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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

Ollie Eats the Squeeker

My sweet little puppy Olivia loves a squeaker toy. One Monday she got very sick and threw up and was very wobbly. Off to the vet we went, 8 hours later and $554.00 poorer, we came home with puzzled thoughts what was that in her body that started out in the am by her stomach and was now down by her tail? Well 20 minutes at home and out she went to relieve herself and what did we find but the squeaker toy. Thank goodness for Embrace they have paid the entire claim. It was the smoothest transaction ever. I wish my healtcare was this easy. Thank you Embrace you guys rock.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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1

out of 10

EXTREMELY ANGRY

We insured our dog after she had an accident to her left eye which had cost us a hefty $4000.00 plus. We knew this was an existing condition, but were concerned with any further health problems of any kind. Our Document of Insurance had the Injury to Eye as a TEMPORARY exclusion, so I called the Company and was informed that after a period of time the eye would again be covered. So I kept the policy going and each time it was re-issued with the same clause...Temporary exclusion. This year (9 years later) she has developed glaucoma in that eye and it has to be removed ($1300) we submitted a proposal from the vet and were turned down and our policy was underwritten the same day to totally exclude the eye, based on an existing condition.After 9 years of payments and only two claims against the policy in all that time...they decided on that day to permanently exclude the eye....how convenient!! Our vet is disgusted with them and has told us that she never recommends PetCare any more...as they have a bad reputation for paying out. We are not in a financial position to cover the cost of the operation, so our dog is unable to get relief from the pressure in her eye and is in discomfort. We are still fighting with the company over their decision.
  • INSURER: 24PetWatch
  • POSTED: 10/11/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

I highly recommend Trupanion

Trupanion processes claims extremely quickly. I have been very happy with Trupanion and would recommend it to anyone considering pet insurance. I only wish they would consider covering medicine for pica (when pets eat non-food items, like rubber gloves and electrical cords) because the medications which curtail the behavior are relatively inexpensive compared to the cost of surgery. As a result of the pica, my cat has had two endoscopies and one abdominal surgery. Medications for "behavioral problems" aren't covered, but should be for pica when it can cost thousands of dollars for medical procedures and prevent injury to a pet.
  • INSURER: Trupanion US
  • POSTED: 08/24/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Excellent care for 17 1/4 years

I have had Pet Plan / Pet Secure for 171/4 years. I had two Bichon's until March / 09 and now I have one. I have always had the best plan for my dogs and even when I only had 50 % coverage because of multiple issues they always paid my claims promptly and allowed me to provide the very best care for my dogs. My dogs have and had many many issues. Rufus (17 1/4 ) has kidney failure, Cushings disease, recurring anal gland infections, a heart murmer, allergies requiring allergy shots biweekly since age two and he had a near death experience when he was 12 when his larynx collapsed at the groomers. Along with 3 crutiate ligament surgeries , a laser eye treatment, dentistry from a veterinary denttist and countless other medical issues Pet Secure Insurance has paid a large part in maintaining Rufus's (relative) good health. He does not look ill and he is maintaining his weight and is still going strong.We had Toni for almost 13 years. She had bladder stones, crutiate ligament surgery, heart disease and many surgeries to remove benign lumps. Again my experience with Pet Sercure has been amazing and I heartily recommend it to any caring and responsible pet owner. I never wanted to second guess what vber my vet told me the dogs needed. I never wondered about the cost of a procedure. My claims were processed quickly and I never had a problem. Both dogs eventually were at the 50 % coverage rate but 50 % of their very large bills was still a great help. Kudos to Pet Secure for providing excellent pet insurance.
  • INSURER: Petsecure
  • POSTED: 03/24/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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5

out of 10

claim review too long and unfair

I continue to be disspointed with the service.They reject claims as pre-existing without further info/documentation. When I wrote and asked that they support their claim they simply never responded. I hear that the AKC offers a good program and I will look into it.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Excellent coverage and customer service

I have had my pets covered by ASPCA Pet Health Insurance for several years. During that time I have turned in numerous claims, several for some specialized treatment, and I have been very fairly reimbursed. Thus far I have had no problems getting a representative on the phone or via e-mail, and those I've dealt with have been helpful, compassionate, and extremely niced to work with. I have recommended ASPCA Pet Health Insurance to several of my friends and will continue the coverage unless something unforseen happens.
  • INSURER: ASPCA
  • POSTED: 03/26/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Easy to work with, great customer service

I have our 2 boxers insured with Pet's Best. So far I had two claims and both were paid without any issues. I did not use their coverage for things like shots or teeth cleanings but their plans for surgery and accidents worked great for us. They offer monthly payment plans and discounts for more than one pet. I was with VPI before and the issue there is that they use a list of standard cost for services. IF your vet charges more you don't get your refund based on actual cost. I was able to chose the vet and service I want and they have not let me down. I'd give them a 10 if they would offer some kind of refund if you don't file a claim for the whole year but I guess that is wishful thinking and does not happen with any insureance...unfortunately.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

Don

I read the Embrace coverage policy top to bottom and I was really disappointed. The illness coverage covers one thing only: " a congenital and genetic condition." As a owner of a mix breed dog I just am not all that worried about genetic conditions that pure bred dogs are known for. What I AM worried about is illnesses like Kennel Cough or Lyme Disease if my dogs vaccination is unsuccessful for some reason. What about these? Not all that impressed with Embrace. I was going to buy it because of all of the good reviews it got and the discount my work offers, but the illness policy just doesn't cover anything I need it to.
  • INSURER: Embrace
  • POSTED: 04/12/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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6

out of 10

Typical to Fair

I quit their rivals, PetPlan after they kept raising premiums every time my Airedale got sick. PetCare has been somewhat better, a bit slower in upping their fees. It might help that my vet deals with them exclusively and will go to bat for me when I dispute their claim decision. (Unfortunately, we are pretty good customers).
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Most Excellent & very best choice for pets!

I have been a veterinarian for 21 years. Every veterinarian at some point encounters "economic euthanasia". I believe that pet insurance is the single biggest protective device AGAINST "economic euthanasia". I had much experience with the first pet insurance company when it was still in the business of protecting pets and pet owners from "economic euthanasia". Then the company decided that the "bottom line" was more important than the "tie that binds" - - in this case the precious family-pet relationship. Suddenly the company relied on "benefit schedules" that bore absolutely no resemblance to the actual costs for various procedures. Instead, our clients were witness to a company that spent lots of time and energy denying any sort of benefit to pets and the people who love them. Then Dr. Jack Stephens introduced Pets Best Insurance - - as he describes it, "Simply the best for pets". The claims process is exceptionally easy - - we help the client complete the claim form, we fill out the medically relevant information, attach an invoice, and then we actually fax it to Pets Best to ensure the timely filing of claims. The rest is history-making, because once the deductible is paid, Pets Best takes care of 80% of the remainder. In claim after claim that we have seen after settlement, there it is in black and white - - 80/20... No other pet insurance - - other than Pets Best - - makes sense!
  • INSURER: Pets Best
  • POSTED: 03/25/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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