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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

Wow such a fast claim process!!!

This is the first time I have purchased health insurance for my pet (Buddy)and so far I'm impressed. Just submitted my first wellness claim for Buddy and within a few days have received notification that my check is on the way. Thanks Embrace for making the process of filing a claim so easy!!!
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED: Labrador Mix
  • AGE OF PET: 1 - 8

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10

out of 10

Friendly and FAST!

The claims process is simple and easy. Our reimbursement came in the mail as scheduled, hassle-free. I can't believe we survived THIS long with 2 dogs and no insurance (4.5 years). Embrace is the way to go!
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED: Maltese
  • AGE OF PET: 1 - 8

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2

out of 10

Go with a different company

I have had this insurance for a couple of years with no complaints. I just had a couple minor claims. My dog had a couple ear infections and a hot spot. Then my dog was diagnosed with Cushings and I was so glad to have the insurance, so I thought. They only paid the Cushings for 2 months. My policy renewed in June and now the Cushings is preexisting even though I have had the insurance since June 2008 and my dog was diagnosed with the Cushings in April 2010. Once your policy renews they no longer cover illnesses from the previous year. The only reason I got the insurance was because I was afraid I wouldn't be able to afford vet bills and now the insurance is useless. I had to cancel since I need the money to pay for his medicine. Do your research and get a company that covers illnesses for life and not just for 2 months!!!
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Thank you for helping my pet.

I have a 11 month old Bullmastiff, named Bocce. Bocce is very inquisitive and has a way of getting into all sorts of trouble. I had been trying to leave Bocce uncrated for very short periods of time when I left the house. He seemed to be doing very well UNTIL one day that I left him for two hours. I removed all of the potential hazards (or so I thought) from the room, but when I returned home I found my living room covered with pillow stuffing. He had demolished 3 of the 4 throw pillows in the room. I hadn’t realized that he ate the stuffing until he started to vomit later on that evening. I took him to the vet, and they advised me to have a series of xrays taken to determine if he had an intestinal obstruction. I knew that this would be costly, and that the pet insurance would most likely not cover the xrays, because this was not an illness. I chose to have them take the xrays regardless. There was no obstruction found, only a belly full of stuffing. We had to play the waiting game to see if an obstruction would occur, and surgery would have to be performed, or if he would pass the stuffing without a problem. Thank God, he did not get an obstruction. I submitted a claim as a formality, and sure enough ASPCA Pet Health covered the occurrence. This was a blessing to me, and truly any time I have filed a claim or had to deal with ASPCA staff, it was a breeze. The staff there are very concerned and caring. Getting this coverage was one of the best doggie decision
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bullmastiff
  • AGE OF PET: Under a year

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10

out of 10

Did not have insurance until..

I have 3 dogs, 12, 9 and 5, 2 x Beagles, 1 - Labradoodle After the elder one had an ACL injury which cost us in excess of $900 my vet suggested we get insurance since these costs can mount up. So we did, about 2 months later the 12 year old grew a golf ball sized syst on her rear hind quarter which required surgery and labwork. This insurance kicked in and they paid a larger proportion of the costs. I will never be without pet insurance again, ASPCA were very good to deal with and painless.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Beagle
  • AGE OF PET: Over 8 years

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10

out of 10

I can't find a better deal!

After reading the review that calls attention to the fine print on this company's policies, specifically the exclusion on coverage for conditions that manifest during the previous policy year, I did a lot of comparison research. I really think this may be a matter of getting the best deal for the money. The routine coverage of $220 per dog, under the preferred policy, just can't be beaten. Even with the allotments within the $220, it all gets used. That's a guaranteed recovery of $440 a year for my two dogs, which reimburses me more than half of the year's premiums, even if no illness occurs. When accident or illness DOES occur, the $50 deductible with 90% reimbursement appears unusual among companies I've found, unless I'm going to pay much more money. In sum, it appears to me that, in order to overcome the disadvantages of Petfirst, I would have to roughly DOUBLE my premiums paid, and would most likely recover nothing during the year. A $200 deductible appears standard with most policies, and with a typical illness, I would not reach that threshhold. I'm into my 3rd year with Petfirst, and the fact is that I've not lost a penny. Each year, I've recovered more than I put in, and so I'm staying with them. I do see that I can overcome the exclusion mentioned by putting a rider on my policy, but that would either double or triple my premium, depending on the level of coverage I chose under that rider. From a statistical standpoint, I can't justify the extra cos
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Understands Pets are People Too!

Warm regards always accompany all Embrace corrrespondence along with their wonderful reimbursement checks!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Rip-off artists!

Just imagine that your own Blue Cross or other health insurance would pay for a condition until the annual renewal date of your policy, and then claim that your illness was a "pre-existing condition" (they claim that each year is a completely new policy!), and refuse to pay further. That is exactly what Hartville/ASPCA does with your pet insurance. In addition, they only pay 80% of the fee allowed in their own "fee schedule," which you bet your life is lower than what your vet charges you. Who would even think to ask these specific questions when enrolling? This company's advertising is misleading. They are unethical cheats. I gave the a rating of "1" only because there is no Zero option.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

My first claim

I submitted two claims for my puppy Casanova. Embrace was prompt to respond to my emails and also return my phone calls. Their explanation of benefits was spot on and the coverage amount was EXACTLY what I had calculated. The process took about 15 business days from the day I submitted my claim form and invoice. Since it was my first claim, they took their time to review all information. During the entire process, they kept me informed of what was going on. Even though there was a confusion with one of my claims, they redid the whole thing after I explained to them. This is the first insurance company I've used and I am extremely satisfied with them. I hope they maintain the high standards in the time to come. Cheers!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Quick Claims Processing and Great Communication

I bought a policy that included pet wellness for our two new cats. All of the claims were paid within 15 days of faxing them in. Now that the series of shots are done, I emailed and asked that our policy be reduced to just accident and illness. Communication has been easy and all promised costs have been paid. I am extremely happy with Pets Best.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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