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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

So Far So Good

My dog just got his teeth cleaned and some small warts removed and ASPCA paid 80% as advertised. Although certain charges are paid only to the maximum allowance, I am not sure if any one ever knows what the allowance is. Yet the process took about 2 weeks from the date I faxed in my claim to the time I received my reimbursement. One thing I like about them is that they will email you once the claim is processed; communication is a key.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bichon Frise
  • AGE OF PET: 1 - 8

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7

out of 10

Yes, on Pet Insurance

I was happy that I had bitten the bullet a few years back, and bought pet insurance for my Australian Shepherd, Nellie. I didn't have it when I had to come up with $4,000 for her ACL surgery. 80% of that would have been helpful. Nor did I have it on Bravo when he was diagnosed with Lymphoma. I never added up the costs of 15 months of chemo. Nellie required surgery recently, which came to $1,400. The reimbursement of 80% of the cost came very quickly and without question. I'm sold on pet insurance.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Australian Shepherd
  • AGE OF PET: Over 8 years

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10

out of 10

Pleasantly surprised

I was very hesitant to get pet insurance, but after having a poodle that lived to be 18, I decided it would be the best idea with our new Chihuahua. After reviewing the other insurances out there, I did the math and Embrace with 10% co-pay and a $200 deductible seemed to pay for itself with only 3-4 vet visits per year. I also added the Wellness plan, it's like getting $50 back free. Plus they have a lot of nice reviews and only one bad one that I could find. I received an email telling me that I needed a vet's exam to start the insurance coverage, so I thought "Oh boy, here goes! This is the FINE PRINT!" So I took Nutmeg in, and had the vet fill out the forms, as well as give her 2nd puppy shots. I submitted it, thinking that they would kick it back, because it was the initial exam. But to my surprise, they paid the entire thing! Quickly and with nice sincere emails that did not seem to be forms, but really written by a human. We'll see how it goes in the future, but they are starting out great.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: Under a year

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7

out of 10

Good so far.

I have two Bostin Terriers and they are quit active.Since we adopted them, we have had a few issues, from a scratched eye on one to bowel obstruction on the other. So far, ASPCA has covered all. It has been nice to not worry too much about vet bills. The only thing that my policy states is that if there is a pre-existing/recurring illness or injury that exists prior to the plan period effective date and has not had 180 days since diagnosis, cure and last treatment, they will not cover it. Also, multiple incidents of foreign object ingestion in a 12 month period. Hopefully I do not run into this problem. Other then that, I have been very satisfied.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Boston Terrier
  • AGE OF PET: Under a year

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8

out of 10

worthwhile

don't cover all of er expenses, but we have had a lot of claims in the last year- 2 from dog bites b/c my inconsiderate neighbors let their dogs roam off leash unnattended! We were glad to have some reimbursement- also help[ed with end of life treatment for our 15 yr old cat
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siamese
  • AGE OF PET: Over 8 years

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9

out of 10

First Embrace Claim Went Smoothly

I have just filed my first Embrace claim and felt the process went smoothly. There were some delays due to the need to obtain prior care information from several sources but not due to Embrace's lack of response. The Embrace customer service team was outstanding, always responding promptly and keeping me informed.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: 1 - 8

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10

out of 10

Awesome Company!

After knowing people who had major medical expenses for their pets, I researched pet insurance companies at the same time I was researching breeders. Fortunatley, I found this website and Embrace Pet Insurance. I have had my labrador retreiver insured with Embrace since I brought her home from the breeder. Unfortunately, my lab hurt her knee and needed surgery and rehab. Fortunately, I have Embrace Pet Insurance. Every time I have had any contact with Embrace, it has been extremely professional, helpful, friendly, and caring. I receive an email when my claims have been received and when it has been processed. All claims have been promptly addressed and when I have called them, the reps are wonderful. I tell everyone about how happy I am that I chose Embrace to insure my lab and I highly recommend them to everyone who asks about pet insurance - which is pretty much everyone when they find out what happened to my dog because it could happen to anyone's dog.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Will NEVER be without it!!

After having lost one of our dogs,who we always consider one of the family,due to the fact that we could not perform multiple tests to determine what was wrong with her and had to put her to sleep...I will NEVER again be without pet insurance!! I feel horribly guilty to this day and it was five years ago. We have one of her puppies who is now a twelve and a half year old springer. A year and a half ago he had to have a squamos cell cancer removed from inside his lip and 16 treatments of radiation. Eight thousand dollar occurance!! We were able to do it because we paid each treatment by the week and Pets Best reimbursed us so quickly that we were able to keep up. Now he has a torn ACL in one knee and has been getting water therapy but will most probably end up with surgery because it won't heal on its own. Pets Best is extremely affordable, fair and timely. I can't recommend them more highly. I feel so strongly about them that I carry their pamphlets around in my glove box of my car so I can hand them out to others that so love their pet too. A MUST HAVE!!!!!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Springer Spaniel
  • AGE OF PET: Over 8 years

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10

out of 10

Great

They made a hard time as easy and simple as could be. Highly recommended.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent

I never thought the following words would pass my lips about an insurance company: they are wonderful. Our 8 month old lab mix puppy just had surgery for elbow dysplasia, and numerous X-rays and an MRI were needed in order to diagnose this. The total was more than 6000 dollars. Getting the money refunded was incredibly easy and hassle-free and I would recommend this insurance to anyone in a heartbeat. One thing, when you sign up you have a limited number of time to add hip dysplasia for a small fee each month. It seemed crazy to do this for a puppy but now we wish that we'd signed up for it (no problem getting the elbow dysplasia covered, though).
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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