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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

Great customer service and response time is quick.

I am a new customer of Embrace and have 2 puppies. Lots of appts with the vet for shots, worms, ear infections, etc. I have sent my invoices in and had a response the next day and a check shortly after that. I am very pleased with Embrace and highly recommend them.
  • INSURER: Embrace
  • POSTED: 12/11/2009
  • BY: Amy
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Great Customer Service, Quick Processing

I recently made a claim. Embrace contacted me through every step via email to let me know that they received my paperwork, processed the request and issued the payment. I received a check just 3 weeks after submitting the request. I am impressed and happy that I chose Embrace :)
  • INSURER: Embrace
  • POSTED: 12/11/2009
  • BY: TSS
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

So easy

I changed from Banfield to Embrance.Wellness plane is excellent and easy to claim.Thank so much for the great service.
  • INSURER: Embrace
  • POSTED: 12/11/2009
  • BY: Masami
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Very easy process

We just made and received our first claim under the Wellness Plan. The process couldn't have been easier and everytime I needed to talk to somebody on the phone, the customer service rep was very helpful. The reimbursement check came faster than they promised. Thanks again.
  • INSURER: Embrace
  • POSTED: 12/11/2009
  • BY: Chris
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Very Pleased & Grateful

My experience with ASPCA has been 100% positive. I insured my always-in-excellent-health 11 year old Cairn Terrier with the Premium coverage, estimating the higher costs of the broadest coverage available would come close to paying for itself within the year. Imagine my shock when, just 4 months later, my dog was diagnosed with hepatic lymphoma-- a cancerous lymph node in his liver. It was a relief to know the excellent ASPCA Premium Plan covered most of the costs, making the 18 week chemotherapy protocol affordable. I did not have to make a painful choice between my own finanical needs and the medical costs of my dog. Treatment for his cancer has been remarkably successful, he has an excellent quality of life, and his vets predict a possible two more years of enjoyable life ahead for my dog. I did some comparative research before I bought ASPCA pet insurance, and highly recommend the Premium Plan as the best coverage I could find for an older dog, as lesser options did not offer the same breadth of protection. I am very pleased and very grateful.
  • INSURER: ASPCA
  • POSTED: 12/10/2009
  • BY: Roberta
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Great service, quick claim processing

Several years ago I spent $3,000 on vet bills for an older cat, and the aftermath of the expenses crippled me financially for a long time. I recently got a new cat, and decided to go with Trupanion insurance based on a friend's recommendation, hoping to avoid the same pitfalls that I encountered with pets in the past. About a month ago my cat Wiley, who is only two years old, had a urethral blockage and required $3,000 worth of treatment. Trupanion ended up covering almost $2,400 of the vet costs, without which I would not have been able to give him the treatment that he needed. They processed the claim within several days, and their customer service and professionalism were outstanding. Thanks to Trupanion Wiley is doing great, and I would whole-heartedly recommend their service for anyone that has new pets. The cost per month is very reasonable, so anyone should feel very comfortable hopping on board with Trupanion.

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5

out of 5

Great service, quick claim processing

Several years ago I spent $3,000 on vet bills for an older cat, and the aftermath of the expenses crippled me financially for a long time. I recently got a new cat, and decided to go with Trupanion insurance based on a friend's recommendation, hoping to avoid the same pitfalls that I encountered with pets in the past. About a month ago my cat Wiley, who is only two years old, had a urethral blockage and required $3,000 worth of treatment. Trupanion ended up covering almost $2,400 of the vet costs, without which I would not have been able to give him the treatment that he needed. They processed the claim within several days, and their customer service and professionalism were outstanding. Thanks to Trupanion Wiley is doing great, and I would whole-heartedly recommend their service for anyone that has new pets. The cost per month is very reasonable, so anyone should feel very comfortable hopping on board with Trupanion.
  • INSURER: Trupanion
  • POSTED: 12/09/2009
  • BY: Patrick
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

