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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.

9

out of 10

Great for young dogs too

I insured my 6-month-old Chihuahua/terrier mix right from the start, even though she is a healthy, young pup. Perhaps I had learned my lesson from a previous pet who fell ill when I was unemployed. I felt so helpless and went into debt because as a pet parent, I tried to do all that I can for my then Shih Tzu, who later died after being hospitalized for a week. Needless to say, I never want to be in that place again. I weeped every time I went into the animal hospital to pay for the remaining bill, which my vet was nice enough to offer me an installment plan. This is my first pet with insurance, and I'm learning the benefits as we go. We're less than one year into the policy, and I've filed about 5 claims from booster shots, annual checkup to upset stomach and surgery to get spayed. Sure, not everything is covered under my plan and some misc. items such as waste disposal fee and some blood tests are not covered. But having said that, it has more than paid for itself for a peace of mind that is priceless. I met my deductible 6 months into the plan, and I'm a firm believer now and I plan on renewing pet insurance next year. I wanted to write this so it may help someone in need too. As for ASPCA, the agents on the phone have all been very personable. I have a great experience with them because they understand my needs. Check it out for yourself and see what plans right for your pet. Mine's a level 3 wellness plan and I feel it's sufficient for a young, healthy pe
  • INSURER: ASPCA
  • POSTED: 09/05/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: Under a year

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10

out of 10

They Did What They Advertised They'd Do

In August my 12 year old cat became infected with T. foetus, he was very ill for several weeks before the eventual diagnosis. His vets bills escalated as he required SQ fluids, X-rays, blood tests and liver and thyroid function tests. This was the first claim I had submitted for my cat in the 3-4 years I have had him insured with Petsecure. I sent the relevant paperwork in with a slight degree of uncertainty as to whether I would hit the usual "insurance company brick wall". I need not have worried, Petsecure paid the full amount I claimed for (which was total cost of treatment minus deductible and co-insurance) within 7 business days. No questions asked. My cat is slowly getting back to his old self, he has follow tests scheduled shortly and I am confident these too will be covered by Petsecure. The name says it all, you're pet really is secure with this company!
  • INSURER: Petsecure
  • POSTED: 04/04/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Great Pet Insurance Carrier

I cannot say enough about how much I like this company. We had a bit of information missing when we filed our claim and Embrace took it upon themselves to call the vets' offices to get it. From that point Carrie, from Embrace, kept us informed all along the way. She was wonderful. We are planning to get another pet within the next few months and will use Embrace for our pet insurance carrier.
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Extremely Pleased with Trupanion

I had a 4 month old toy poodle who suddenly became sick and was diagnosed with liver failure, cause unknown. Unfortunately, she passed on 3 days later. The claim was submitted by the veterinarian and within 5 days, I was notified the claim had been approved and the check was on its way via Fed-Ex. My daughter gave me another 10 week old puppy and I immediately signed her up with Trupanion. The people at Trupanion were so kind and helpful, and I couldn't be happier.
  • INSURER: Trupanion US
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Great First Impression

I just signed up with Embrace for my 2 1/2 year old Havanese. So far, I have been very impressed with the customer service I have received. I have just recently gotten my policy and have not yet had to file a claim, however I feel when the time comes, all will go well.I would highly recommend.
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Disappointing interaction (s) with Pets Best

I am saddened to say that I have experienced a couple of disappointing customer service interactions with Pets Best. For the past 2-3 years, we have insured two of our family dogs with this company. A 5 year old Jack Russell and a 12 year old collie. As expected, our 12 year old collie has been experiencing arthritic symptoms. Pets Best has denied claims that they felt were related to this diagnosis. They stated that his diagnosis was pre-existing before implementation of the policy, when it wasn't. Recently, I had decided to discontinue service with this company, because of claims being submitted and not being covered as expected. On Friday, 09 Oct 09, I decided to call them to see if I could continue the policy and make a premium payment (as recommended by them via an email message). I was told that that policy had expired; so I established a new policy. On Saturday, 10 Oct 09, our collie's arthritic symptoms worsened, so we took him in for a veterinarian appointment. We have now been informed that his condition isn't related to arthitis, but requires a neurology consultation. This afternoon, I spoke with two female representatives from Pets Best and provided them with the information that we had received. They informed me that regardless of when his neurology appointment is scheduled and the diagnosis received, his condition will not be covered; because he was experiencing symptoms before the 14-day coverage period. This is disappointing because, after years of being a customer, I didn't feel that they had our pet's best interest at heart. It seemed to be a "just business" interaction. What happened to their motto, "We care about you and your pet"?
  • INSURER: Pets Best
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

