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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

Healthy Paws is the Best Pet Insurance

We researched various companies for a long time and were reluctant to spend $$$ on pet insurance when most companies have all sorts of esoteric rules and spending caps and such. We skeptically enrolled - but Healthy Paws has delivered every single time we needed it so far. We only enrolled our Shepherd/Lab mix girl who is now 9 yrs old in January 2011. They have paid multiple claims for surgeries and biopsies that were totally unexpected very promptly and with an explanation of what is and isn't covered. The latest claim was over $3000 and it was paid! This isn't a gimmick, it really is great coverage. Their customer service is top notch and they let you know up front what is preexisting and what isn't (this is important esp in an older dog and important to find out) but anything not preexisting has been covered to the full extent that we elected (90% w/$250 deductible). I wish we had heard of Healthy Paws when our girl was a youngster! Thank you!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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10

out of 10

It really pays!

My 40 lb lab-mix Pepper has been under Embrace insurance ever since she was 4 months old. This past month showed me just how much it was worth it. Just a few days shy of her 3rd birthday, she had been attacked by a giant American bulldog and needed to get $886 worth of vet care after the x-rays, anesthesia, medication and stitches. When I sent the claim, I personally was not expecting more than half the amount (at best) for the reimbursement. Embrace sent me $745 back! I ended up paying only about $140 in total! Embrace has always been good to us in their wellness plan, but their care and service during this time has shown that us that they truly care for us during the bad times as well as the good. Count me in as a loyal client for life!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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2

out of 10

Don't trust them because of the ASPCA name

I enrolled in this insurance a few years ago. When my cat finally got sick, they denied most of the claim. They are NOT a part of the ASPCA and the only reason they are doing well at all is because they are using their affiliation with the ASPCA to build their reputation. They are not a great insurance, Im switching to Trupanion when my plan is up. I hope the ASPCA doesnt get a bad reputation because of them!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Maine Coon
  • AGE OF PET: 1 - 8

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7

out of 10

Matti and Sammie

I am very happy using ASCPA Pet Insurance. I truly believe it is for major not day to day costs. In past my Mandy had a ruptured spleen ,having insurance would have been much better than $3500 out of pocket. I am currently experiencing eye problems w my Matti and insurance is my easier.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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9

out of 10

BUY IT

After an initial bad experience with my first claim (confusion over the fact that I see several vets due to my rural location), we finally cleared things up and it has been smooth sailing ever since. It is SO easy to file a claim, and they are very quick to come to a decision and send a check. I've had very little issue with what they have decided to cover and what they have not. I have a holistic vet and so many of my expenses are supplements and not medicine - they won't cover that, and that is not surprising. I wish my own health insurance was this easy to deal with, and provided good coverage. Very good customer service which is hard to find these days.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Flat-coated Retriever
  • AGE OF PET: 1 - 8

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9

out of 10

New onset heart murmur

My 18 month old kitten began running a fever so I took her to my vet for a check up. My Vet hear a heart murmur that had not been there 2 weeks prior when Lucy had a check up and shots. She put Lucy on antibiotics for a week and had me bring her back in 5 days hoping Lucy was dehydrated and that was what was causing the murmur. We went back for the recheck and the murmur was still present so my Vet sent me to a specialty hospital to a cardiologist for further testing and she found Lucy has Aortic Stenosis. Needless to say I was devastated at the diagnosis but relieved to have Embrace and hoped everything would be covered. Now I have to say, I have had Embrace now for a little over two years and was debating on whether or not I would keep it. I adopted a kitten in the summer of 2009 and researched pet insurance, I have had pets all my life but had been told for the most part pet insurance is a waste of money. Embrace by far had the most positive reviews so I decided to try it. Within, I believe, 2 months of adopting my kitten she became ill and was hospitalized. A few months later she again became ill and was hospitalized. The total bill was around $1100.00. Although Embrace did give me a little bit of a hard time, my Vet had to call them, they did pay both claims after speaking with my Vet and I was extremely pleased. The only issue I had is they made me have an expensive test done on my kitten before they would keep her on the insurance. Last year neither of my
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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4

out of 10

confusing

put a claim in and after waiting a month received just over 50% of it back with no explanation why it was so low.tried to email but the website was down and now i cant be bothered following up
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Jack Russell Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

Big Plus + something for PB to think about

Personnel always very respectful and helpful on the phone- even when I expressed a disappointment and was not very happy at the time. I misunderstand one aspect of the policy. Person at PB could not have been more respectful and professional which I really appreciated. Claim was easy to submit and was processed in a very timely manner. Their policy is very forthright and one gets no run-arounds with this company. PB was highly recommended to me by another dog owner, and I woudl not hesitate to recomment PB to others. Clearly they take professionalism and respect for clients very seriously. PB was recommended to me and I would not hesitate to recommend PB to others.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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9

out of 10

Timely

I decided to get pet insurance on my dog when she turned 6 just to be on the safe side. The worst happened on a Sat. night and she needed life saving care from an emergency clinic. The insurance paid a good deal of the cost and I was grateful that I decided to get ASPCA insurance as the clim was settled in a timely manner and the folks I spoke with were very helpful. I have recommended it to all my friends.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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8

out of 10

review of claim/Embrace Pet Insurance

So far I fell comfortable with embrace Pet insurance, I would like however to see them prioneer into insurance coverage similar to human health care,more proventive coverage. Also GPA Chips that can locate your loss animal via cell phone instead of microchips, which rely on some one to takr the animal to a vet/hosp that is eqiuped to scan the animal. I'm sure cost can be cut by the sure numbers of peple served. K Neale
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Sheltie
  • AGE OF PET: 1 - 8

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