Feel Completely Tricked

I signed up for a policy for my American Bulldog mix. After I sent in the paperwork for my health history review, I received notification that I needed to prove that my dog was a mix instead of a purebred - his file at the vet mistakenly identified him as a plain American Bulldog - or they were going to raise my premium. I talked to the vet and they said they would provide a written statement indicating that it was an error on their part, and that I really do have a mix. Embrace said this was not sufficient -- that I had to have something from the rescue. Which made no sense to me since they had to guess at what he said and the vet is way more qualified. I was also told that I could send in pictures to demonstrate that he was a mix. So I did. And I was then informed that I had a Boxer Mix so they were going to raise my rates anyway. Which is absolutely ridiculous b/c I did was I was asked to - I proved he was an American Bulldog mix and the underwriters at Embrace switched it up on me so they could raise my rates anyway. I asked for clarification on why they were raising the rates anyway, when I had done what they asked, and had a vet that was willing to atest to that. Instead of getting a response, I got an email informing me that my premium had been raised and my card had already been charged. I feel completely hoodwinked and feel that Embrace has some unethical business practices. I have cancelled my policy b/c I do not want to do business with people I can't trust to be honest. I've read through these other reviews and realize that I am completely in the minority, but wanted to share my experience anyways.
  • INSURER: Embrace
  • POSTED: 12/08/2009
  • BY: Christine
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

ASPCA is A++

A couple of years ago my husband came home and told me about a co-workers dog being sick and how his co-worker had pet insurance with the ASPCA and raved about his coverage. He suggested that we too get pet insurance. Well, I cannot tell you how valuable that insurance turned out to be. My dog Hercules was 7 and perfectly healthy when we purchased the insurance policy. Two years later in the blink of an eye the health of my dog changed and the one thing I didn’t have to worry about was how to pay for his healthcare. I left for work one day and Hercules, my beautiful Jack Russell Terrier, was fine and when I came back he was limping. I thought for sure he had fallen while we were away but after a couple of months and lots of tests he was getting more and more sick. I was worried that we would not be covered but was told it was a “working diagnosis”. Finally, it seemed they had concluded he had some kind of tick-borne illness. He was treated and was still recuperating and starting to feel better, when all of a sudden he began shaking uncontrollably. I was not sure if this was related to his the first illness of if he had something new. I took him back to his vet who suggested that he be seen by a neurologist as his shaking seemed involuntary. I was worried thinking I must have exhausted my coverage but knew I had to take him to the vet to be seen. The neurologist told me he needed to perform a spinal tap to know what was going on with him and although it was an expensive procedure I knew this was what we needed to bring some resolution to what was happening. When all was said and done they found out he had something called idiopathic tremor syndrome which is treatable with steroids. I had paid for this procedure and the visit to the specialist on a credit card I opened at the vets office but surprisingly I found out I had not exhausted my coverage and that I was being reimbursed for this procedure! With the help of the ASPCA Pet Insurance I was able to get the care that Hercules needed and never have to think twice about it. I don’t even want to think about what would have happened had we not had insurance. After all that we went through I have convinced every member of my family to get pet health insurance through the ASPCA. Hercules is doing well today, running and playing, and have a great time like all Jack Russells do! From the bottom of our hearts thank you for everything ASPCA Pet Insurance!!
  • INSURER: ASPCA
  • POSTED: 12/07/2009
  • BY: Jennifer
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Transparent & Uncomplicated

Having recently switched from VPI, I was absolutely amazed at how transparent and uncomplicated the claim process was. Sure, the two policies I got for my dogs cost approximately 15% more than their VPI counterprts, but I have already more than made up the difference. For example, Embrace's routine-care (wellness) coverage actually costs just as much as the other insurance company. However, I was actually shocked to have received a 100% reimbursement from Embrace up to the policity limit of $200, when I was used to receiving very, very small portions back from VPI (e.g., $15 for a $65 shots as well as for a $95 exam, $10 for a $60 test, etc.). I used to get about $40 to $50 back from VPI, but I actually received $200 from Embrace! Wow, what a difference, for the same premium. I am definitely happy with Embrace. The ONLY thing, though, is that they might sometimes be a bit disorganized... I have sent in the same paperwork (NYS insurance waiver?) twice already, and they have just asked me to send them another copy because they couldn't locate one. While this has not affected my claims, it doesn't exactly scream, "We are organized!"
  • INSURER: Embrace
  • POSTED: 12/07/2009
  • BY: NeMa212
  • BREED:
  • AGE OF PET: 0 - 3

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