very pleased with Pets Best

I just wanted to make a comment to thank everyone at Pets Best for the wonderful customer service I have received since I began my policy for my 2 pups back in January. I am living on a limited income being an employee at one of the few still standing mortgage companies and having no pay increase in 2 years. My dogs are my pride and joy and recently have experienced a few different types of unexpected illnesses. Knowing that I have the security that Pets Best will help with covering those medical bills has been such a huge relief. I had a few people suggest that I give up my dogs to save money but I am sure as you know working at a company that supports an animals well being these “dogs” are my children not just disposable pets. Anyhow I really just wanted to say thank you from the bottom of my heart because I have dealt with other companies that do not come close to your turn times and expertise not to mention you guys actually CARE! Thank you again!!!
  • INSURER: Pets Best
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Knowledgable

I also had a terrible experience w/VPI after a few years with them. I am a certified medical coder so know all to well insurance terminology and coverage issues. I have submitted a couple of claims and have been taken care of in a timely fashion. I am comfortable with their expertise and I also admire their concern with my beloved pets!! Yes, Pets with an "S"
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Worth Having

This is the second time I have reviewed this company. I am excited to say that I have been pleased with some of the changes they have implemented. Initially I gave them a low score of 2. This was heavily influenced by claims processing time exceeding what was listed on their site. I also thought that I would not be doing business with them even a year later. So, what's changed mind? These things... I was impressed by the fact that a representative of the company saw my initial review and personally contacted me via email thanking me for my review and letting me know that at any time they are happy to listen to my concerns. A good company will go where the customers are and look for ways to improve their customer's experience. They have improved billing by not requiring two months premium when starting a policy and now offer a plan where your payment remains the same. For a minor fee, your pet's rate remains the same until age 10 (I believe). They could further improve this by averaging premiums on a yearly basis regardless of the age of the pet, but they are moving in the right direction. They have updated their web site to accurately reflect the length of the claims process. In all the times I have filed claims, absolutely no surprises or denials. They have always paid their 80% after deductible. Recently my oldest cat was not doing well and when I took him in for examination, the vet discovered a heart murmur. We had xrays, ultrasound, electrocardiogram and a blood panel done to aid in diagnosis. I was very pleased to have deposited my check for $398 out of the $600+ spent on these procedures. The turn around time seems to have improved over a year ago and took about ten business days from filing the claim via email to having the check in hand., Much, much better. They also sent email acknowledgments to let me know they had received the claim and again to let me know they were processing it. I tried another insurer first with my new kitten then with two other cats for several months. I did not cancel my Pets Best policies during this testing. There were surprises when it came to paying out claims and ultimately I don't need any surprises when one of my cats gets sick. No surprises from Pets Best. My final comment is regarding the wellness plan. You should know that if you sign up for wellness and cancel the plan you must wait one year before you can sign up again. It also states in the policy that if you cancel the wellness, they may decide to cancel your accident/illness as well. I don't know what one has to do with the other, but this should be changed. To be clear, they did NOT cancel my plan when I discontinued the wellness, but knowing that they reserve the right to do so is why I am reluctant to sign up for wellness again. If you have multiple pets, it is probably best to sign up for wellness one at a time. I have six cats and when one got very ill, I was unable to proceed with the regular wellness for the others until his bills were resolved. I feel this company is making every effort to listen to it's customer's and improve the quality of their products and service. If they continue on like this, I have every confidence I will be a happy customer for the life of my pets. I have and do recommend them to friends with confidence. In my experience they offer great value and relief with minimal surprises when it's time to pay claims.
  • INSURER: Pets Best
  • POSTED: 04/06/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

A pleasure doing business

My entire experience with Embrace has been fanatstic. They stand head and shoulders over VPI. Contact response time has been fast and personal. Their detailed explanations have been clear and easy to understand as is the website where they have everything needed to make an informed decision.
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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