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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.

4

out of 5

Just like every other company

ive been with apsca since 11/08 and i think the coverage is great. i mean they do have that sucky "reasonable costs" clause but from the comparisons ive been doing every company has the same thing. The thing that i like most is that you can add extra coverage called continuing care...(something i dont remember exactly what its called) but i got that for an extra like 9 bucks a month and that makes it so i dont have to worry about taht 180 days thing everyone keeps talking about. Maybe that would help some other people if they were to look in to that? Other than that i dont think its bad at all.
  • INSURER: ASPCA
  • POSTED: 11/07/2009
  • BY: Ashley
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Amazing service!!!

Embrace has been absolutely wonderful to work with. The wellness plan claims have been processed almost immediately, I definitely did not expect such a fast turn around.Our puppy is somewhat of an "unlucky" puppy. It doesn't seem to matter what kind of precautions we take, he always manages to have something wrong with him. Embrace has handled every claim quickly and efficiently. They always ask how our baby is and make sure that all my questions and concerns are answered. My only advice is to read their website in its entirety (just as you should ANY insurance company, for yourself or your pet). They tell you that they need your pet's health records and what isn't covered. If you have questions before you sign up, ask them! They are very friendly and helpful. They helped me customize my own plan for my puppy. I have not one bad thing to say about them.
  • INSURER: Embrace
  • POSTED: 11/04/2009
  • BY: Kristen
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Incredible service!

With most insurance companies of any kind, processing claims is inconvenient at best, but with Embrace, it was not only painless, but an all around pleasant experience. They were helpful, responsive, and really proactive about following up with me to help make sure the claim was processed as quickly as possible. There's no doubt in my mind that I'd use and recommend Embrace to anyone in the market for pet insurance.
  • INSURER: Embrace
  • POSTED: 11/04/2009
  • BY: Garrett
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

High recommend this company!

Embrace covered an injury that most other pet insurance companies deem "genetic" (even though my dog's injury was caused by an isolated accident) I was given frequent email updates by the company letting me know the status of my claim and it was processed fairly quickly. Thank you, Embrace!
  • INSURER: Embrace
  • POSTED: 11/04/2009
  • BY: Carrie
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Constant communication with you, quick responses

I recently purchased Embrace plus Wellness Plan, for my 2 year old Newfoundland puppy. As a giant breed, there are known hereditary issues that I knew my girl might come across as she aged and was looking for a plan that covered possible hereditary issues.I had an Orthopedic exam performed on 10.24,09 and submitted the completed exam to Embrace to reduce the 6 mo waiting period prior to coverage for any Ortho disorders - we received clearance for her waiver on 10.26.09, over the weekend. I also submitted the bill for the exam on the 10.24, and was informed today, 10.30.09, that it has been processed and paid according to her Wellness portion of her benefits. I also had my vet submit her complete medical history to Embrace to get a better understanding of any "pre-existing conditions" that might come up within the next year that they might not cover. But so far, so good! I have read my policy from end to end more than 20 different times to fully understand what is deemed "pre-existing","behavioral" etc. Embrace has been on top of all my concerns and has been in constant contact with me regarding the process. I will update after I hear back from them regarding the medical history review.
  • INSURER: Embrace
  • POSTED: 10/30/2009
  • BY: Susy
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

May as well not have insurance.

I have two Shih Tuz's and one had to have metal plates in his front legs and they claimed it was a hereditary condition age 1 1/2 and then the other one had a scratch on her eye which got infected and almost lost her eye and ASPCA called that hereditary age 1 1/2 so there was never any payments made even for the hospitalization that was required because they said it was boarding costs. I would definitely not buy this insurance and I have canceled after one year with $0 money ever reimbersed.
  • INSURER: ASPCA
  • POSTED: 10/29/2009
  • BY: Susie
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Great Service!

We bought a purebred puppy, and thought pet insurance might be a good option, even though we have never had it before. I found Embrace online, and liked the optional illness and dental protection options, so I signed up. Good thing I did, as our puppy became very ill and had to see several specialist veterinarians; she has a rare metabolic/ muscle disease. Embrace has been great and has covered her bills, but the best thing about them is the customer care. Embrace reps. follow up to ensure I receive payments from them, and have sent kind words for my dog in emails along with my EOB's. I would highly recommend Embrace to anyone looking for quality insurance and compasionate customer serivce.
  • INSURER: Embrace
  • POSTED: 10/29/2009
  • BY: Molly
  • BREED:
  • AGE OF PET: 0 - 3

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3

out of 5

I don't know if I can recommend you.

My dog got a bacteria called pseudomonas, it is the most resistant to antibiotics. It comes from dirt this then caused him to have bronchitis and Embrace declared it was genetic and paid $63, out of $3000 in bills. I had bronchitis every spring as a kid it was not genetic and it went away. I am considering if I need insurance.I'm not a happy client, I feel deceived. I figure if he breaks his leg they will find some way to declare that a genetic disease.
  • INSURER: Embrace
  • POSTED: 10/29/2009
  • BY: Brooke
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

recommend Embrace to pet owners

Our dog is our baby. She has had pet insurance since a pup and is 3.5 years old now. She was always healthy until an acute illness this year. We had switched to Embrace because our old insurance made unilateral decisions on what claim payouts should be based on (their own cost chart versus what the vet actually charges customers for services). This was frustrating and costly to us. Embrace covered 90% of the actual vet cost when they processed our claims. No hassels. And they cared enough to ask after our dog and the progress of how she was doing. Their professionalism and courteousness was refreshing. In the end our dog's well being is all we care about and after many tests and a surgery she is now back to being healthy and playful. However, it's nice to know that Embrace gives great coverage and works with you from start to finish of the claim process and that. My sole warning to new Embrace customers is that upon your first claim, Embrace will ask for the last 2 years of health history (veterinary medical records) of your pet to rule out pre-existing conditions. Something I feel should have been made clear up front when purchasing the policy. Because of this review process; your first claim will take a little longer to process than you might expect. The good news is that they stay in communication with you the entire duration of the process until claim payout is made. You'll love Embrace. It's worth choosing them for your pet's insurance or switching over to them from your existing one. Sasha L. (Massachusetts)
  • INSURER: Embrace
  • POSTED: 10/20/2009
  • BY: Sasha
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

very pleased with the primary plan coverage

I was very pleased with the handling of my claims and customer service under the ASPCA Primary Plan.
  • INSURER: ASPCA
  • POSTED: 10/19/2009
  • BY: Sandrsa
  • BREED:
  • AGE OF PET: 0 - 3

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