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.
Don't Expect to Have Anything Covered, or to Hear Back in Any Time Frame
We have had Pet's Best for ~1.5 years and have made 3 claims thus far for our puppy the same age as the policy. At this point, I have no clue what Pet's Best actually covers and beginning to ask myself why I even have insurance through them. It takes over 6 weeks to get a claim through! During that time, no communication of the status, even if you try to reach out. When the claim finally goes through, the explanation of what was covered and what wasn't is abysmal, not to mention the fact that they cover next to nothing. 3 claims and they have covered ~10% in total. We have the BestBenefit - Unlimited Annual Limit and the EssentialWellness coverage. In our pup's annual check-up and vaccination, they did not cover the Influenza, Bordetella, Borrelia (Lyme) or Leptospira vaccines. At this point I'm paying Pet's Best to file claims and tell me more than half isn't covered.
Our four year old German Shorthaired Pointer has been insured with Healthy Paws since the beginning and I must say, they are good. He had to undergo a bronchosopy and CT scan recently and Healthy Paws was great about paying their portion to our vet very quickly. Other claims, that we pay for out of pocket and are reimbursed for, are reimbursed usually within 24h. Much better insurance experience than I've had with homeowners or car or health.
We decided to get pet insurance upon our purchase of a new puppy. Our older dog had passed away, after suffering a lingering illness, and the expense of her care until she passed was daunting. One never knows when or if you will need insurance, but the peace of mind alone is worth it. As fate would have it, my 18 month old dog ended up needing emergency bladder surgery and we were able to utilize our pet insurance for the first time. Our bill was over $2,400 and after our deductible, Embrace paid the entire claim....no questions asked. WHAT A RELIEF! After our pup came home we ran into a few medical issues late on a Friday night and found out that Embrace offers a "Vet on call" service! We were able to request a call back and in less than 10 minutes, we were on the phone discussing our concerns with the Embrace Veterinary doctor. I can't say enough good things for Embrace's service, claim processing, phone app and ease of use. Would most DEFINITELY recommend them to anyone looking for pet insurance!
I'm so thankful for Trupanion Dog Ins. It's a comfort to know when my dog is ill and I will have large vet bills I will get some money back. Recently my little dog was ill and in the hospital for 3 days. It was so easy to file a claim on-line with just the invoice from the Vet. Once submitted Trupanion provided text and emails updates and processed my claim within a few days. The money was directly deposited into my checking account. I would highly recommend Trupanion!