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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

Accurate and easy.

Just submitted my first two claims to embrace and I was reimbursed for exactly what I expected. No having to appeal. The reimbursment process was quick and easy and i'm SO GLAD that I signed up for Embrace. I will HIGHLY recommend them to anyone who has pets!!
  • INSURER: Embrace
  • POSTED: 01/25/2010
  • BY: Beth
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

DON'T TRUST ASPCA or PETSHEALTH or HARTVILLE

+I was a former subscriber to the Hartville Group who was taken for thousands of dollars and learned many unfortunate lessons. This company also has affiliates including PetsHealthPlan.com and ASPCAPetInsurance.com who also engage in the same untrustworthy manner. When I first signed up with this company many years ago, they paid based on the actual percentage of the bill. In a later renewal, they slipped in language changing the amount they reimburse from the agreed upon 80% of actual charges on my bill to a list of cost estimates that were much lower than actual cost of treatment. The cover letter did not provide any indication that these changes were being made. Also during initial signup, I don't believe this company had anything in their contract stating they would stop paying claims after my renewal date. Refusing to pay six months out of a twelve month policy isn’t much of a benefit is it? Honestly, though, I may not have looked as I naturally assumed (as almost everyone else does) that as long as I paid my premiums every month, this company would pay the claims my pet may generate later in life. The Hartville Group preys upon the people who make the logical but false assumption that pet insurance has regulations and protections. If I had signed up with a reputable insurance company my cat may still be alive today. Only after my cat became sick would I find out what a horrible company this was as they either massively underpaid the promised 80% reimbursement or flat out denied claim after claim after claim. Of course I had nowhere else to turn as my cat was now sick and therefore uninsurable. Of the many claims I submitted during my cat's debilitating illness, there was not one claim where I was reimbursed the 80% I was promised after meeting my $100 deductible. Not one! NOW they have introduced a so-called "Continuing Care Endorsement" to fend off the complaints by me and the many others like me who were abandoned by them in years past. Too late for my cat, though. Besides, it still doesn’t stop them from underpaying claims. Thanks for nothing Hartville, I hope you all burn in hell. So my question to you is, with all of the other choices available to you for pet insurance, why would you trust your pet to these people? Thank you pet insurance review for allowing me to publish this warning. If it keeps others from suffering like I did, then maybe my cat's death won't be in vain.
  • INSURER: ASPCA
  • POSTED: 01/24/2010
  • BY: R.I.P.
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Good Coverage!

When we were awaiting a new puppy in 2008, we again began researching pet insurance. We have a pack and insurance coverage with 3 other companies too so we've been through the claim process before. All of the companies have paid exactly according to their terms. But what I really like about the Embrace insurance policy is that it allowed us to customize coverage and opt for continuing care... something to seriously consider if you want ongoing treatment to be considered. It's the first time I'd seen this offered on a policy. Claim form submission is easier than with some companies... the policyholder section of the form is very easy to complete and I like having the option to fax the bills and claim form to Embrace. We recently received a check from Embrace for $545.05 for allergy testing on our boy... there's no doubt that this policy pays. I'm a big believer in pet insurance... buy it when your pet is young before any conditions might prevent him/her from obtaining coverage later on. If you aren't sure you can afford the annual premium, consider how you'll pay for unexpected chronic or serious medical conditions that might cost thousands...
  • INSURER: Embrace
  • POSTED: 01/24/2010
  • BY:
  • BREED:
  • AGE OF PET: 0 - 3

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3

out of 5

ASPCA pays 60% of total claims.

We were sold a great dane with terrible health problems by a dishonest breeder. We racked up over $3,500 in vet bills in less than 6 months. Aspca fought us every step of the way, and drug our claims process out. They ultimately paid out 60% of the claim. Not bad for $9 a month policy. We got another dog and I don't think I will go back to them though. Thinking of trying VPI.
  • INSURER: ASPCA
  • POSTED: 01/24/2010
  • BY: B
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Prompt payment

There are many pet insurance companies and it was hard to decide which one to select. Embrace sounded good and we are very pleased so far with their care for your pet and they are prompt with their payments. We recommend this company.Richard and Carolyn Sarrail
  • INSURER: Embrace
  • POSTED: 01/24/2010
  • BY: Sarrail
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Exceptional care and service!

