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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

Great for pets of all ages

I have been with the ASPCA pet insurance plan for less than a year, but it has been helpful already. I have a wonderful cat, Chaos, who has a cancer known as “Squamous Cell Carcinoma. Very few, if any cats survive this type of cancer. Chaos was given very little change for survival; however, he has amazed all of his doctors and is expected to live longer than they expected. I am on a retirement income and having ASPCA Pet Insurance has allowed me to provide Chaos with emergency care and his regular doctor’s visits while giving me some comfort from a financial stand point. Emergency hospital visits for animals are very expensive and the fact that I had pet insurance helped ease my worries. I highly recommend Pet Insurance especially when both you and your animals are seniors.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Great Customer Service

We got insurance for our puppy after she swollowed an earring and had to get emergency surgery. And thank goodness we did cuz we had to get her into surgery again for a genetic liver shunt and when i sent in the claim, customer service kept me updated and even when i missed some paperwork they did the calling for you. So far i am very happy that i chose to go with embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Better than all the rest - but read your policy!

The continual communication is fantastic. They are top of the line in keeping in touch once a claim has been initiated. I didn't read closely enough and didn't get as much out of my first clainm as I could have - not their fault! it was all there; I justmissed it. That's why I noted in the One-line Summary to read your policy. There are two different parts they pay on: Wellness and Illness. One you need to get a physical within the 14 day waiting period; one you just need vet records. I didn't "get" that. So, when I needed coverage for a claim that was covered for both situations, I qualified for one but not the other. Embrace was wonderful, though, as any other pet insurance company would have just used it as a way to get out of paying anything on the claim. They contacted me, told me what had happened and why they couldn't cover one part but also that they were going to split the claims apart so I could get reimbursed for the part I did qualify to receive a benefit. That was amazing! I faxed the information they needed to complete the process and received my check, even with all the confusion of coverage, in three weeks from my vet visit. They really are better than all the rest.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Transparent & Uncomplicated

Having recently switched from VPI, I was absolutely amazed at how transparent and uncomplicated the claim process was. Sure, the two policies I got for my dogs cost approximately 15% more than their VPI counterprts, but I have already more than made up the difference. For example, Embrace's routine-care (wellness) coverage actually costs just as much as the other insurance company. However, I was actually shocked to have received a 100% reimbursement from Embrace up to the policity limit of $200, when I was used to receiving very, very small portions back from VPI (e.g., $15 for a $65 shots as well as for a $95 exam, $10 for a $60 test, etc.). I used to get about $40 to $50 back from VPI, but I actually received $200 from Embrace! Wow, what a difference, for the same premium. I am definitely happy with Embrace. The ONLY thing, though, is that they might sometimes be a bit disorganized... I have sent in the same paperwork (NYS insurance waiver?) twice already, and they have just asked me to send them another copy because they couldn't locate one. While this has not affected my claims, it doesn't exactly scream, "We are organized!"
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

A mastiff that has a thing for socks!

I can't say enough about Embrace insurance. My english mastiff Daisy ate a sock and was very sick. She had emergency surgery. As anyone would imagine, the cost for a 180 lb dog is huge. Embrace was very quick in handling my claim and I had my check within 15 days. I have recommended this insurance to anyone who will listen to me. I have even given the website to my vet for his clients. Thank you Embrace!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

I am so thankful for my ASPCA Pet Insurance

I own a golden retriever and pembroke welsh corgi, and insured both of them with ASPCA a little over two years ago. I thought it was a good idea, but never imagined how good. The company where I worked for 28 years decided to close, and I lost my job this year, so money was tight. I almost lost my corgi early in the year to an intestinal obstruction. Fortunately he pulled through and is doing well. It's amazing what those little guys will eat. Without the pet insurance, I don't know how I would have paid that vet bill. To top it off, my corgi unexpectedly tore his cruciate ligament later this year. Again he did well with the surgery, with another big vet bill. And again, my pet insurance came through with flying colors. I will never be without pet insurance in the future, and will definitely stay with ASPCA. My claims were processed and paid very quickly, with absolutely no problems.
  • INSURER: ASPCA
  • POSTED: 03/28/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

NEVER USE SHELTERCARE

I was just denied my claim for a UTI/Urinary obstruction. I purchased the policy only because they specifically told me that the UTI would absolutely be covered even though my cat has had one before. This is apparently not true. They lied to me and i will be cancelling my policy and NOT recommending Sheltercare to anyone. If your animal has had ANY preexisting conditions they WILL not cover it!!!! Dont be fooled like i was, it took them 20 business days for them to even tell me i wasnt getting back anything! They should be proud!
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Easy claim form and speedy recovery.

I have a bulldog and a bullmastiff insured with Embrace. They have made the filing of claims very easy and resolution of the claims have been very fast. I did have one claim that was denied, but when I sent in a clarification, it was quickly resolved in my favor.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Good, but could be better

I bought pet insurance for my husky mix 2 years ago because I knew I could not afford vet bills if something major happened. I got basic accidental insurance and I am happy with the rate. My dog recently tore his ACL and needed surgery to fix it. I paid the bill, submitted it to the pet insurance company, and received a check a couple weeks later. It was easy and I found the customer service reps were friendly and helpful. I only have a few complaints. First, I did not receive the total allowance for my vet bills and still ended up paying $600. The reason was because they said the cost was too high and I could have gotten it cheaper at a different office. However, I visited 4 vets in my area and I went with the vet that charged the least amount. I'm not sure how it could have been any cheaper, as there are only two orthopedic vets in about a 100 mile radius of me and both charge the same fee (the difference in the amounts was the vet office fees for x-rays, etc), but at least I got most of the surgery covered. My second complaint is that certain injuries are not covered until you are with the insurance company for an allotted amount of time. I was lucky that injury did not occur a few months early, as I would not have been covered, even though I was way past the normal 12 month mark. However I will continue to insure my dog with ASPCA.
  • INSURER: ASPCA
  • POSTED: 03/28/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Easy claim; real people communicating

I am so impressed with the customer service at Embrace. Every time I e-mail I get a response from a person who really seems to care...no auto responses or phraseology. They take the initiative to look at our records and make things as easy as possible for me. Instead of my having "to prove" my claim, they took the time to look things up and promptly told me everything would be paid right away. I am very pleased with my experience and would recommend this company to anyone.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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