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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.

5

out of 5

Buying EmbracePet Insurance is the best idea

This is the 3rd time I've had a claim...each one was handled quickly, professionally,and with personal interest. My check was sent to me within 10 days. If I've called for help or some information, I spoke with an Embrace representative immediately and he/she was courteous and helpful. I wish my own health coverage provider was as helpful as Embrace...they can take lessons from Rambo's insurance company!!! This is money well spent, believe me!
  • INSURER: Embrace
  • POSTED: 09/30/2010
  • BY: Hermien
  • BREED: Mixed Breed
  • AGE OF PET: 7 - 10

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4

out of 5

Good reimbursements

I am in the health insurance business - but on the people side. When choosing a pet insurance, I did NOT want a scheduled plan such as VPI has. This type of plan pays a VERY small amount on what is typically a MUCH higher claim amount. The type of plan you want is the type of plan that Embrace offers - deductible and coinsurance based on the BILLED amount. My bluetick coonhound Georgie who is only 3 years old, was just diagnosed with a rare immune disorder (less then 2% of all dogs have it). I took her to Medvet which is a specialty hospital and the bill to diagnose her was almost $1300 with a follow-up visit of another $266. This didn't include the almost $500 I had already spent at my regular vet's office a couple of weeks before. I chose a $500 deductible plan with Embrace with reimbursement at 90% with the highest yearly maximum that they have ($10,000). I was reimbursed exactly as I should have been by Embrace. I did have to pay the deductible twice because my plan year runs 8/26 to 8/26 and my visit to Medvet occurred on guess what date - 8/26!! So be aware that you deductible is NOT a calendar year deductible (January to December) but a plan year deductible (when you actually take out the plan which in my case was 8/26 to 8/25 of the following year). The first claim did take about 4 weeks to process but the follow up claim was only a couple of weeks. Overall, I am very happy with the reimbursement. One thing to watch for though is continuing care
  • INSURER: Embrace
  • POSTED: 09/30/2010
  • BY: Patty
  • BREED: Bluetick Coonhound
  • AGE OF PET: 7 - 10

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5

out of 5

The best pet insurance there is!

I have been with this pet insurance for 6 years. The fees are very reasonable and I have two Schnauzers so that is important. Also they process the claim within 2 days of receiving and the cheque arrives within 2-3 days. They encourage you to take your pet to the vet when they are sick and to keep your pet healthy. The best pet insurance there is...for sure.Patricia Hohs, Stittsville, Ont. Canada
  • INSURER: Trupanion
  • POSTED: 09/30/2010
  • BY: Patricia
  • BREED: Schnauzer
  • AGE OF PET: 7 - 10

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5

out of 5

The best pet insurance there is!

I have been with this pet insurance for 6 years. The fees are very reasonable and I have two Schnauzers so that is important. Also they process the claim within 2 days of receiving and the cheque arrives within 2-3 days. They encourage you to take your pet to the vet when they are sick and to keep your pet healthy. The best pet insurance there is...for sure.Patricia Hohs, Stittsville, Ont. Canada
  • INSURER: Trupanion Canada
  • POSTED: 09/30/2010
  • BY: Patricia
  • BREED: Schnauzer
  • AGE OF PET: 7 - 10

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2

out of 5

Payment for a covered condition will cease...

...at the policy renewal date unless you have a "continuing care endorsement," which for us was an additional $7. But don't be too reassured. This endorsement may not provide as much coverage as the rest of your plan. So beware. We missed out with one cat, never imagining this could happen, and insurance-speak is not always easy to understand. So coverage can end in the midst of the healing process, or at the very beginning if the injury or illness occurs at the end of the plan year. The coverage levels are good for us otherwise, and service has been prompt.
  • INSURER: ASPCA
  • POSTED: 09/29/2010
  • BY: Steve
  • BREED: Domestic Longhair
  • AGE OF PET: Over 11 years

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5

out of 5

ASPCA to the rescue!

