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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

They make it seem like they will cover things, when in fact, they don't.

I bought this insurance because it seemed as though they would cover a wide variety of things. After purchasing a year's worth of insurance at once and filing a claim a bit afterwards, I had to wait for over a month to hear anything about my claims. My vet sent over my pet's records, and Pet's Best said they were waiting to receive it for a while, so I had to wait longer for it to get sent again or for it to go through, I don't even know what happened. Once I received a verdict, it turns out EVERYTHING was denied, including things that I was lead to believe would be covered, like wellness exams. Some things made sense, like certain supplements and what not, but everything? It appears that they don't cover anything at all unless things fall into place in an incredibly specific way, which is really unrealistic. Also, if your pet is over a certain age, you're doomed, this insurance is useless. I regret buying this insurance and don't recommend it to anyone.
  • INSURER: Pets Best
  • POSTED: 02/04/2021
  • BY:
  • BREED: Persian
  • AGE OF PET: Over 8 years

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1

out of 10

BUYER BEWARE! This company is a fraud

I bought this insurance as it was endorsed by USAA, but since then my opinion of USAA has dropped, but after 40 year membership with USAA it is a shock. Embrace took my lump sum premium with no complaint, but as soon as I started filing claims on my sweet little LP they became very uncooperative. I filed three claims, they contacted my vet for records, she submitted them (MORE THAN ONCE). They put those claims on hold because they needed medical records. ARGH. I finally asked Vet to send me LPs records so I could deal with Embrace and not bother her. VET has other things to do but continue to send my dogs records over and over and over again. I copied LPs entire record from Day she was found as stray on street in Killeen to last day Dr R laid hands on LP along with three new claims and re submitting first claims. Now they continue to request medical records. They will gladly complete claims once they get medical records. THEY HAVE THE FRICKING MEDICAL RECORDS. I cancelled my policy but they continue to send me emails requesting medical records. They have never intended to pay ANYTHING. This company is a fraud. Actually I probably should have a total refund of my premium. This company should be reprimanded and all premiums paid refunded to all who paid.
  • INSURER: Embrace
  • POSTED: 05/08/2021
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Great service

Thanks to Healthy Paws Pet insurance we’re able to help our dog with his skin issues and get the right medication he needs . It’s easy to file a claim on the app and the payment is quick after they have reviewed the claim and approved it. Outstanding service!
  • INSURER: Healthy Paws
  • POSTED: 11/24/2020
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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1

out of 10

Wrong pick

Is a terrible company, i filed a claim more than 2 months ago and still didn’t get resolved, they ask me for more clinical records every time. They are doing everything so hard when it comes to reimburse you money, as long as they get your monthly payment everything is fine but you touch their pockets is when the hard part comes. Stay away from these people
  • INSURER: Healthy Paws
  • POSTED: 11/24/2020
  • BY:
  • BREED: Beagle
  • AGE OF PET: 1 - 8

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10

out of 10

Verified Reviews

PetInsuranceReview recommened

HONEST Service

TruPanion TRULY came through for me!! My dog needed emergency care twice in one week. I easily submitted my invoices and received 90% reimbursement on all of the vet bills. No hassle over anything with TruPanion. I can’t tell you the last time I was ever treat so fairly by an insurance company. Thank you so much TruPanion. Your honest and quick policies will save many fur babies lives guaranteed!!
  • INSURER: Trupanion US
  • POSTED: 03/26/2021
  • BY:
  • BREED: Maltese
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

THE BEST pet insurance out there, hands down!!

