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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, unsurpassed company!

After being disappointed by another Pet Insurance Company that we had used for years, I shopped and found Embrace. The people are wonderful and even answer e-mails on a Saturday! I am thrilled that they pay "customary charges" on a regional basis, and they are good business people, in that their caring shows. I feel good after corresponding with Embrace. My claims have all gone to my deductible so far, but I feel that Embrace is fair and reachable. I have told my Breeder to recommend Embrace and she has done so and I talk to pet owners all the time and recommend Embrace!
  • INSURER: Embrace
  • POSTED: 01/27/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Wonderful

Perhaps not the most complete coverage, but my main worry is about emergencies. I calculated that once I use all of the routine care coverage, I am only paying $80/year for emergency coverage! My dog is constantly around horses and cattle, but PetFirst gives me peace of mind that I can affordable take care of my dog if he gets hurt. I have had them for 4 months, and have already made a couple claims. I was so impressed that when I had made my first claim, I had only paid in the first $30, but they promptly sent my my $75 check. Great service! I recently got a new puppy, and now both my dogs are covered!
  • INSURER: PetFirst
  • POSTED: 04/04/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Wow- so fast! Wonderful Co!

I did a lot of research on pet insurance companies when I got my first poodle 5 yrs ago after running up thousands of dollars in vet expenses. At the time Embrace did not exist or I could not find them anyway. I went with AKC healthcare- figuring that the AKC would pick the best of what was out there. I have not particularly had severe problems with AKC except it takes forever to get my check. In Nov I added to my pet family with another poodle and before getting her I again researched pet ins. By this time I had heard of and recommended quite a few times Embrace to my auto/home insurance clients after learning they were a new and local pet insurance company. I also could have gotten a good discount with another company thru my employer for their pet insurance but I did not like what I saw with that company. I decided to take my OWN ADVICE -I had been dishing out for years to my customers- try Embrace. I am soooooooo glad I did from the very first phone call Kate was incredible and so helpful. I got my refund check back in record time. My only small snag was somehow my bill/receipt which I had sent in mail with claim form, ortho waiver form and previous treatment info got seperated and lost- they got the rest of forms but not the charges. I got a nice email promptly from claims telling me this was missing and I called vet to fax another one over to Embrace which they did immediately. Voila' claim was processed very quickly- Embrace sent me a copy of endorsement to my policy giving me the microchip discount and approving the ortho waiver of 6 month waiting period for my poodle. My one big regret is that Embrace was not around the first time for my original poodle and I now can not transfer her to Embrace because of her pre-exisiting conditions- although I am still wondering if I should and just pay for the pre- ex conditions out of my pocket. FYI I am still waiting for check from AKC- claim was sent same day for my first poodle- they did send a letter saying they received claim and would address it within 15 days(which it has now been over)so yes I am thrilled with my Embrace experience. Please give them a try you will be glad you did. Pet insurance is sooooooo important!!!! I was so happy to have it on my first poodle when she got ill from the recalled dog food that the Chinese added melamine to. Had Embrace been around when she was a puppy then too they would have covered her 2 knee surgeries too that were congenital likely- NO OTHER Company out there would have done that. Embrace is #1. Thank you to all the "Embracers".
  • INSURER: Embrace
  • POSTED: 04/09/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

SO FAR NOT TO HAPPY

I AM MOST UNHAPPY WITH YOUR DENIAL OF MY CLAIM.MY MALTESE WAS RUNNING A FENSE LINE WITH MY TWO GERMAN SHEPERDS AND WAS BITTEN IN THE BUT.i DONT BELEIVE THERE WAS A DOG FIGHT. I WOULD OF HEARD A DOG FIGHT. THERE WAS ONE YELP AND THE MALTEESE CAN INTO THE GARAGE AND STOOD BY THE DOOR. I DID NOT WITNESS ANY THING THAT ACTUALLY HAPPENED. THESE DOGS ARE TOGETHER DAY AND NIGHT AND THIS IS THE ONE AND ONLY INJURY MY MALTESSE HAS RECEIVED. I THINK HE WAS JUST IN THE WAY AND GOT GRABBED IN THE BUT. HE WEIGHT 6 LBS MY SHEPERD WEIGHTS WEIGHS 100LBS. THERE WAS NO FIGHT OR MY 6 LBS MALTEESE WOULD NO BE AROUND
  • INSURER: Embrace
  • POSTED: 04/06/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

The insurance company that ACTUALLY cares.