On a routine visit to my vet with Maine Coons, Hyacinthe and Daphnis, in December 2009, I idly picked up ASPCA's Pet Insurance brochure. On studying it at home (having previously looked into two other plans and found them wanting), I liked this one and immediately insured my boys. In June 2010, on a vet visit with Hyacinthe, the routine weigh check showed that he had lost over one pound since December. Testing indicated hyperthyroidism. My choice for treatment was "pills" --twice a day and a major battle each time--or very expensive iodine 131 irradiation. Although my vet assured me that, over the balance of my 11-year old's expected life, irradiation would prove to be no more expensive than medication and follow-up testing, the up-front cost would be significant. Not knowing whether insurance would even cover it, I opted for irradiation. But ASPCA came through with flying colors. Now, Hyacinthe is like a new cat! He's gaining weight, his coat is silky, his eyes bright, and he's returned to play-chasing with his brother, Daphnis. THANKS ASPCA INSURANCE and my great good luck in picking up that brochure just when I did.
  • INSURER: ASPCA
  • POSTED: 09/29/2010
  • BY: Marya
  • BREED: Maine Coon
  • AGE OF PET: Over 11 years

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5

out of 5

Haven't had a bad experience yet...

I have had Embrace insurance for almost 2 years now and was pleasantly surprised with the ease of submitting a claim and the quickness with the response. If I do have a question regarding my claim I receive a response in my e-mail within hours. They are VERY helpful and even have helped me to save money on the monthly premium. The reimbursements I received have always been fair and I really have no complaints. I do wish I chose the medication option when I purchased the policy because if you don't that is not covered.
  • INSURER: Embrace
  • POSTED: 09/28/2010
  • BY: Jessica
  • BREED: Rottweiler
  • AGE OF PET: 7 - 10

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5

out of 5

I feel secure having Embrace insurance

After our 4 year old goldendoodle was diagnosed with lymphoma, we as human medical professionals then realized how advanced canine treatments can be. We had no pet insurance then but wanted to do everything possible for him. After few months our pet passed away despite the chemos, transfusions and excellent care. We were very sad but was determined to get pet insurance for our next dog. I did a lot of reserach on pet insurance then and Embrace was the best deal and coverage I found. Our new puppy arrived 2 months later and he's healthy so far, needing insurnace coverage for hip dislocation he suffered while running on wet grass(no preexisting condition) and the subsequent medical complication from his sling-related injuries. All the claims were processed properly and checks issued appropriately. I am very impressed. If Embrace Insurance can run human insuranc companies I am sure the world would be a better place.
  • INSURER: Embrace
  • POSTED: 09/28/2010
  • BY: Shih-fen
  • BREED: Goldendoodle
  • AGE OF PET: 7 - 10

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1

out of 5

Might not be worth it

My cat's claim was denied because his file said he'd vomited a couple times in the past. What animal doesn't vomit at some point in 9 years? That's hardly the same thing as vomiting repeatedly for days in a row, requiring x rays, multiple blood tests, and medications. Unless you insure your healthy pet at birth, it might not be worth it. Your dog was hit by a car and broke his leg? Well, it says here that 5 years ago he tore a dew claw so that leg's not covered. Your dog has pleurisy? Well, she was panting during an exam 10 years ago so that's not covered. She obviously had lung issues then. Cat's developed diabetes? Well, he was apparently a bit overweight at one point so we aren't going to cover that. Any animal that hasn't had a major illness can still be construed as having pre-existing symptoms for just about everything at some point. I'm saying yes for recommending this company to other pet owners, but it's very conditional. Get the insurance at your puppy/kitten's first exam. Maybe then they'd actually be covered.
  • INSURER: Trupanion
  • POSTED: 09/28/2010
  • BY: Carol
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 11 years

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1

out of 5

Might not be worth it

My cat's claim was denied because his file said he'd vomited a couple times in the past. What animal doesn't vomit at some point in 9 years? That's hardly the same thing as vomiting repeatedly for days in a row, requiring x rays, multiple blood tests, and medications. Unless you insure your healthy pet at birth, it might not be worth it. Your dog was hit by a car and broke his leg? Well, it says here that 5 years ago he tore a dew claw so that leg's not covered. Your dog has pleurisy? Well, she was panting during an exam 10 years ago so that's not covered. She obviously had lung issues then. Cat's developed diabetes? Well, he was apparently a bit overweight at one point so we aren't going to cover that. Any animal that hasn't had a major illness can still be construed as having pre-existing symptoms for just about everything at some point. I'm saying yes for recommending this company to other pet owners, but it's very conditional. Get the insurance at your puppy/kitten's first exam. Maybe then they'd actually be covered.
  • INSURER: Trupanion Canada
  • POSTED: 09/28/2010
  • BY: Carol
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 11 years

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