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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

Thank you to PetsHealthCarePlan

Letter sent to PetsHealthCarePlan: Dear PetsHealthCarePlan, Attached is my final claim for my beloved Jonah who was euthanized on Tuesday, May 5, 2009. I’ve also attached a picture of Jonah (tabby) with his buddy Hazy Girl (tuxedo). Jonah was truly the sweetest cat! We have 5 other cats (!) and Jonah got along with ALL of them. He was extremely interactive with us throughout the day, constantly talking to us and being mama’s lap kitty while she worked at the computer. He loved to greet me after my morning shower and would patiently wait for me to put a towel across my shoulders so he could hop up and snuggle me on my shoulders! At night, ever since he was a baby, he loved to fall asleep sucking my ear lobe. I adopted Jonah as a rescue kitty during a very tough time in my life. I was struggling with depression and his beautiful soul helped me overcome that tough time. He’s been with me through a divorce, two moves (one from SC to MD), starting up my own business and several more additions to the family. He had so many distinct meows and purrs and expressions that makes me believe he was highly evolved and more connected to people than the average pet. Jonah was shortchanged on his life and it took us all by surprise. He never had anything wrong in his annual checkups and never had those urinary issues like many male cats do (like Boaz). When his kidneys started to fail towards the end of last year, we were told we only had a few weeks left with him. A few months later, Jonah survived and thrived after having a huge bladder stone removed. And you wouldn’t believe how well he responded to acupuncture! After 2 or 3 treatments, Jonah was totally expressing energy and playfulness like he did when he was a baby kitty! It had been years since we played our little “hide-and-seek-and-pounce” game (I wish I could show you a video of it as it was so hilarious), and for two months he just carried on in full strength like when he was a kitten. I truly do credit that to the acupuncture. But unfortunately, Jonah’s kidneys could not keep up with his vibrant life force. We had learned from a Pet Communicator how to communicate and “pet-speak” with Jonah and he told me he was ready. He was so sweet on his last day, giving to the very end. I held him as he purred on to the other side. We were so grateful to provide him a peaceful crossing. We are also very grateful to PetsHealthCarePlan because without your services, I would have been robbed even further of the last 4 or 5 months I had with Jonah. And I can’t even begin to tell you how precious those last months were. I still can’t believe he’s gone. I tell everyone I know who has a pet about your program. What’s equally as important as the coverages you provide is the compassionate customer service that I have always received from your staff. Thank you again for the services you provide.
  • INSURER: ASPCA
  • POSTED: 05/07/2009
  • BY: Shannon
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Wellness Policy with 1st year puppy

Not having owned dogs for almost 15 years, pet insurance was a new concept for me. After doing extensive research I chose Embrace because they offer congenital coverage and also take regional expenses into account. Since I live in the "expensive" NE this applies to vet bills here. I was curious to see my first claim with their wellness program as I just went through the vaccination series for my cane corso pup, along with the usual digestive/intestinal upsets that seem to go along with new pups. They promptly re-imbursed me the full amount allowed for the year. All they required were detailed vet bills with a written report from the vet office. I am most pleased and intend to spread the word that they are one of the better (if not the best) insurance companies available. Highly pleased with all aspects of my dealings with this company.
  • INSURER: Embrace
  • POSTED: 05/06/2009
  • BY: Delphine
  • BREED:
  • AGE OF PET: 0 - 3

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4

out of 5

Bait & Switch???

I insured my two cats with Embrace for a year. The insurance appealed to me because Embrace touted how they would cover ongoing conditions beyond the first policy year and not consider them pre-existing conditions at renewal time. However, a close reading of the fine print revealed that coverage for ongoing conditions would be considerably reduced after the initial policy year, a stipulation I had to really dig for in order to find it out. Worse yet, when the first year's coverage approached its end and renewal time came up, Embrace jacked up the premiums by more than 40%. The initial premium was very competitive, but the second year's premium was outrageous. I felt that such a huge premuim ncrease for the second year almost amounted to a bait and switch tactic. Needless to say I didn't renew!
  • INSURER: Embrace
  • POSTED: 05/05/2009
  • BY: Mick
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

10/10 Received call from CEO herself !!!

