when I submitted the claim, I was automatically refunded the 5% of my premium for having the dog microchipped! I didn't have to ask for it! The customer service is excellent - they are thorough, quick and kind in their email correspondence, and very responsive and proactive in helping me get the most out of my benefits. I would recommed Embrace to anyone who wants comprehensive health coverage for their pets. I did a LOT of research before I bought, and Embrace seems to be the best out there!
  • INSURER: Embrace
  • POSTED: 01/25/2018
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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9

out of 10

Great Coverage, Decent reimbursement Time

I’ve had Embrace Pet Insurance for just over a year. I have 2 of my pets insured, about to insure a 3rd. Over all, the company is great! They have awesome customer service, have never had an issue with coverage, and although pricier than others, I find it to cover more than other companies. Their wellness coverage is great, especially the new $400 plan… perfect plan to be able to get annual vaccines and exam, flea and tick prevention for the year, and heartworm prevention for the year… and still have money left over! If you don’t care about wellness coverage, there are other companies you can check out (like Trupanion) that are a little less costly but also have good coverage… But if you want all around coverage, Embrace is your place. I have submitted several claims- both wellness and illness claims… Usually, wellness claim reimbursements are quick (although this last submission took a week). Illness claims always take a little longer, but it has never taken more than 2 weeks to get my money back. I like knowing that Embrace is there to back me up when my babies get sick. It’s a horrible feeling not having the money to be able to pay for treatment, diagnoses, or procedures to properly take care of my “kids” and I never have to worry about that while having Embrace Pet Insurance… My pets get better healthcare than I do!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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9

out of 10

So far so good

Last year I switched from VPI to Embrace. So far I haven't had any major medical issues with my dog. But, since starting with them, Embrace has been extremely pleasant to work with and reimbursements have been timely and accurate. So far so good!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Buying EmbracePet Insurance is the best idea

This is the 3rd time I've had a claim...each one was handled quickly, professionally,and with personal interest. My check was sent to me within 10 days. If I've called for help or some information, I spoke with an Embrace representative immediately and he/she was courteous and helpful. I wish my own health coverage provider was as helpful as Embrace...they can take lessons from Rambo's insurance company!!! This is money well spent, believe me!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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8

out of 10

Good reimbursements

I am in the health insurance business - but on the people side. When choosing a pet insurance, I did NOT want a scheduled plan such as VPI has. This type of plan pays a VERY small amount on what is typically a MUCH higher claim amount. The type of plan you want is the type of plan that Embrace offers - deductible and coinsurance based on the BILLED amount. My bluetick coonhound Georgie who is only 3 years old, was just diagnosed with a rare immune disorder (less then 2% of all dogs have it). I took her to Medvet which is a specialty hospital and the bill to diagnose her was almost $1300 with a follow-up visit of another $266. This didn't include the almost $500 I had already spent at my regular vet's office a couple of weeks before. I chose a $500 deductible plan with Embrace with reimbursement at 90% with the highest yearly maximum that they have ($10,000). I was reimbursed exactly as I should have been by Embrace. I did have to pay the deductible twice because my plan year runs 8/26 to 8/26 and my visit to Medvet occurred on guess what date - 8/26!! So be aware that you deductible is NOT a calendar year deductible (January to December) but a plan year deductible (when you actually take out the plan which in my case was 8/26 to 8/25 of the following year). The first claim did take about 4 weeks to process but the follow up claim was only a couple of weeks. Overall, I am very happy with the reimbursement. One thing to watch for though is continuing care
  • INSURER: Embrace
  • POSTED: 01/27/2018
  • BY:
  • BREED: Bluetick Coonhound
  • AGE OF PET: 1 - 8

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10

out of 10

The best pet insurance there is!

I have been with this pet insurance for 6 years. The fees are very reasonable and I have two Schnauzers so that is important. Also they process the claim within 2 days of receiving and the cheque arrives within 2-3 days. They encourage you to take your pet to the vet when they are sick and to keep your pet healthy. The best pet insurance there is...for sure.Patricia Hohs, Stittsville, Ont. Canada
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Schnauzer
  • AGE OF PET: 1 - 8

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10

out of 10

THE BEST!

My basset hound was diagnosed with canine cystinuria, which is very rare, at the age of one. This is a genetic disease, which many insurance companies would not cover. Fortunately, we insured him through Trupanion. We have 90% coverage, and are fortunate to have had over $5000 in vet bills paid for by Trupanion. Just 3 months ago, at age 2.5, he blocked with cystine stones and needed emergent care and surgery. He was in the hospital for 4 days. I have since switched my older basset girl to Trupanion insurance. We are really relieved to know that Trupanion will take care of our two bassets when they need veterinary care.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Basset Hound
  • AGE OF PET: 1 - 8

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