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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.

1

out of 10

Not what is says it is

When my boxer was 6 months old, he hurt his back from the other boxer jumping on him. They did it again a month later. I took my dogs in for shots and he was checked out. No problems. I saw the pamplet for ASPCA insurance, so I got it. 2 months later, my dogs had a fever and sore neck and back. This was totally different from the other episodes. I took him to the vet and after many test found out he had spinal menigitis. When I put in the claims, equaling about $7500, they denied it saying it was pre-existing. There are no records of the dog having pain associated with fever in anywhere. I could not have let my dog go 4 moths with this disease. Then they said it was hereditary also. I found many articles saying it is unknown what triggers this disease and it cannot be classified as hereditary, plus I talk to specialists and other veterinarians, but they still denied my claim. Make sure you know what they consider hereditary, genetic or what other ways they can turn it around to their benefit.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

They are FANTASTIC!!!

I've insured my two Italian Greyhounds with Pets Best for just over a year. Unfortunately, I've had two incidents with my girls that required expensive treatment. In both cases, Pets Best greatly exceeded my expectations wrt speed of claim processing!!! If only human insurance providers were so capable and competent!!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

I wish my own health insurance was so prompt!

Unlike human health insurance companies (oh, how I wish!), Embrace offers attentive, prompt, friendly, and thorough service. However, I do wish there wasn't such a small cap on the Wellness coverage. We got our Cavalier puppy when she was 5 months old, so after 1 vet checkup as our pet, with a few necessary shots and a heartworm medicine purchase (which I haven't yet submitted as of this writing), there isn't much left in the kitty, so to speak. And she'll need a Lyme booster next week, and will be spayed next month. So we'll really be out of pocket this year and our coverage just started! Therefore, while I would recommend Embrace highly for their excellent customer service, as the owner of a puppy, who because of her age (or youth) requires additional basic wellness care (shots, spaying) than an older dog might, The $149 Wellness coverage that reimburses up to a maximum of $200 a year, is not that much of a bargain. Perhaps Embrace might consider adding a "puppy plan" that dog owners can tailor to their needs. :)-
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: Under a year

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10

out of 10

Excellent Alternative Medicine Coverage!

My rescue Aussie began getting itchy a couple months after we first bought an Embrace policy. Soon, she was spending much of her day chewing and licking herself, and often woke us up in the middle of the night with her scratching. We decided to try homeopathic treatment for her itching, and have been very pleased with the progress so far. The itching has decreased dramatically and she is even more active and happy than when we first brought her home. Embrace covered her certified veterinary homeopath's phone consultations in full. I am so glad that there is such an enlightened pet insurance company out there - their coverage let me try a treatment with few side effects that has also turned out to be very effective. They also have quick turnaround time on claims, helpful staff, and wonderful communication with their clients. Just a great company.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Australian Shepherd
  • AGE OF PET: 1 - 8

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5

out of 10

Very good company unless you really need it.

I was one of the first customers with this pet insurance company (my original policy number was 195) starting in 1989. So, over the past 20 years, I have paid a lot in premiums. I had the misfortune of having two diabetic cats in a row. Pet Secure (formerly Pet Plan) did provide excellent service for a lot of years. But, with my last diabetic cat (who also had kidney disease), I started to have a lot of problems. I would have fights with the reps, including one woman who wouldn't let me say a word and was yelling me down. Then my claims started to be paid on a sliding downward scale (down to 50%)as I was making too many claims. Well, I paid 10 years of premiums on that cat with the expectation that if he became ill, his vet bills would be paid. Unfortunately, Pet Secure didn't have the same expectation.
  • INSURER: Petsecure
  • POSTED: 03/24/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

10/10 Absolutely amazing company and people.