We read the reviews, looked at the services provided and decided to go with Pets Best. We are so glad we did. Not that any pet parent wants to take their child to the doctor but surprises do happen and when those unfortunate surprises do happen... you should absolutely be prepared with Pets Best. When our Pomeranian started having seizures last Christmas we were obviously concerned. We took him in and he was ultimately diagnosed with an inoperable brain tumor. PB paid a large chunk of the diagnosis costs and the subsequent medications needed to control the seizures. When the time came, they covered $100.00 toward cremation. We have 2 other dogs, 1 has a preexisting eye condition (which is not covered), and the other is young and likes to get into things. We have them both covered because you simply never know. We highly recommend Pets Best.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

VERY GOOD INSURANCE

I HAVE HAD OTHER INSURANCES ON MY PET BUT ASPCA IS THE BEST YET. ASPCA HAS REEMBURSED ME FOR MY VET BILLS WERE THE OTHERS SAID IT WAS NOT COVERED. MY VET EVEN SAIDS HE WOULD RECOMEND THAT EVERYONE SHOULD HAVE INSURANCE ON THERE PET. ASPCA IS LESS EXPENSIVE THAN ANY OTHER OF THE ONES I HAVE HAD AND PAYS OUT MORE.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Pretty Good

So far, I have been very pleased with the insurance, including easy forms to fill out, fair reimbursement, and the fast payment of claims.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Simply Outstanding Service!!

I am beyond wonderfully pleased with Embrace!We acquired our insurance in Dec 2009. After having paid only TWO months of dues, our 3 year old English Mastiff had a rare occurrence, a twisting of his small intestine, which ultimately sent him into emergency surgery and a week-long, touch-and-go stay in the hospital. I called Embrace to make them aware of the situation and inquire about and verify our coverage in order to make a decision about treatment. They were kind and concerned and assured me of our coverage and limits, enabling us to make an informed choice. These decisions are so difficult to make in an emergent moment, but I felt we had made a great choice in Embrace when I did the research to purchase pet insurance. We ended up with over $12,000 in costs for treatment and Embrace paid every cent of our $10,000 annual limit!! Again, after only two months of payments from us! What a testimony of integrity and reliability in a company! Embrace will have my business for years to come and I would, and do, recommend them to every pet owner I know!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

AWSOME COMPANY!!!!

I have had Embrace ins. since my dog was a puupy and they have been wonderful.At the young age of 1 my dog had two hip replacements and then due to a severe infection had to have one leg amputed.The people at Embrace are kind and compasionate and and I never had to wait long at all for my check.I have heard people complain about all different companies out there and I have never had a problem with Embrace.I would and have highly recommended this company to anyone
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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6

out of 10

Positives and Negatives

The positives are that they have excellent customer service and are much better than VPI. The reimbursement by reasonable and customary is much better than a set fee. Negatives: I signed my dog up for insurance the day we picked him up from the breeder. Unfortunately the breeder was giving him his immunizations and he wasn't due to go to the vet for 3 weeks. When he was at his first appointment, he had a little diarrhea and was diagnosed with colitis. Which is now considered a pre-existing condition DESPITE the fact that it was after the waiting period. Puppies get diarrhea from time to time, I'm just afraid all GI related diseases will be excluded... The claims process took FOREVER, I think it was 16 or 17 business days (a MONTH to get a check) after filling my claim, after countless phone calls. They did end up covering the expenses of a subsequent ER visit. However, there was a great deal of anxiety over if it would be considered pre-existing. I had to fight the vet to take my dog home sooner because I was afraid I couldn't afford the visit. I bought the policy early to avoid they anxiety of pre-existing conditions and that certainly was NOT the case...
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Pointer
  • AGE OF PET: Under a year

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