They always process my claims within 3-4 days at the very most, sometimes it's the next day. The ease of submitting a claim is outstanding. You don't have to have your veterinarian fill out a claim, you can just have them email you the pet records and upload with an invoice-and that's it! The customer service is outstanding! I've had my Chihuahua insured with Healthy Paws for a few years and in the last two years he developed congestive heart failure and started having seizures. He was very sick recently and was referred to a Neurologist, and Healthy Paws emailed me to ask if he was going to be ok and asked me to follow up with them on his progress, then they paid the claims right away. I really can't say enough good things about this company. I've tried another pet insurance company with another dog I have, just because it was a little bit cheaper per month, and they did mental gymnastics to try and get out of paying for a claim. So I dropped them and signed my other dog up with Healthy Paws, you really do get what you pay for!!! I've NEVER had any issues with claims or payments, and I recommend them to everyone who has a pet they love.
  • INSURER: Healthy Paws
  • POSTED: 11/24/2020
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: Over 8 years

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10

out of 10

PetInsuranceReview recommened

Incredible insurance for peace of mind

After much research, I selected Healthy Paws pet insurance after rescuing my two puppies. Since they were rescues, I didn’t know what to expect from a medical background. I am so thankful for Healthy Paws services, professionalism and responsiveness. They are always very quick to process your claims. My one rescue was only 6 months when we learned she was going to need very expensive elbow surgery. Healthy Paws made an impossible decision so much easier. Without them, we would have not been able to afford the surgery. The ongoing prognosis required ongoing medication, all of which has continued to be covered. I fully expected, as with most human insurance companies, things to get denied or pushed back. This never happened as long as it was under the coverage. They don’t cover exams and well pet costs, but that is what you sign up for as a pet parent. You don’t sign up for making heartbreaking decisions between helping your pet when they are in pain or sick and your finances. Healthy Paws gives you the freedom and independence to make sure you can always do what is right for your pet. Most recently, my same dog had a mass removed and they followed up with a personalized email asking how she was doing. This is a company that truly cares about pets, their customers, and making sure the best care is received. I’m so thankful I found them and I can’t recommend them highly enough. Enroll with them today for peace of mind and you’ll be so glad you did. I hope you never have to use it, but the moment you do, it will be the biggest blessing to both you and your pet. Thank you Healthy Paws for all you have done for my family. I will continue to recommend you to everyone I can!
  • INSURER: Healthy Paws
  • POSTED: 11/24/2020
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Verified Reviews

PetInsuranceReview recommened

Newsletter

Need to get newsletter. I am paying for insurance but not getting the newsletter
  • INSURER: Trupanion US
  • POSTED: 03/26/2021
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

PetInsuranceReview recommened

Great Pet Insurance Company!

I’ve been extremely impressed with Pets Best! The ease of filing a claim and getting payment has been a lot easier than I expected. I’ve had to file several claims over the last 2.5 years that my dog has had this insurance and the process has been flawless!
  • INSURER: Pets Best
  • POSTED: 11/24/2020
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Simply the Best

After searching through reviews, and pros and cons for several pet insurance options, we landed on Pets Best. Our kids had been begging for a pup for years and it was the only thing on the Christmas list complete with dog food, a dog bowl and a pooper scooper. We found ourselves at a cross way and (reluctantly) gave in. I’m typically not one that purchases additional services if there’s a chance they won’t likely be needed but I’ve heard too many stores of puppies needing surgeries for eating something they shouldn’t, so we intended to keep the insurance for one year. Everything was great until we took her in to be spayed, she came out like a different pup. She wouldn’t sit on her rear, didn’t have much energy, each day that went by was getting worse. We finally switched Drs and found out she was in kidney failure and wasn’t sure she was going to make it. The local vet tried to do 24/7 fluids to force her kidneys to flush the toxins but she barrel rolled and pulled out her IVs. Since they weren’t staffed 24/7 and not able to trust her, I drove her 2.5 hours to the nearest emergency vet clinic. There she was diagnosed with Renal Dysplasia, we were told to put her on expensive food and she would need to have fluids frequently... as well as the fact that she will likely have a much much shorter life. Pets Best had been phenomenal in reimbursing every single claim I’ve put through, in the past six months since being diagnosed we’re close to or have exceeded five thousand in claims. They have reimbursed for every single one. They would have even paid for a kidney transplant (pre-approved), however that wasn’t an option in our case. I truly can’t say enough good things about Pets Best.
  • INSURER: Pets Best
  • POSTED: 12/21/2020
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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