My husband and I desperately wanted to get a puppy so we called around, looked online and finally found one. We went to pick her up and fell instantly in love with her. She was a Chug (pug x chihuahua) and the cutest little girl ever! About 2 days after we got her home I brought her to the vet thinking that she might have ear mites. Turned out to be nothing but the vet that we went to see set us up with a trial package for puppy insurance and sent us on our way. About 5 days later Lelo started with vomiting and diarrhea and we took her back to the vet where she was diagnosed with Parvo. The vet told me that it is a very expensive treatment but if we went ahead with treatment she would have an 80% chance of living. So, of course we went ahead with it. Lelo was in the hospital for 7 days. We went in to visit her on a Wednesday. Our vet bill had become outrageous and we couldn't afford to go on any longer with treatment. We went in to say goodbye to her and through tears I said to her "I'm sorry baby, I wish you could tell me what to do... If you want to keep fighting we will." It's the hardest decision to make. After saying "goodbye" we were speaking with the vet and as we were, Lelo stopped breathing. She made the decision for us. Our vet bill by the end of it all was at $7,188.22 and being a student, that's a pretty scary number. PetSecure paid $5000.00. For anyone that is wondering whether or not pet insurance is worth it, I hope this story helps. Although Lelo didn't live I wouldn't have been able to give her a fighting chance without it. Thank you so much PetSecure!
  • INSURER: Petsecure
  • POSTED: 03/24/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

They do exactly as they say!

I have two dogs. One needed patella surgery 2x which is considered congenital. Embrace paid handsomely, just as it stated in the policy. There was no hesitation and no problems. They just paid all claims. Amazing, when you hear so much about rip off companies--this company is great! I will always use them if I have pets. My other dog is healthy but you never know. What if I didn't have this coverage, I would be in so much debt. I recommend Embrace to anyone who loves their pups, cats, etc. There is no choice for me. And their customer service is fantastic-everyone is so polite, and helpful-it's like they all have stock in the company. I wish every company was run like this one.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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3

out of 10

Assessment still in progress

I have never had pet insurance before, but on the advice of friends, I decided to give it a try. I purchased Pets Best insurance (the basic plan) for my six rescue dogs. I submitted my first claim after one of my dogs had a sudden illness that was resolved after treatment over a two week period. After submitting my claim, I called Pets Best to find out whether everything was in order and was told that it was, that Pets Best would be contacting my veterinarian for medical records on my dog. Roughly two weeks later, I received an email that my claim had been processed and that I would receive a letter in 7-10 days with any eligible payment. I went online to find out what the what the disposition of my claim was and found that my claim had been declined. When I called it turns out that Pets Best declined my claim because the scanned credit card receipt was covering the Vet hospital name on the invoice(even though the name was on other pages). When I spoke to the customer service agent, she said that I would have to resubmit the claim. She also said that I would need to send my dog's veterinary record for one year. I said I had been told that they were contacting my vet and I asked why they did not tell me about the receipt and the medical record but merely declined my claim. She said they did not always have to have the vet record and they wanted to cut down on paperwork. I have resubmitted the claim, now a new claim since the first was denied. So, I am still waiting to find out whether I will keep Pets Best. My comment: It would have required very little for them to contact me, especially after I asked, and allow me to rescan the invoice without the credit card receipt on it and to inform me that I needed to send the vet record. So, at this point my assessment is poor. I will wait to make a final decision on continuing with Pets Best based on whether they pay my legitimate claim and whether there is further delay or prevarication regarding it.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

I am quite pleased 3/17/09

My dog's claim was paid to my approval . Initally I had a problem which was due to my vet. not detailing my dogs condition adequately. After discussing. the issue with an Embracer, I followed the suggestion. I appealed the case. My issue was resolved my ciaim was paid and we are happy. Thank you for your speedy resolution.My friend is planning to add a puppy to her family I recommended Pet Embrace to her.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Friendly & Knowledgeable Cust Srvc in the USA!

Being in the "customer service" world for many years, I know how important it is for companies to receive feedback about their products and service and they need to know which agents are representing them well. The agent I spoke with the other day (Vickie) was both friendly and knowledgeable and I really appreciate that. I also appreciate any company that keeps jobs in the United States!!! When will the other companies realize that you get what you pay for? Yes, a company may be able to save some money on hourly employees by shipping jobs overseas, but the quality is just not there. It's nothing personal, those folks just want to work and I don't begrudge them that, however, again, if the service isn't being provided and there's also a communication difficulty, it just isn't a good customer experience. I go out of my way to work with companies that keep jobs here, whenever possible. I digress; my main point is that I think Vickie is a keeper! Now, with all that being said, I'm about to make a claim and I hope that I can still rate a "10" after. My dog started limping and I took her the next day to her long-time veterinarian, who advised that she needs surgery on her back leg! Turns out that what she has falls under one of the provisions that isn't covered until your policy has been in effect for a year and - thank God - this situation occurred about a week or ten days after that one year mark. Whew! However, I hope we're not going to have a problem and I'll be back on this board to advise anyone who's interested as to the outcome. Thanks so much - Goldie
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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