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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

Wouldn't go without it!

My min-pin was bit by something as a puppy and at that time we didn't have insurance. I was out $2400 but it saved his life. At that time, my wife and I decided to purchase pet insurance and ASPCA was recommended by our vet. 2 years later, my same min-pin was bitten by a coyote and almost died. The vets saved his life again, but this time we had pet insurance. The vet bill was $1700, but we only paid $400. Thank you ASPCA, we wouldn't go without pet insurance again.
  • INSURER: ASPCA
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Disappointed and frustrated

My experience was not unlike the stories one hears about people trying to get insurance companies to pay out on human health insurance claims. I ended up wasting time with appeals and feeling utterly cheated and frustrated. The argument they made was that, because two illnesses share certain symptoms, the 2nd illness was simply a "pre-existing" condition from the day the first one manifested itself. While this is difficult to prove or disprove, it disappointed me that they were unreceptive to my vet's professional opinion that they were separate diagnoses. All in all, I felt that I simply handed the insurance company money and got nothing but aggravation when I needed them. I didn't get a dime back from them for either of the illnesses. Profits over pets, I assume.
  • INSURER: ASPCA
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Best pet insurance I have found!

Fast adjusting of claims; no surprises on coverage; everything as advertised. Great coverage!
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED: Bichon Frise
  • AGE OF PET: 1 - 8

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7

out of 10

They are okay.

This may be my bad, but when I got my dog coverage and we discovered he had heart troubles, we thought as long as we kept the policy renewed, he would be covered. Not so. However, they did pay all other requests on time and without trouble.
  • INSURER: PetFirst
  • POSTED: 09/05/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: Over 8 years

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10

out of 10

Best Pet Insurance is Trupanion

I had researched pet insurance for quite awhile before I came across Trupanion. I got an Aussie puppy in September and wanted to make sure I had adequate coverage for this very active breed. Trupanion seemed like the right fit for several reasons. First, they cover the ACTUAL vet bill and not some predetermined amount designated by the area you live in. People that post bad reviews may not realize what they are signing up for. If you know what Trupanion covers you WILL NOT be disappointed. They don't cover the office visit fee which we knew when signing up. Coverage begins after 30 days upon signing up. You can deterimine your copay, the most is 90% coverage, which I elected for. Pet insurance is NOT for routine maintenance such as vaccinations, spaying/neutering or check-ups...it is for injuries and illness and I assure you if your pet has had either, Trupanion WILL cover it. In the past 7 months I have submitted 3 claims (2 for bladder infections and 1 for an emergency visit), all of which have been approved and checks sent within a week! This is amazing insurance. Overall for those 3 claims Trupanion has reimbursed me for over $700 in vet bills and the process of submitting claims was very simple. Customer service is very nice and friendly and they even left messages if more information was needed for a claim. If you know what you are signing up for you will not be disappointed...Trupanion is really amazing. I highly recommend them and will remain a loyal customer.
  • INSURER: Trupanion US
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

ASPCA

I have been very satisfied with my ASPCA Pet Insurance so far. I have had one major claim and it was paid promptly and within the terms of coverage, with no problems. Last year it was the same thing for just routine charges at the vet. You can't afford to be without it.
  • INSURER: ASPCA
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Great insurer. Actually stands behind its promises

Embrace is a gem. They stand behind their promises made in their quote and policy wording. Their claims handling process is personal (I wish health care insurers treated policyholders the way Embrace does). I had VPI for two years and they didn't pay a penny in clams. Now THEY are like health care insurers; always finding some reason to deny. My vet was shocked and kept urging me to switch to Embrace based on experiences of her other clients. I'm glad I did. I studied hard about Embrace before switching and this website was quite helpful to me in making the switch. My advice to everyone - READ THE QUOTE VERY CAREFULLY and ask questions, lots of questions, and get the answers in writing. An insurance policy is a promise to pay for a covered loss and Embrace does just that!
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Very impressed with the service.

Our first claim was handled quickly and professionally. I was pleased with the service and the follow up from Embrace. I am very pleased I chose Embrace.
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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4

out of 10

Not competive

Had this Pet insurance for 4+ years and when money was tight another reputable pet insurance came along offering the same insurance benefits Pets Best would not match the offer to retain our business relationship. Once policy was canceled before billing date I was charged in my bank and had a hassle to get my money back. Claims were paid in timely matter however the deductibles were very high and insurance only really makes sense if only something SERIOUS happens.
  • INSURER: Pets Best
  • POSTED: 09/05/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Pets Best is the real deal

Pets Best has incredibly affordable rates, a very simple and straightforward reimbursement plan, and pays claims within 5-10 days for all the claims I have had. Previously I had insurance through VPI, but they were a joke. Theynlimited payments to an annual maximum per type of issue (ie urinary infection) and their limited pay amounts were LESS than a vet charged for even a single incident. I was very soured on insurance due to VPI but now I highly recommend Pets Best to all of my friends.
  • INSURER: Pets Best
  • POSTED: 09/05/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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