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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

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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5

out of 5

paid numerous knee surgeries

I took out this plan when my AKC registered puppy was 4 months old.They have paid for 4 knee surgeries, one tooth extraction and eye cyst removal.They have been polite on the phone as well as timely in their payments.Better than VPI I used to have with my other dog.
  • INSURER: AKC
  • POSTED: 03/25/2009
  • BY: Jan
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

excellent

I just wanted to say that Embrace is legitimate in everything that they do. They are sincere and caring and genuiely care about pets and their owners. I only had a policy for about 2 months. My little girl had severe genetic heart problems and Embrace covered everything to make her comfortable. For the treatment and the price Embrace cannot be beat by anyone..... When the time is right for me to get another puppy I will for sure buy another policy with Embrace.
  • INSURER: Embrace
  • POSTED: 03/23/2009
  • BY: Charlie
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Insure your pet with Embrace now!

I am recommending Embrace to all my friends who have pets. Taking this insurance is one of the smartest things I have done. Even though my dog is only 4 years old, she has had $2200 in vet expenses over the past few months, and Embrace has paid everything they said they would.
  • INSURER: Embrace
  • POSTED: 03/18/2009
  • BY: Susan
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

I am quite pleased 3/17/09

My dog's claim was paid to my approval . Initally I had a problem which was due to my vet. not detailing my dogs condition adequately. After discussing. the issue with an Embracer, I followed the suggestion. I appealed the case. My issue was resolved my ciaim was paid and we are happy. Thank you for your speedy resolution.My friend is planning to add a puppy to her family I recommended Pet Embrace to her.
  • INSURER: Embrace
  • POSTED: 03/17/2009
  • BY: Pamela
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

Just stay away....

I took my one-year-old cat to the vet in February of '09 because she had the runs, and I just wanted to be sure that everything was okay.Embrace denied my claim, saying that she had a pre-existing condition. The only other time my cat had seen the vet was when I brought her home for the first time, and I had her completely checked out by my house calls feline internist. At that time my cat had slightly loose stools, probably caused by the stress of moving, new food, or being in a new environment. It went away, untreated, in about a day. To say that this trip to the vet 11 months later was a "pre-existing conditon" is pure fraud. I've attempted to cancel this policy because I don't believe that this is an ethical company. In fact, I have not even received the written confirmation of my cancellation that I requested! I would hate to make a serious claim after having had this policy long enough to have paid Ms. Bennett or Embrace insurance many thousands of dollars, only for them to find some way to deny it. Better to find out now and move on.
  • INSURER: Embrace
  • POSTED: 03/11/2009
  • BY: Bebe
  • BREED:
  • AGE OF PET: 0 - 3

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