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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

Saved me alot of money

When my 13 year old Doxie had to go the the emergency vet it cost me almost $800.00. I was glad they helped me but they wanted all their money right away. Unfortunately he passed away and I now have a new puppy 2 months old miniature Doxie Duke. I have sent in 3 claims and all are being processed as we speak. It was well worth the price because it pays for his medications and shorts and as a Registered Nurse I can tell you pet medication and doctor visits are as expeensive as humans. One day I accidently dropped a pill that would have been lethal to him in 1 hour. I rushed him to the vet within 20 minutes and they kept him for about 3 hours to induce vomiting and keep a close eye on him. The pill he passed was not even totally dissolved and I brought him home. They said he would probably be a little sleepy for the rest of the day but he never missed a beat. The only things not covered so far for him were his vitamins and special shampoo but getting back 80% of everything else was well worth the cost of the insurance and I already have the $100.00 deductible in. This would have been wounderful with the $800.00 bill but unfortunately I had no coverage then. I would not be without it for future regular visits and I hope there are no more emergencies but with a puppy you never know. I only know he has the best of care and I get money back. He and all other animals deserve it. They are sweet innocents that depend on us to take care of them just like children and I am glad for the opportunity to provide this coverage for my Doxie. The cost of the monthly premium would have been well worth it for the 13 years I had my other Doxie but did not know about the insurance. I would recommend it to anyone with a pet. They deserve good care and depend on you to provide it and with the insurance it is much easier.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Satified Customer

I have been very satisfied with the coverage that I have for my two dogs and one cat. I feel that the coverage that I had was reasonably priced, unfortunately I did have to cancel due to rising economic costs in other areas. Any time that I have contacted customer service I have received a prompt and curteous reply. I know that when I am looking to re-establish coverage for my pets I will return to being a Hartville customer.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

What If Something Happens? How Will You Pay?

After losing my last dog very suddenly to cancer and his last day at the vet cost over $1200. just for diagnosis, and discussing treatment options that we did not do, because his cancer was too far along. I decided to look into pet insurance for my next dog, because I had not thought of being in that position before. The position of being in the emergency vetrinary hospital and overwhelmed with emotion for your beloved animal and then thinking of how in the world are you going to pay for this, and knowing that you would do anything for them because you love them so much.Embrace Pet Insurance has been excellent with my new puppy. I am grateful that I chose this company, and I recommend it to anyone who loves their pet. I tell everyone that I have it, you never know what animals will get into and when they do - you will be glad you have Embrace Pet Insurance!
  • INSURER: Embrace
  • POSTED: 04/11/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

Worst Customer Service in the World

They billed my card for autorenewal, meanwhile I had sent a check not realizing the plan was set up to autorenew. When I got my credit card bill and found out they had billed my card, I thought they had already cashed the check as well. I think I probably tried to call them about it, was on hold a long time and finally gave up on waiting and just filed a dispute on the credit card for the renewal charge. A couple weeks later, I received my uncashed check from them, returned in the mail. So, it was a screw up on both sides. I called my credit card company and cancelled the dispute. They said the charge would go through and I thought the matter was settled. Then, several months later, I got a notice from PetCare saying I had not paid my insurance and my policy had been cancelled. I called customer service 3 times, spending about 20 minutes on hold each time, and talked to two different people, one of whom was a supervisor. He said I just needed to have the credit card company fax proof of payment to him to settle the matter. So, I did that, and called back after it had been done. However, even though they had received the proof of payment from the credit card company, the customer service representatives at Petcare continued to insist that I had not paid them. So then, I wrote a letter to the head of the company, but I got no response. Finally, I contacted a lawyer. After involving the lawyer, I was contacted by a customer service manager from Petcare with whom I was able to settle the matter amicably. This year, they allowed my plan to expire without sending me a renewal notice. Apparently they "don't take checks". That's fine - I'm switching to Petplan.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Friendly customer service

I've only had to submit two claims to Embrace during my year of coverage, but every communication I've had with the staff has been quite pleasant, and I've had no trouble having my claims processed.
  • INSURER: Embrace
  • POSTED: 04/11/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

VERY IMPRESSED!

Luckily our sweet Tess (dog) is quite healthy, but recently she's had a couple of small issues. Filing our very first claim took a bit of time to gather all health information from the time we rescued her, but after Embrace got everything, they paid quickly and paid very fairly! I just filed our second claim and it was paid FAST! We are extremely happy with Embrace. You never know what an insurance company is really about, until you file a claim. Embrace is about "great service" and A+ in my book!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Weimaraner
  • AGE OF PET: 1 - 8

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9

out of 10

Paid really quickly

I had both my cat and dog at the vet for sickness (I'm first non routine claims) and they paid with 15 days--I was so happy---I would highly recommend this company. I just wished they covered a little on the congenital issues I will have with my bulldog, but most companies do not--that is the only reason I am giving a 9 and not a 10
  • INSURER: PetFirst
  • POSTED: 04/04/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

6/23/08

I recently changed from VPI to Embrace. The weekend after my 15 day waiting period was up I noticed something wrong with my pet's eye. A visit to the vet began an on going amount of visits to an eye specialist and neurologist. Embrace had to process my claims and look at previous vet history at the same time, as I was just past the waiting period. They were fast and kept in touch with me the whole while. They paid what the insurance said they would pay in a prompt manner. I am very pleased with them and have recommended them to my vet's office and friends with pets and also added my other dog onto the plan.What a pleasure after dealing with VPI who told me what the vet should have charged and what they would and would not pay. I, too, wish I had know of Embrace earlier.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

PERFECT!

I have been so very pleased with Embrace insurance company. Their correspondence is kind and quick. There are no unwanted surprises! They follow through and do exactly what they say they will do. I am recommending this company to everyone I know, and I will definately use this company for all of my future pet children!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

Preventative and Elective Treatments?

I've been a policy holder for this company for over a year and was impressed with what they claim is covered. However, that is not necessarily the case as I have found out. During my cat's annual examination, my vet advised for tests re kidney function/failure, given my cat's advanced age. Tests were conducted and claim submitted. claim was denied citing "preventative/elective treatment" reason, even though in my policy stated that illnesses of the endocrine system were covered. Here's the catch . . .once an illness has been diagnosed, you probably can claim for treatment of illness, but any tests conducted to diagnose said illness will not be covered, this company says they are "preventative or elective treaments". I have since decided to ensure my pets are never denied coverage for any medical event, test, illness or emergency treatment. I'm now setting aside the premimum amount I was paying to this company plus a little extra monthly to a savings account. :) I would recommend this option to anyone with pets - you'll never have to wonder if something is covered or not.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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