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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

Excellent

I will admit I had reservations-you read so many negative reports about pet insurances. But, since I now have 3 rescued shelties and 2 rescued mixed breed dogs, I felt I might need some help with medical bills so I would take the chance with Embrace. So far, I have not been disappointed. I have found Embrace to be straight forward and to do all they say they will do. Only one of my shelties has needed much in the way of medical help so far but his bills have been pretty high-to me at least-and Embrace has reimbursed me all expenses minus my copay(20%) and deductible.($500-wish I had lowered this amount when I took out the policy) No hide and seek when it comes to what is/isn't covered. They give you an itemized list of everything. Another good thing is, my claims have been settled quickly. A bit of advice...When purchasing the insurance, it is to your advantage to get the max coverage amount-10K-since any "on going" or "continued care" issues will only be covered up to 25% of whatever your elected max is. ($2500 if you chose 10K) Since my dog has an on going issue that was discovered in the previous policy year, I am glad to know $2500 of the expenses will be covered after my deductible and copay. No, it is not 100% of my money back, but it sure helps! Also, if you can, choose the lower deductible from the beginning. You do pay a bit more, but in the long run, it will be worth it. As I said, I don't know what the future holds, but at this point, I would highly recommend Embrace!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Outstanding!

Excellent insurance company with wonderful coverage and outstanding and fast reimbursement. They are caring and have been wonderful to work with and we never worry about the financial aspect of our dog needing medical attention. What a huge relief and wonderful safety net. We're very thrilled we chose Embrace coverage.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

So far, so good...

I just purchased my policy about 2 months ago. I researched a number of companies and chose Embrace because they seem to have better coverage for a number of common conditions. I also purchased the wellness plan and am glad that I did. I have already used the full $200, but I knew I would have plenty expenses during my puppy's first year of life. The claim was processed promptly, and I have had excellent communication via email. So far, so good.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: Under a year

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5

out of 10

Not what I expected.

Clain took very long to process. Only covered $86 out of $444. Called some things pre-existing that truly were not. For $118 a month, I would say not the greatest return on my investment. Andrea
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Mix
  • AGE OF PET: Over 8 years

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9

out of 10

Peace of mind with Embrace

We purchased a wonderful Boxer and rescued a sweet Pit Bull from our local shelter. The Pit has had no health issues but little Boxer girl has and with the exception of some preexisting issues (wish we had gotten insurance the day we brought her home) the Embrace insurance helped so very much. We did not get a policy with meds included which is a major cost and with a purebreed puppy that would have been a good idea for us during her first year.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Boxer
  • AGE OF PET: 1 - 8

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10

out of 10

Stress Free Claims Process

My first experience using my Pet Insurance was a stress free one. The claims process was done completely online. The claim was processed within one week. The policy covered 80% of the amount that was above my policy deductible. I have enrolled in the direct deposit option and this will expedite the reimbursement process.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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9

out of 10

Thank you Trupanion!!

One week before Thanksgiving our 2 year old Mastiff became ill. Upon waking Thursday morning she was lethargic and disinterested in eating/going out. I left work early to get her to our vet. Initially they suspected an intestinal blockage per xrays. Upon doing blood work they found her red blood count was down to 9% and she needed an immediate transfusion. We rushed down to the nearest emergency care facility (an hour away) where she was diagnosed with Immune Mediated Hemolytic Anemia (IMHA). She spent the better part of ten days at the facility receiving round the clock care and numerous blood transfusions and expensive immunosuppressants. She finally began to stabilize after 8 days. My wife and I were worried that we were going to have to make the hard choice. Thank goodness we didn't. We submitted a claim of over 10k to Trupanion. They covered everything save for our $100 deductible and a 10% copay. She still has a long way to go, 6-8 month of treatment, and even then there is no guarantee that her disease won't strike again. But we feel confident that if it returns (or if another problem comes up), Trupanion will take care of us. Not only would I recommend them to anyone I know, I will never have another dog that isn't insured by Trupanion.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mastiff
  • AGE OF PET: 1 - 8

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9

out of 10

Happy with the coverage

I have had my dog insured for about a year with Embrace. They have paid most claims to my satisfaction, most importantly I have noticed that they are fair and transparent in making their decisions. I shopped around and did my research. I found that Embrace was one of the only companies that had favorable pre-existing condition provisions. This is extremely helpful for those of us that rescued our pets or got them later in their life. The representatives are extremely responsive and really take their jobs seriously. You can tell that they love animals. I also like that they email you when they have received a claim and keep you informed of the claim status throughout the process.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Tibetan Terrier
  • AGE OF PET: Under a year

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10

out of 10

Our experience

It took trupanion 10 days to process our claim. This does not include my time spent on preparing the claim and getting doctors signature as well as postal time mailing the claim to trupanion and the reimbursement check mailed to us.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: Under a year

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2

out of 10

Cancelled in 2007 - Best Decision Ever

This was a company that has changed 2-3 owners since I signed with them in 1998. The rates progressed every year and ended being $80 for 2 cats, per month. This was more than MY health insurance. After the 2nd claim denial on my Gabrielle (who was in renal failure), I decided that $720 per year would be best spent going into a personal account for them. I would recommend Pets Best Insurance... recently found them as a partner link to my Aetna PPO site, and they have lived up to the hyoe and expectations. My older cat developed a serious issue, I paid $2400 to take care of it, and was reimbursed by them within a month. I am going to rate this company as POOR, due to high fees and low payouts. This was not a pre-existing condition.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Snowshoe
  • AGE OF PET: Over 8 years

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