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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.

2

out of 5

Not for middle aged pets

Same as many others. I have an 8 year old boder collie that was denied coverage because of age.
  • INSURER: Embrace
  • POSTED: 02/24/2009
  • BY: Kevin
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

i love it

i wasnt sure at first but im am so glad i got this for rascal and mikie , this is a god send for me, and i have been telling everyone about embrace pet ins, i was wondering though my vet wants info on it and i have a few people interested to, and want to know if you have flyers or information i can give them . we thank you from the bottom of our hearts me and my cats.
  • INSURER: Embrace
  • POSTED: 02/23/2009
  • BY: sherry
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

Not An Honorable Company

My first pet insurance experience was with this company; I was in part lured in by the ASPCA endorsement. I was concerned that the policies offered for my 2 cats and one dog were not particularly good but decided to give it a try. I did understand that every renewal was treated as a new application and coverage for illnesses occuring within the previous year would not be covered. I also understood the limits of coverage per illness. What angers me the most however is not that Hartville offers poor policies (after all I did purchase the policies) but that they did not reimburse fairly even given the limits of the policies. The reimbursement schedule is very low; three animals, three cities, 5 vet clinics- always the reimbursement was 60% after deductibles and co-pays (not the promised 80%). What they consider reasonable isn't. The adjusters also look for every reason to deny reimbursement. Part of a claim was denied for "timely filing" although they only want one claim per illness (how does that work?). They tried denying a claim for an emergency visit for my acutely ill cat claiming that it was due to his chronic mild liver inflammation. The cat died three days later of acute leukemia. I did finally receive some payment but only after repeated calls and many weeks. The renewal policy for the dog listed "ingestion of foreign bodies" as a pre-existing condition that would not be covered. Since when is one accidental ingestion a chronic condition? (That incident only cost them $40- a fraction of the premium- the dog was entirely healthy otherwise) In short, Hartville offers poor policies and then doesn't even honor their side of the contract. After extensive research I have been able to find better policies elsewhere for the same or only slightly more money. The ASPCA should be ashamed to partner with a company like Hartville.
  • INSURER: ASPCA
  • POSTED: 02/20/2009
  • BY: Bridget
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Great insurance and peace of mind

Name:Kathy FastAddress: Plainfield IN Story:Our kitty's name is Patches and he is 11 yrs old. He developed diabetes in November of 2008 and I have to say how amazed I am with this pet insurance. I had been a contributor to ASPCA for helping homeless animals for quite a while and only found out about their pet insurance a couple of yrs ago. Patches was virtually always healthy, never sick and never went to see the vet except for his yrly exam and shots. Since his diagnosis, I have had to take him to the doctor several times for bloodwork and tests while they are trying to regulate his blood sugar. I am amazed at how prompt ASPCA is in paying their claims, and they have paid exactly what they said they would pay. I feel like I have a "guardian angel looking over us by having this insurance thru ASPCA. I don't feel so quite alone in going thru this with Patches. He is doing great, his blood sugar is coming down although the vet said it may take a while for us to go to where it needs to be. I just feel so fortunate to have found this insurance --it has been a lifesaver, especially with the times being so hard right now Thank you ASPCA! Kathy Fast
  • INSURER: ASPCA
  • POSTED: 02/17/2009
  • BY: Kathy
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Best Customer Service

I recently had a billing issue that was corrected immediately by Chris Hagesfeld, including follow-up email and postal mail responses. Chris provided a level of customer service that would be hard to beat. As a newer policy holder, I've yet to make an insurance claim, but based on Chris' professionalism, I'm confident I've chosen the right pet insurer.
  • INSURER: Embrace
  • POSTED: 02/13/2009
  • BY: Mark
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Absolutely wonderful Customer Service

I have had 2 types of plans with ASPCA. I had an emergency plan that I didn't think I'd ever use. Unfortuntately, it came in quite useful when my cat became seriously ill, and ultimately passed at only 1 year of age. The customer reps that I contacted both online and by phone were very helpful and supportive. I purchased another contract for my new kitten, and have also experienced wonderful service. My questions are answered promptly, and claims are handled in an efficient manner. I would and will purchase again.
  • INSURER: ASPCA
  • POSTED: 02/12/2009
  • BY: Kelly
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

What a Wonderful Experience!

Embrace has been nothing short of fabulous as we've coped with our dogs surgeries and rehab. They are prompt to respond to emails, quick to provide confirmation that they have received information, friendly, helpful... I cannot say enough positive things about our experience. They honestly exceeded my expectations. I've just recommended them to our dog walker who has not had a good experience with her own pet insurance company. I'm hoping she'll spread the word throughout our neighborhood.
  • INSURER: Embrace
  • POSTED: 02/12/2009
  • BY: CL
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

They wouldn`t pay for hip surgery

I know have Petplan Insurance for my new dog, with the AKC pet insurance plan, I had to euthanize my 8 month old Rottweiler because they said they wouldn`t pay for his hip surgeries because it was hereditary. Petplan is one of the few insurances that covers hip dysplasia operations and my little guy would have been alive, now.
  • INSURER: AKC
  • POSTED: 02/12/2009
  • BY: MargieJ
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

A great Review

They paid what they promised in a timely manner, and they were very nice to deal with. I would recommend them over all of the other pet insurance companyies.
  • INSURER: Embrace
  • POSTED: 02/09/2009
  • BY: Patricia
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

I want to embrace Embrace

I have a very sensitive dog... his breathing,ears, and stomach are very sensitive to everything. We see the vet quite often and have been with the Embrace people since he was a puppy.As everyone knows, vets can be pricey but we have always had an awesome experience with our insurance.
  • INSURER: Embrace
  • POSTED: 02/06/2009
  • BY: lea
  • BREED:
  • AGE OF PET: 0 - 3

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