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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

Worthless

Demanding complete medical history for each claim even though they already have it. Pay for medication only not the treatment costs.
  • INSURER: Healthy Paws
  • POSTED: 05/03/2021
  • BY:
  • BREED: Mixed Breed Medium (20-70 Lbs)
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Great insurance and very helpful service

Embrace has covered all of Simon’s needs for several years now. As he gets older it’s nice to know they have our back and genuinely care.
  • INSURER: Embrace
  • POSTED: 04/30/2021
  • BY:
  • BREED: Labrador Retriever (Yellow)
  • AGE OF PET: Over 8 years

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3

out of 10

Dont get it.

The point of pet insurance is to help in financial situations you could not otherwise afford. You have to front the coat of the entire procedure, and then wait for reimbursement which for all the my multiple claims has taken a month of longer. They’ll send you emails saying sorry it’s taking so long but I’ve received those the past two years for al my claims and it’s not getting better. I’ve had to appeal multiple times to cover a claim that I pay for that they said they wouldn’t recover even though it should have been covered so after appealing they take an additional 10% out of the money they should have given you. All in all if I could switch to trupanion I would do it but I’m stuck with this and I hate it and find it so frustrating every time I have to submit a claim. Is it better than not having insurance, yes but through the stress of a sick pet and then trying getting the money you need to feed yourself back and waiting months at a time just isn’t worth it. Pay the extra money a month for a difference insurance and be less stressed.
  • INSURER: Pets Best
  • POSTED: 09/28/2021
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

We have used many pet insurance companies. Healthy Paws is the best, most professional of all.

This is the best coverage, honorable, timely, reliable and monthly premiums fairly priced. The customer service agents very informed and sensitive. Our Cooper would not be alive had we not had Healthy Paws Insurance.
  • INSURER: Healthy Paws
  • POSTED: 04/30/2021
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Best pet insurance around!

Healthy Paws has an app that lets you take a snapshot of the medical bill and submit. It is a very uncomplicated process and the claim is turned around quickly. One time I didn’t provide enough information and Healthy Paws contacted my vets office without bothering me. They also follow-up to see how your pet is doing.
  • INSURER: Healthy Paws
  • POSTED: 05/01/2021
  • BY:
  • BREED: Mixed Breed Medium (20-70 Lbs)
  • AGE OF PET: 1 - 8

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8

out of 10

PetInsuranceReview recommened

Quick to Judge, Yet Just as Quick to Set Things Right

I have had Embrace only a few short months and really put them through their paces with lots of questions before I signed up, all of which were answered both timely and completely by their representative responding over email. That gave me confidence that they were a company that put their insured pups, so on, first. However, following my pup’s initial exam our vet disclosed to Embrace the discovery of a typical (e.g. associated with pups) mass on the top of her head, a histiocytoma, which they explained would exclude her from being covered for all cancers in the future. I was aghast at that prospect and was on the verge of dropping Embrace totally. Until they let me know and then allowed our vet to write an appeal letter for the mass to explain further that in her opinion it was not cancer when she first evaluated it and would not turn into cancer in the future and, in fact, four weeks later it had resolved itself completely. Approximately one week later Embrace came back with some modification on future masses where they would no longer treat/equate future histiocytomas with masses later identified as cancer So while our pups’ future histiocytomas would be treated as pre-existing, they would no longer exclude any future masses, cancerous or otherwise, from being covered by our policy. To be sure this was a relief. So, a mixed score for my relationship with Embrace so far that is, as they were quick to judge the type of skin mass they would not cover in the future (somehow equating it with cancer, where there had been no such proof of this at all), yet just as quick to take up my appeal and grant some relief, modification of our coverage and a detailed explanation of how and why to accompany their decision back to me. So, take from that what you will but know it is better to have some kind of pet insurance, for sure, than none.
  • INSURER: Embrace
  • POSTED: 08/22/2021
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Well worth the monthly payment

I highly recommend this company. Sending claims is easy and the reimbursements are great and as I feel anything helps.
  • INSURER: PetFirst
  • POSTED: 04/29/2021
  • BY:
  • BREED: Pit Bull
  • AGE OF PET: 1 - 8

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2

out of 10

Not worth it.

Usually have to appeal decisions. They will find reasons not to cover. Covers per incident and will find reason to claim each incident is unrelated. Example...Giardia. Covered in 2019. No premium paid as deductible was not met. Ok. Accepted. Exact symptoms in 2021. Treated with same meds prescribed in 2019 (successfully) for Giardia although no cysts were found in fecal. They are not always found due to life cycle and shedding of Giardia cysts. Claim denied. Reason, vomiting diarrhea can be caused by anything including cancer so not covered. This was not first denial. They will say rates aren’t increased annually due to age of dog as if that is a positive. Perhaps this is true but they do definitely increase annually due to annual increase in vet fees. They don’t cover vet fees. Examination fees are not covered. Paid out about 7000 in premiums not including annual premium increases which has gone up from about 53 to 81 monthly. Recovered about 2600 of that in payable claims. They are quick to process claims and to respond on the positive side even if it is a claim denial you gave to appeal. Won’t fight with them over this one, considering cancelling.

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10

out of 10

PetInsuranceReview recommened

Healthy Paws was there for us!

I've had dogs all my life, and this is the first time I've purchased pet insurance. As a volunteer for a dog rescue, I had the opportunity to poll my colleagues about the pros/cons of insurance, as well as which companies they'd recommend, if any. They informed me about a number of companies, and Healthy Paws' reviews definitely came out above the rest. Ellie Dee ended up at the emergency vet (on a Sunday!) for two days and nights one month ago. I contacted Healthy Paws, and they kept in contact, answering my questions, etc., as needed. The process and paperwork for my claim were very clear. Healthy Paws staff sent me a number of emails to check on Ellie Dee even after she'd been home for a few weeks! I was very pleased with the quick arrival of my refund check from Healthy Paws. There were no surprises during this process; I highly recommend this group!
  • INSURER: Healthy Paws
  • POSTED: 04/29/2021
  • BY:
  • BREED: Mixed Breed Medium (20-70 Lbs)
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

healthy paws saved my bank account in a really stressful situation

A few close friends got together to celebrate one of our birthdays. What was a delightful and casual little get together became my worst nightmare when a balloon popped and startled my new affenpinscher pup. She jumped off my lap and broke her arm. I scooped her up as quickly as I could and rushed to the emergency vet. My poor girl was in so much pain and I was so disappointed in myself that I could let something like this happen to her. Luckily the emergency vet we took her to is AMAZING and super compassionate which eased my stress, but they can't waive a 6k bill when your puppy breaks two bones and needs surgery to insert a plate and screws into her tiny arm. I put it on my credit card and started to panic thinking I didn't "do my pet insurance right"... Are there prerequisites that I didn't meet? Will this not be covered? I submitted my claim through their website via the claims portal. I received some emails that I needed to provide medical records. I provided everything I had, but they asked for more. I started to panic more that this expensive event wouldn't be covered, but after submitting everything I had, I emailed and said that she was a puppy and had only been to the vet a few times. I received a nice email back saying she would let the claims department know. After that, I received an email that my claim was being processed and a few days later I had $4000 in my bank account. I couldn't believe it, but they covered every single thing they said they would. Honestly I wish my health insurance was this clear and easy. I have recommended healthy paws to everyone I know with a pet. I am incredibly happy that they were there for me in a really stressful time.
  • INSURER: Healthy Paws
  • POSTED: 04/29/2021
  • BY:
  • BREED: Affenpinscher
  • AGE OF PET: Under a year

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