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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.

8

out of 10

Pet first covered my dogs broken leg

My Dog Skyler broke his leg and I had him covered under the emergency plan where he has to be lost for them to cover the injury. I never thought I would need to use the insurance but sure enough Skyler broke his leg after escaping the yard and jumping the wallwhich resulted in a completely broken leg. Skyler was then treated with a $3500 bill. I called pet first and sent my documents. At first they denied the claim because they needed more info/proof that skyler was lost. I got them the proof and wallah! They mailed me a $3,000 check (my limit coverage) and paid me no other questions asked. Thank you pet first!!! -Aaron in Arizona
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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3

out of 10

Misleading; why get insurance if it covers nothing

I am very disappointed. Both of my 11 yr old cats are new to Embrace. In total it costs me 540+ dollars to cover them for a year. As they are older, you would not allow their illnesses to be covered. It would have been more economical to use that money to directly pay out of pocket vet bills than to pay for both the insurance and the vet bills. I think initially, you had false advertising...and I was mislead. I certainly am not going to get your insurance next year.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

very caring and paid out on claims in a timely man

Our dog Bailey had three operations and ASPCA Ins helped us to be able to provide the best care for our Bailey.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

The Unique and Personal Approach

I am from Vancouver, BC Canada so I used to have policy with Vet Insurance in Canada with my last dog Pepper, the beagle. Pepper went through so many health problems and had a couple of big operations. When Pepper was 8 years old, I was newly divorced and hard to keep up with his medical bills everytime he needed vet care. Vet Insurance was the only pet isurance company accepted my application for enrollment although the others denied my application because Pepper was too old. He had two big life threatening surgeries, and one was spleen rupture when Pepper was 10. My bills was astonomical. However, thanks to Vet Insurance, it was 90% covered, and I didn't have to worry about going broke. Instead, I was able to focus on taking care of him. I give a huge credit to Vet Insurance for helping Pepper prolong his life and live happy, not to mention give me peace of mind. He passed away last year, but our vet told me it was miracle that he outlived 5 more years of borrowing time after the big surgery. During late years of Pepper, I was re-married and moved to US. After Pepper's passing, we thought we would never have another pet because of dealing with pet's loss. My husband was surfing Craigslist to look for something else and found ad for beagle puppy for adoption. We called up the original ownder and met the puppy. We fell in love with him instanteneously. That was not our plan to have another pet, but we could not help ourselves. He was born on Halloween and we picked him up on Friday the 13th (of February) so we re-named him Lucky for good luck. He is a loving happy dog. Thanks to wonderful experience with Vet Insurance I knew I have to get insurance for him so I began to research for pet insurance company in US. And I was so extatic to find out that Vet Insurance opened a company for US market called Trupanion. I knew Trupanion will give me great coverage at very competitive rate as well as excellent customer service just like Vet Insruance. And I was right. Trupanion offer very unique coverage that fits to anybody's budget and circumstances. Very simple to file claim and fast to get reinbursement check. And they will personally take good care of you. They follow up each claim and keep you updated by calls and e-mails. The representatives are very sinsere and care about you and your pets. I am very happy with Trupanion. Lucky is just a puppy, and he has many years to go so I am very confident that through Trupanion, we can provide him the best medical care without any finincial stress from big expenses when unexpected illness or accident occurs in the future. With Trupanion, we can keep Lucky happy and waggling his tail for a long time. In my opinion, Vet Insurance / Trupanion is the best in the market. I recommend to all my friends and family. If you have older pets, it is not too late to enroll. Please protect your pet and be stress free from enexpected future medical expenses for your pet with Trupanion.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Slow claim service

I've submitted several claims (the oldest dating back to late August, more than 5 weeks ago) and have yet to receive resolution on any of them. They did not make good on their promise of a 15-day response and they have not been very communicative. Each time I inquire about the status of the claims I hear that they are very busy, they're sorry, etc. I chose Embrace largely due to the positive reviews I saw on this site. I have yet to see anything to support those reviews.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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5

out of 10

I don't know if I can recommend you.

My dog got a bacteria called pseudomonas, it is the most resistant to antibiotics. It comes from dirt this then caused him to have bronchitis and Embrace declared it was genetic and paid $63, out of $3000 in bills. I had bronchitis every spring as a kid it was not genetic and it went away. I am considering if I need insurance.I'm not a happy client, I feel deceived. I figure if he breaks his leg they will find some way to declare that a genetic disease.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Very good company

I would definitely recommend Embrace. I've told all of my friends that are pet owners about it. The premium is very reasonable, and I feel that this is worth my money. I've only had to file 1 claim so far, and they were very prompt and professional and answered all of my questions.
  • INSURER: Embrace
  • POSTED: 04/10/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Great Service

I decided to give Embrace my business primarily because of the personal service they provided. I emailed questions and got immediate responses; I emailed the CEO and she called me! I particularly like being able to customize the coverage I want for my 3 dogs, and the pricing is extremely competitive. Super website makes it easy to find information and get in contact with a real person.
  • INSURER: Embrace
  • POSTED: 04/10/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

My first claim experience

I had my first claim with Embrace and it was handled well. They said it would be done within 10 days. Since my claim needed more information, they did notify to say that my claim may take a little longer. I found that to be helpful.
  • INSURER: Embrace
  • POSTED: 04/10/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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3

out of 10

Watch out!

I haven't had to use this yet, but I just noticed that hereditary/congenital conditions are not covered, adn also there is no continuous coverage on chronic conditions. THIS IS A BIG RED FLAG. I'm going to shop for something better.
  • INSURER: PetFirst
  • POSTED: 03/24/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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