My experience working with Embrace was great! I was pleasantly surprised to receive such personal and individualized service. I dealt with several Embracers through email primarily and on the phone a couple times. But the care and timeliness of working through this claim was exceptional! I'm very happy with Embrace. The service I received surely emulates the title of the company. A very pleasant and rewarding experience! Thank you Embrace...........very much! Misty thanks you too! She is happy and healthy once again.
  • INSURER: Embrace
  • POSTED: 01/24/2010
  • BY: Colleen
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

We are extremely impressed with Embrace

Our experience with Embrace and their staff and coverage has been wonderful. They have been great to work with and we are delighed we selected them for insurance of our dog. We highly recommend!
  • INSURER: Embrace
  • POSTED: 01/24/2010
  • BY: Terri
  • BREED:
  • AGE OF PET: 0 - 3

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4

out of 5

Worked for me!

Our year old german shepherd had this insurance when he had a horrible accident in the woods, with a complex abdominal cut and tear. They were helpful with good communication, and paid for his very extensive vet care. ONly reason I switched was that they don't cover genetic conditions.
  • INSURER: AKC
  • POSTED: 01/23/2010
  • BY: long
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

The best there is, period!

Before purchasing pet insurance, I did a LOT of research...as I do with any investment...and because I'm a huge dork and over-protective puppy mom. :) Embrace has the best ratings because they simply have the best policies and company out there! We've had 2 claims this year, one for Wellness coverage and one for an emergency. Both times it was so easy to get them the paperwork and we got our money SO FAST! The company is a JOY to work with!!! (If only human insurance was this good!) They keep you updated all along the way of your claim status. They are so nice and genuinely love pets! Honestly, Embrace is a good pet investment. Period. In the emergency claim that we had, our pup ingested a foreign body and had to have surgery and it was horrendously expensive and the vet required payment immediately! We put the surgery payment on a credit card trusting that Embrace would take care of him and they did. We got our claim payment SO FAST! And that reimbursement alone will pay for his monthly premium for about 3 years! You will be happy with Embrace. I am positive! (: Lia Solursh :)
  • INSURER: Embrace
  • POSTED: 01/20/2010
  • BY: Lia
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

Worst company ever!

I have had this insurance company for almost 8 yrs now. My three oldest cats are 14. Through out the years when i filed a claim..(which was practically never)..this company never wanted to pay..they used everything they could to not pay and finally if they did it wasn't the 80% of what i was owed it was more like 1% when they got done tearing the claims apart. Last year i changed my 3 younger cats over to another insurance company..my older ones i had no choice but to stay with petshealth. The last claim i made was a legitimate claim for a sick cat..the company said that this was for a pre existing condition...(my cat is a kidney failure cat)..i never filed claims on this after the first year knowing it wasn't covered after the initial policy period..(which is ridiculous anyway). Okay,,so my cat was vomiting from eating some plastic..the vet did some xrays and bloodwork..this company said the blood work wasn't covered and my vet charged to much for the xrays..THIS TIME.. i fought them for my money..reported them to the better business bureau. NOW>>>i get registered letters in the mail stating my cats will no longer be covered and they are not renewing my policies. Because of my cats ages i can't get coverage for them anywhere. All this company wants to do is take your premiums and when it comes time to pay anything at all they try to find all the ways to get out of paying. Save your money and put it away for your pets emergency because with this company you'll have no money and no reimbursment for anything either.
  • INSURER: ASPCA
  • POSTED: 01/20/2010
  • BY: Lee
  • BREED:
  • AGE OF PET: 0 - 3

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