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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.

3

out of 10

They were Great - until they changed underwriters.

I loved Pet's Best. I signed up for it within a day of it becoming available in my state! I recommended it to family, friends, strangers - anyone with a dog that would listen! They paid every claim submitted in a timely manner - and with absolutely no problems. And now they've changed underwriters - and no longer are keeping one of their promises. They HAD a wonderful program where you could pay an extra $12 a year and have your dogs premiums stay the same until their 8th birthday. When I saw this I thought "WOW - you'd be crazy NOT to do that". I used that as a selling point to have a good friend get the policy even though money was tight at their house. I read the agreement carefully and looked for any loop holes - but when I read the part of the contract that said 'Discontinuation of Fixed Premium Program: the company may, at any time in its discretion, discontinue offering the Fixed Premium option to new insured. The company, however, will continue to honor and provide the Fixed Premium optional coverage for any existing insured who has purchased the option prior to termination of the program, subject to the terms and conditions of this policy.' I figured - GREAT! I'm in the program - I'll just have the yearly fees automatically be deducted - and even if they discontinue the program I'll still be fine - it says right there that they will continue to honor the fixed premium. Well - my policy auto renewed 2 weeks ago - and when it did I was told that the underwriter changed to Aetna and they were discontinuing the fixed premium program. I thought to myself 'that's fine - my original policy states they'll honor the program even if discontinued'. Well - apparently not. Apparently their policies and honor mean nothing. Since Aetna doesn't want to continue with the program - they will discontinue it for everyone - no matter what the original policy states. And it's not even a tiny raise in price - for me it's an increase of $150 a year for the premium and an additional $25 per visit for the deductible. Now, unfortunately I can't sing their praises everywhere I go - since I have no way of knowing what they will decide to change next - and can't trust that they will hold true to our original agreement.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Very happy with this coverage

I have had other insurances for my pets and for the value and coverage it's amazing. Just like a person there's a deductible but after that everything is pretty much covered. I am very happy with the coverage and always amazed at how quickly you get reimbursed.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Excellent claim service

I submitted wellness claims for my three dogs and within a week have my refund. Excellent customer service.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: 1 - 8

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10

out of 10

Thanks for coming through for us!

I've never been in favor of pet insurance and only got it this year because my new pup's breeder felt it was important. She recommended Embrace, and I did like the customization options. I didn't think I'd actually need it, but sure enough, my one-year-old Greater Swiss Mountain Dog had a mountain of stomache troubles. Three days of hospitalization and a myriad of tests later, her bill was over $1000. I almost forgot I could try sending it to Embrace. I'm so glad I did! I had chosen a plan where I'd pay a deductible and then 20% of the remaining balance up to an annual maximimum. Embrace paid their entire 80%, no questions asked. Thank you Embrace, for coming through for us and our dog, and also for being a stand-up organization!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Greater Swiss Mountain Dog
  • AGE OF PET: 1 - 8

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9

out of 10

Our Senior Poodle's Best Friend

Alfie is 15+ years old and has had some medical problems over the last few years. Knowing that we would not have to shoulder the entire expense made it much easier for us to decide on medical options for him. Happily everything worked out well thanks to a great Vet and ASPCA Pet Insurance!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Poodle
  • AGE OF PET: Over 8 years

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10

out of 10

Claims people very helpful, but still an Ins. Co

I don't think you can beat trupanions turn around time on claims. The really do pay you back really fast. When there is any problem with a claim they are eager to sort the problems out. To date I have only had one issue with them. My pet had diahrrhea once when he was a pup before I had insurance. My dog is now 7 months old. Recently he has been diagnosed with elbow dysplasia. The Vet prescribed him Rimadyl which has a know side effect of causing diahrrhea and potential death. Trupanion deemed this a pre-existing condition even though my vet specifically wrote them a letter stating his diarrhea was caused from the rimadyl and he had no diahrrea before his treatment. So while they are good at paying expect them to act like any other insurance company and look for ways not to pay. They also wont pay for things such as adequan injections it's deemed a supplement and not covered. My best review will be comming soon. My dog has gone to see a specialist for his elbow dysplasia and the estimated bill is $2.7k-3.3k.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rottweiler
  • AGE OF PET: Under a year

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10

out of 10

Excellent

My experience with the claims we submit to Trupanion have been great. They are true to their word with very few restrictions and breed predispositions. They are timely with processing the claims and getting the checks to me. I have and will continue to recommend this insurance company to the clients at my practice
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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9

out of 10

I'm happy with Embrace!

I looked around, and Embrace had the best policy that I could find. They have great communication and very friendly staff. They sent my reimbursement check very quickly. I had my dog neutered, and they covered $400 of it. Embrace is great!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pit Bull
  • AGE OF PET: Under a year

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10

out of 10

Happy With Wellness Rewards Plan

This is my second year with Embrace. I am very happy with the Wellness Rewards Plan for my greyhound. After taking her for her annual overall wellness check, nail trimming, various immunizations and required county tag, fecal exam, and heartworm test, Embrace quickly reimbursed me the full $200 of the total $234 bill (I selected the $200 maximum reimbursement plan). I definitely will renew with Embrace when this plan expires in March.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Greyhound
  • AGE OF PET: 1 - 8

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9

out of 10

Excellent communication and follow-through

This is my first experience with pet health insurance and so far I am very happy. I needed a lot of explanation and then made several changes in the first weeks of my new policy and each time I phoned Embrace the reps I spoke to were courteous, patient, and took immediate action. Every phone call was followed by a confirmation email letting me know the requested changes had been made. I've only had one vet visit so far and I received a partial reimbursement check for that visit about a week and a half later. Having never had pet insurance before, that check made my day! I look forward to my future dealings with Embrace and feel like just knowing the insurance is there lifts the burden of wondering "what if" when it comes to the health care of my dog.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Bulldog
  • AGE OF PET: 1 - 8

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