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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.

6

out of 10

Big fish tries to get over on little fish

***LONG POST ALERT BUT WORTH THE READ*** I had a policy with Embrace for several years. My policy included 80% reimbursement with $300 deductible and covered wellness care also. Last year my dog got sick, vomiting frank blood and I took him to the emergency vet where he was diagnosed with gastric ulcers. I proceeded to take him to his primary vet for follow up and they confirmed the findings of the emergency vet. I gathered all of my documents, bills, and claim form, submitting those to Embrace. Embrace denied my claim citing "pre-existing" due to his kidney disease. I reached out to both the emergency vet and his primary vet to inquire. Both veterinarians confirmed the ulcers were NOT related to the kidney disease. I submitted those letters to Embrace and they still denied my claim. Eager to prove my case, I filed a 1st and 2nd appeal. Embrace submitted for a independent exam in which the examiner stated "the ulcers COULD be related to the kidney disease but could also be related to another disease with similar symptoms." Again they denied me as I argued their position is speculative. Wanna know what I did? I sued them in small claims court and I WON!!! The judge agreed that Embrace's position was speculative and not rooted in facts when two licensed veterinarians confirmed the illness to be unrelated to kidney disease. When I pointed out to the judge that Embrace had also violated their policy provisions, the judge awarded me 3% interest for the past 5 months. So do yourself a favor, SUUUUUUUUE! Insurance companies get over all the time because they know people don't want to spend the money to fight against them. The beauty about this pandemic, your court case can be held from the comfort of your living room. I give them a 3 star because I've had other claims that did not involve potential pre-existing injuries and those claims were paid without a problem. I'm honest & I'm fair.
  • INSURER: Embrace
  • POSTED: 08/01/2022
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: Over 8 years

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10

out of 10

PetInsuranceReview recommened

24 Pet Insurance is a critical part of my dogs healthcare.

I have all my dogs covered with 24 Pet Insurance. Smartest decision I ever made. Excellent coverage, customer service and ease to file claims allows me to seek the best healthcare for my pack.
  • INSURER: 24PetWatch
  • POSTED: 02/28/2022
  • BY:
  • BREED: Mixed Breed Toy (up to 10 Lbs)
  • AGE OF PET: Over 8 years

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10

out of 10

Verified Reviews

PetInsuranceReview recommened

Amazing!

I don't even know where to start. Every customer representative with whom I speak are not only so knowledge about the insurance policy and the claim process, they are also caring and always express their sincere concern about my Henrik during tough times. Henrik has just gone through surgery on both of his knees and has been recovering, all in the time span of two months. The claim process is as easy as can be. Answer a couple of questions on the online form, submit it and the claim is processed in two days. Your payment is then in your bank account immediately after that. I honestly do not know if Henrik could have had these two surgeries without Trupanion. I know that I would want to, but I don't know if financially I could. There are not enough words to thank Trupanion.
  • INSURER: Trupanion US
  • POSTED: 02/28/2022
  • BY:
  • BREED: Miniature Goldendoodle
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Super easy

Easy to use and not too long to get the money back
  • INSURER: Pets Plus Us
  • POSTED: 02/28/2022
  • BY:
  • BREED: Labradoodle
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Best INS experience!!

I was told that I needed to get puppy insurance ASAP bc Frenhies tend to have a lot of Health issues. Needless to say, we had our fair share of surgeries & am I glad I made the move!! I chose the 80/20 (20% out of pocket) policy and if I could, I’d bump it to the 90/10 (10% out of pocket.. I am so pleased. They make all transactions seamless and I’ve gotten paid in 5-7 days business days from submitting my claim. Every vet visit for my guy is not cheap but I’m just happy I have healthy paws to cover our unexpected expenses associated with our little guy. 10 out of 10 experience.
  • INSURER: Healthy Paws
  • POSTED: 02/28/2022
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: Under a year

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10

out of 10

PetInsuranceReview recommened

Fast and easy!

I needed to add a new pet onto an existing policy that was started through my employer. MetLife was able to do everything over the phone and notify my employer to add the new pet. It was all done within 5 minutes! Very fast and easy!
  • INSURER: Trupanion US
  • POSTED: 02/25/2022
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

PetInsuranceReview recommened

Great reimbursement

Ease of submitting claim and great reimbursement
  • INSURER: ASPCA
  • POSTED: 02/25/2022
  • BY:
  • BREED: Mixed Breed Large (70–90 Lbs)
  • AGE OF PET: 1 - 8

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10

out of 10

PetInsuranceReview recommened

Makes any and all decisions about my pets health 1000 times easier

The best!
  • INSURER: 24PetWatch
  • POSTED: 02/25/2022
  • BY:
  • BREED: Cairn Terrier
  • AGE OF PET: Over 8 years

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10

out of 10

PetInsuranceReview recommened

Danger prone pet?

My female greyhound is very danger prone. It seems like every time she comes in from outside she has some type of wound or cut or scrape. That is very common for greyhounds since they have very thin skin and hardly anybody fat which is one of the reasons I got pet insurance on her. I have had several claims now after she has come in with severe gashes in her leg from what I don’t know. They are severe enough that she has to have surgery to sew them up and 24 pet watch as always paid the claims. No argument no questions ask, just A copy of the invoice and payment was made. I have no complaints and have recommended them to others on several occasions.
  • INSURER: 24PetWatch
  • POSTED: 02/25/2022
  • BY:
  • BREED: Greyhound
  • AGE OF PET: 1 - 8

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10

out of 10

Verified Reviews

PetInsuranceReview recommened

Thank You Trupanion

Thank You Trupanion, for being there when my Milo had an emergency . They were right there helping and taking care of paper work during Milio's emergency at the vets. Thank You for being there. Bless You.
  • INSURER: Trupanion US
  • POSTED: 02/25/2022
  • BY:
  • BREED: Persian-Himalayan
  • AGE OF PET: 1 - 8

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