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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

WOULD NEVER DO WITHOUT IT

Having pet insurance with Embrace has been our first experience with pet insurance. We never bothered getting pet insurance for our previous dog because we thought it would be more hassle than it was worth and that coverage would be severely limited. We are so happy to say that we were wrong in that assumption and are more than pleased with the coverage, the ease of filing claims, and the prompt response/payments from Embrace. They are a pleasure to deal with. We will never do without pet insurance again and highly recommend Embrace to anyone considering the same!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

A Lifesaver

I have always had cats. Within 3 years though I had one with Kidney Infection and he died, I couldn't treat, was too late. I decided with next cat to get insurance. I got Petwatch immediately. Within 6 months of owning my cat (was about 2 yrs old)- I found him on top of my dryer in laundry room shaking, I knew something was wrong. I rushed to pet hospital, vet said looks like whole mouth, tongue, throat was burned. Figured out he must've drank bleach or toliet cleaner off floor when I cleaned toliets. He was in oxegyn room for 3 days, in hospital total of a week, I had to tube feed him for 4 weeks. Petwatch said if bleach, not covered, if toliet bowl cleaner, covered. Well, it was determined toliet bowl cleaner after all I just cleaned toliets. I don't recommend using the blue toliet bowl cleaner to anyone and don't leave your lids up, make sure none on the floor. Anyway, claim was around $2400 and I got a check for around $2200 with a month. My cat was saved and is doing well today, although he can't annoying meow anymore, he is very healthy. Well worth it.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Shorthair
  • AGE OF PET: 1 - 8

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9

out of 10

TRUPANION IS AWSOME!!

Our 7 month old dachsund ate an object and after being x-rayed the vet said he would absolutly do surgery if it was his dog!He also said"This is why you Thank God you have insurance"and it was .The surgery went well and the bill was right around $2000.which Trupanion covered 90%.I would also recommend a lower deductable!Mine was only $50 and that was also helpful.Highly recommend Trupanion!!!!!!!!!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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6

out of 10

How long does it take to get your claim?

Well it took me more than 20 days from the first email with all my claim info. I've called about five time and on the supposedly final day (day 15), they've basically denied receiving the relevant claims and kept on asking me to send in additional info; however, at this time they should have already made payment as their online website promised (10-15 day turn around time from date of claim). When I talked to customer service demanding an explanation for the delay, they initially denied ever receiving some of the claim info and the file was marked incomplete and would take another 15 days to reprocess if I send it in now. Then after I told customer service woman when the claim was sent and pointing out to the specify time it was sent, she realized they did receive the claim after all. At this point, I was pretty upset so she could not wait to get off the phone and promised to expedite things. She promised to email me to confirm this conversation and have a turn around time of an additional three days. So when I did receive the email, I was upset that it was a typical forum letter suggesting that I did not send enough info and it was going to be another 15 days to re-review my claim. Finally, I called back again (5th time is the charm) and spoke with management, who was a lot more helpful and immediately process my claim. So here is what to expect: 1. they run a honest business, because I did get my reimbursements; however 2. they are in no rush to give it to you. Do n
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Caring and comprehensive

The entire team at Embrace is a pleasure to deal with. They have covered everything exactly as it is outlined in the policy we have with them. They process claims efficiently and payment is prompt as well. We have been with them for two years now and plan on continuing for the long term.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

Read the fine print!

This plan seems like a great plan at first, I chose the Advantage plan, which covers spay and neuter which can be so expensive and you get routine coverage as well as accident. However, once I submitted my claim for reimbursement, I was surprised at how LOW my reimbursement was compaired to my vet bill!! Granted, I took into a account the deductable, however they only reimbursed me for 80% of what THEY consider to be "reasonable costs" (basically they take the average of what the vets are charging in your area, and that includes cheaper places like shelters and such, so if you choose to go to a more expensive vet, that is a disadvantage for you). Also, I'm unhappy with the customer service, which once I got through was good, but anytime I chose the option to check up on my claim, it took literally 30 min. before someone would answer! Then when I chose the option to open a new plan, my wait time was (conveniently) only 5 min.I wouldn't recommend this insurance, too many loop holes.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Liars!

I would NEVER recommend this insurance company to any pet owner. In the time we had this insurance we submitted two claims and with both claims they gave us any extremely difficult time and paid out nothing. We piad over $58 a month for our precious pug to help with vet bills when they arose and it was a complete waste of money. Although when you initially sign up they promise you the world. None of it is true and I wish we never wasted our money on pet insurance because we were far better off paying out of pocket. Every claim we submitted from a tumor to a rash they found a way to deny the claim and it took months of phone calls, emails and vet letters trying to clarify and still no payout. This companhy is a huge rip off....
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

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7

out of 10

Every little bit helps

With the cost of vet care (which is outrageous), coupled with simply having no choice but to treat our precious pets when they're in distress, I've weighed the annual cost of ASPCA insurance against the high price of a single visit to the vet, and find the cost of insurance to be well justified.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

BILL'S RATING

Easy, no fuss, no chasing around on the phone, best price.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Trupanion gets great recommendaton!

We purchased Trupanion pet insturance for our 13-year-old cat, Mittens, last year. We wanted to provide coverage for any expensive procedures. Trupanion was very efficient and helpful in explaining the coverage for our cat before and after she had oral surgery--extensive tooth resporption. The claim was most defininitely resolved to our satisfaction!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 8 years

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