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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.

1

out of 10

i tried it, did not renew, was a waste of money

don't waste your money on this one. i tried it, turned it claims, was always turned down, but they wanted to renew and take my money again, but i cancelled. won't ever use this one again
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Watch out for incident limits

I had a Pets Best policy for 3 years. My wonderful boy has allergies and will have to have them treated for the rest of his life. The per incident amount on the plan is $2500 I used that amount in two years. Pets Best considers the incident to be anytime that problem happens so in reality they only cover chronic conditions up to the limit. I have changed to a VPI plan they won't cover the allergies (they are pre-existing) but they let me know exactly what I am getting and honesty is important to me!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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6

out of 10

They are not too bad for the money

They are reasonable-the monthly fee is affordable. They only pay 80% of what they feel is fair and reasonable. My last claim they did not pay any thing bacause they said it was hereditary, although all the tests came back normal. I think they are trying to say that my dog has boxer myocardia. But there was no sign of it found. So therefore I am very dissapointed with them right now, and I have appealled their decision, I just wish I would have found this web site before I picked the insurance company.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Honoring their word

This is our first experience with pet insurance. It has been reliable and certainly worth the cost. I've been very pleased so far and as a healthcare provider who deals with disturbing health insurance behavior, this is a shining star.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

ASPCA Pet Health Ins. is a lifesaver - literally!

My five-year-old cat, Ace, is my problem child. He loves to get into things that he is not supposed to. He especially loves to chew on anything rubbery or of a foam-like consistency. When he chews on these things (flip-flops, padding on my weight bench, etc), he often swallows chunks that are too big to pass through his intestines. The only way to save him is to open up his intestines and retrieve the object causing that obstruction. My friends and family think I am crazy for paying for these expensive surgeries, but knowing that he is covered by ASPCA Pet Health Insurance puts me at ease. The expense of vet bills is often the most stressful part of maintaining your pet’s health. When something major happens and Ace and I end up in the vet’s office, I know that ASPCA Pet Health Insurance will be there to help us. I was a skeptic at first- I didn’t believe that ASPCA Pet Health Insurance would come through for me in situations like this when the vet bills are in the thousands of dollars. But now I am a believer. Investing in health insurance for my pets is one of the best decisions I have ever made, and I am so thankful that I did!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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10

out of 10

Fast and Efficient

Trucompanion emails you as soon as your claim has been rec'd and usually within 48hrs lets you know again by email what you'll be receiving in coverage then the cheque is in the mail within a week to 10 days tops.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

OUTSTANDING!

We obtained Embrace pet insurance in 6/07 and are so, so grateful we did! They have paid promptly on his allergy problems and much more than we expected. But the amazing experience was when our 110# 'puppy' tore his ACL and had to have surgery. Our bill was $2950 and we were reimbursed $2600! Not only that, but they cover acupuncture and alternative health treatments. Between Embrace Pet Insurance and a progressive vet, Kodo is doing fantastic!!!! I tell everyone they not only NEED pet insurance, they need Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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2

out of 10

Huge Premium increases

I have been with Pets Best for over 2 years now and have been pretty happy with them until recently. Why? Well, I just received my renewal policy from Pets Best and was shocked to see a HUGE increase in premium for the coming year. I have two cats under Pets Best, and only made one claim ($500 for an ultrasound to check a heart murmur) in the past year. Now I am seeing an premium increase of 37% in the renewal policy (annual premium in the mid-$500 raised to over $800), in addition to an increase of my deductible from $75 to $100 (Pets Best no longer offers the $75 option). I am planning on moving my younger cat to PetPlan after this current policy expires. My older cat who got the ultrasound will stay with Pets Best because no one else will insure this pre-existing condition. Pets Best recently change their underwriter to Aetna. It is sad to see that profits are more important than their customers since this change. I suggest other pet lovers go look at a different insurance company.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

excellent coverage

On April 14 2010 my 10 year old daughter and her friend were walking our 9 1/2 month old papillon/pomeranian when our dog was attacked by 2 rotweillers. Our little dog had its intestines hanging out, she was bleeding and whimpering in pain. At the vet it was discovered that 6 of her ribs were fractured, her diaphram was torn, and her lungs and pancreas were punctured. She needed emergency surgery to repair her chest and abdominal injuries. The following day she needed another operation on her abdomen. Following this she needed IV antibitics to prevent infection, pain medication and was hospitalized for many days. She had a setback when she started vommitting. We didn't know if she would make it due to her extensive injuries. My daughter was traumatized by the attack and was so scared her dog was going to die. However, she pulled through and survived. Her vet bills totalled $10,573.17. Thank goodness I had pet insurance. My claim was approved within a few weeks and I have been reinbursed at 90% minus the exclusion for vet exams and rechecks. I would highly recommend Trupanion.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Prompt Service, going the extra mile

Embrace is my first experience with pet insurance. We had a minor claim, it was our first so Embrace needed complete medical records in order to process the claim. I failed to provide all the information needed, they contacted my vet and got the rest to complete the claim. KILLER SERVICE, above and beyond what I would expect. I recommend them wholeheartidly.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Mix
  • AGE OF PET: Under a year

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