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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

dont waste your time and money

I bought this policy after reading some of the comments here. Got the coverage and thought it was great when they paid my dog's wellness claim. But then a week before his 'waiting' period was up my dog jumped off the deck (20" high). He didnt seem injured at first but the next day he didnt jump up on the bed or on his stool. I took him for x-rays and although they showed no signs of any injury other than a sprain his claim was denied. Apparently you have to have the vet fill out a report card and I didnt do that until he was having x-rays. Since I submitted the report card with my claim, his injury was deemed pre-existing. Not only this claim but now he also cannot have any other claims for similar injuries. So I canceled this insurance and have purchased another company who realize that my pet isnt perfect and that I may have to actually make a claim.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

First claim was painless

When I came home to find our dog holding one eye closed, I immediately took him to the emergency vet. The last thing on my mind was filing a claim. Four days later, after more vet visits and minor surgery to correct the issue, it occurred to me that we had insured him for just these times. I was pleasantly surprised at how effortless it was to file a claim and how promptly we received our money. I would strongly recommend your company to other pet owners.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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8

out of 10

helps with my cats' bills

I chose ASPCA pet insurance for my cats because of the ASPCA link. So far I have been happy with their services. I do wish they paid for lab work along with treatment but that is just one thing. I got insurance for my cats in case of cancer or something similar where we would really need help paying the bills. i hope we never have to use our extended coverage.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Embrace is Excellent!!!

I have my 3 labs insured with Embrace, and unfortunately one of my labs had to have his tail amputated after a case of "happy tail" led to a terrible sore that would not heal after 5 weeks of bandages, antibiotics, etc... Lea and Carrie were absolutely awesome!!! My veterinarians were so impressed with the personal level of service I received from Embrace that they now have Embraces' information available for other pet owners in their lobby. I can't say enough about how happy I am with my choice of Embrace for my dogs insurance.
  • INSURER: Embrace
  • POSTED: 03/28/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

Read the Policy and Compare to Other Providers

When you look at ASPCA (Hartville) as a potential provider of insurance for that special member of your family take into consideration the reviews you read on this site. Some are very good and some are very bad resulting in a rating in the 5 - 6 range. As a person that has learned by experience, after 1.5 years with ASPCA I am now looking for a better alternative. Based on my first year experience, I would rate the ASPCA policy with a 7. The claims process was easy, they were very conservative in their reimbursement of my claims (allowable amounts for my region are much lower than the amounts charged by veternarians) and the premium costs seemed reasonable. When I did the compare of my premium costs to my out of pocket costs less reimbursements the result was self insurance would have been less expensive. This is typical of any insurance policy because the insurance is there for the big events. As we moved to year two my rating goes to 2 and I caution people to consider other providers. My dog exibited symptoms that indicated potential liver problems. I made the decision to have tests done to know what was causing the syptoms and if treatment was needed. I submitted my claims to ASPCA with confidence that they would be there for me (as they promise in their web marketing). To shorten this story, ASPCA did not delviver on the brand promise of protecting our little friends nor the marketing promise presented by Hartville on their web site. They said that since blood tests were done outside of the plan period (this is their way of avoiding payments) that should have indicated the syptoms or should have allowed my Vet to diagnose the problem I had a pre-existing condition (#18 is their code). Four claims have been denied, customer service has been polite but very slow to respond and I feel there is limited recourse. I now realize that I made the ill fated choice to buy insurance from a company that co-branded with someone I trusted but that did not mean it was good insurance. Hartville invests their money into web marketing and limits the funds going to robust customers service. The business model depends on very limited payouts so the policy is written to accomplish that. When you do the math in terms a policy that is replaced on a yearly basis so that anything in the previous year could be pre-existing unless you can demonstrate the 180 day rule you cannot win with this company. Rates go up every year and the odds are the things they will cover go down. It is not a scam, it is just a business model that is based on greed and a brand message that does not ring true.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Tater says thanks

I would like to say we have been very impressed with the professionalism, caring and promptness of Embrace Pet Insurance. The experience has been much better than I ever expected. After our last dogs passed away we thought we would never have another dog again. But then our Sweet “Paw”Tater joined our family. Since he is an enthusiastic chocolate Labrador, and I wanted the joy of taking him out into the field as a fishing buddy, and the insistence of others to get pet insurance, we settled on Embrace. Having never purchased pet insurance and not really know what to expect, so I relied on customer reviews and the Embrace website to identify issues. So far we are very happy we choose Embrace. This last May we noticed Tater would limp after a day at the dog park. Tater was initially diagnosed with fragmented coronoid process of the ulna (a type of elbow dysplasia), but as it turned out there was an uneven growth of the ulna and the radius in both front legs which has caused pain in the elbows. A dynamic ulnar ostecotomy was performed on his left leg (the right will be performed once he can use the left again). It is actually better this was the problem, as he will have less of chance for arthritis in the future. All through the process Embraced approved the veterinarian’s cautious approach to possible treatments. While this required several steps it has saved on un-needed procedures, time recovering and ultimately will be the best for Tater. Tater says thank you Embrace.
  • INSURER: Embrace
  • POSTED: 03/28/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Overall they get a B-, but today, don't ask...

The bottom line is that PetFirst reimburses what they say they will. They also pay by incident and a lot of companies try to weasel their way out of paying for a lot of diagnostics. PetFirst takes their time paying, and if you call to ask for clarification of the info on the website, which isn't always accurate, be ready to stay on hold for a while. As of this moment, I have been on hold for nearly and hour and a half. No joke. I think I will call the extension for "new policies" and see if anyone picks up.As I said in my opening sentence, PetFirst pays what they say they will, premiums are reasonably priced and they will take older pets that most companies will not cover without charging an arm and a leg. We will keep our policies, but we won't hold our breath waiting for reimbursements. Kudzu could cover a two story house during that wait.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Pays for Itself

My sister is a veterinarian, and she recommends Pets Best to all her clients. She even insisted that I get it for my dog because she knows all too well how much vet care can cost. She was right about the expense, and right about Pets Best. I've gotten almost as much back in claims as I have paid in monthly dues (even though my dog is active and healthy), and filing a claim with Pets Best couldn't be easier.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

No problems so far

I've only submitted two claims to Embrace so far, but each have been reviewed in well under two weeks (more like a couple days). The company e-mails me when they receive my claim, and then again with their decision. Their customer service is great when I need to call, and of course when they e-mail. They seem to know what they're doing, and actually care about your pets. It doesn't feel like they're trying to "cheat" you. It was made perfectly clear to me that any pre-existing problems documented in my pet's record would not be covered, and that was understandable. They cover any breed-specific conditions, which a lot of companies won't (Example - Cocker Spaniels are prone to ear infections). I love Embrace, and although I (fortunately) haven't had to make a large claim with them yet, I feel like I am getting my money's worth and am confident that should a large claim situation arise, Embrace will be there to help me.
  • INSURER: Embrace
  • POSTED: 03/28/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Highest Praise

I have only the highest praise for this company. They covered my 8-year old adopted golden retriever. I never once had to question the coverage and the reimbursements were generous. No comparison with previous insurance coverage.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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