I would have never expected to get a call from the CEO of a company but it happened today. I had a different understanding of a possible Cruciate Ligament injury then what the customer service rep informed me. I received a phone call from the CEO herself asking how she could assist, after a brief conversation we resolved the issue. I have never had the CEO of a company call me in regards to a complaint before and that shows that they truly go above and beyond to resolve issues. I'm expecting many years of enjoyable service with them...
  • INSURER: Embrace
  • POSTED: 05/01/2009
  • BY: Bret
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Terrific experience (s) w Pet Partners

I felt compelled to reply after reading some of the negative posts about Pet Partners insurance. I have had the insurance for my Bernese Mountain dog. He's unfortunately had several trips to the ER after ingesting things he shouldnt have- and even had to have surgery to removed something lodged in his stomach. Having this insurance has payed for itself 20 times over. I found the claim process quite simple and straightforward for all procedures- and even regular checkups and monthly meds like frontline and heartguard. I downloaded and faxed forms- and always received an acknowledgement in the mail within days and payment within a few weeks. If I needed additional information - they are very helpful on the phone providing options. I would reccomend this to anyone.
  • INSURER: AKC
  • POSTED: 04/25/2009
  • BY: K
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

happy with insurance

I've had the AKC plan for 2 years. I have one of the more expensive policies that covers some office visits and medication, dental cleanings, heartworm meds as well as accidents and other illness. I did read the fine print and know that hereditary and congenital conditions are excluded but so far I have not had any problems getting claim forms or being paid for my claims. Payment sometimes takes longer than the 2 week period they mention, but I have never been denied a claim and I would say that overall I have gotten back about half of what my yearly premiums are just for routine care and vaccinations. I have never had an accident claim. The first year I had the neutering plan for and the next year I chose a plan that did not include neutering since it wouldn't be needed again. I did have to call them to change the plan but it was as simple as that. I have no complaints and plan to continue with the insurance.
  • INSURER: AKC
  • POSTED: 04/23/2009
  • BY: Gail
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Best pet coverage I have found

With my previous cat (who died in 1993) I had tried other pet insurance companies, but I always had to pay a co-pay and they didn't cover many of the bills I had submitted for payment. I signed up with ASPCA Pet Insurance in 2006 and am extremely glad that I did. Last year I took my cat to a "cat" groomer that I thought would be a good place to go (I checked on the internet and it had several stars as a rating. I had taken my cat to the groomer in May and by Memorial Day weekend (a couple of weeks later), my cat had become very ill (he was falling down, plus his third eyelid was showing in one eye). This had happened on Sunday so, of course, the pet hospital where my cat's vet was was closed. Fortunately, there is a Pet Emergency center near where I live, so I took my cat there and was told he had "Horner's Syndrome" (the symptoms can last for 6-8 weeks), which they did. Over the time that my cat was ill, his medical bills came to over $1,500.00 and ASPCA Pet Insurance paid over $800.00 of that.
  • INSURER: ASPCA
  • POSTED: 04/10/2009
  • BY: Dorothy
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

They do exactly as they say!

I have two dogs. One needed patella surgery 2x which is considered congenital. Embrace paid handsomely, just as it stated in the policy. There was no hesitation and no problems. They just paid all claims. Amazing, when you hear so much about rip off companies--this company is great! I will always use them if I have pets. My other dog is healthy but you never know. What if I didn't have this coverage, I would be in so much debt. I recommend Embrace to anyone who loves their pups, cats, etc. There is no choice for me. And their customer service is fantastic-everyone is so polite, and helpful-it's like they all have stock in the company. I wish every company was run like this one.
  • INSURER: Embrace
  • POSTED: 04/06/2009
  • BY: Lynn
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

SO WORTH IT!!

We have two Great Dane companions, a breed known for having health issues. Knock on wood for two years we haven't needed our policy, but when our deaf boy began struggling with recurring pneumonia, Embrace has done everything to be helpful and responsive. He's still being treated, but we've already recouped all of what we've paid in premiums for both dogs. Plus, they always ask how he's doing in our email correspondence. They care and they work for you!
  • INSURER: Embrace
  • POSTED: 04/05/2009
  • BY: Meg
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

No customer service

I had the Wellness Plus Plan for my puppy. The only difference between the Wellness Plus and Wellness Plan is that the Wellness Plus Plan includes the cost of neutering. My puppy was neutered in the first year of cover and the vet's invoice was sent to AKC and was duly settled by them.The next year I received my renewal documents and paid the premium quoted. What I didn't realize, until the subsequent renewal, was that AKC had not downgraded my policy to the Wellness Plan since my puppy had now been neutered, they were still charging me for the Wellness Plus Plan which was no longer appropriate. When I queried this with AKC they said I had to notify them in writing that my dog had been neutered. I told them that not only did they have written confirmation from the vet, but that they had also settled the claim and were therefore well aware my dog had been neutered. AKC refused to refund the additional premium and suffice to say I immediately cancelled my policy. AKC is an arrogant and inflexible company, offering no customer service. I am now with a company who value and respect their customers. Also AKC constantly paid only a portion of my claim, as they considered the bills to be 'unreasonable'. I can't help that I live in an expensive area and in fact when you get a quote you have to enter your zip code and I'm sure your premium is adjusted accordingly. They should pay me back the full cost of my dog's care, as that is how much it costs me to provide care for him in my area.
  • INSURER: AKC
  • POSTED: 03/31/2009
  • BY: Louise
  • BREED:
  • AGE OF PET: 0 - 3

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