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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

First experience...Wonderful!

I have two dogs and both have been covered under Embrace since last September. Near the end of January one of my pups suffered a laceration on his rear left leg that required surgery and stitches. So this was my first time putting Embrace to the test and I am very satisfied! I sent Embrace my claim forms two days ago and they've already received it, processed it, e-mailed me an Explanation of Benefits showing what they did and didn't cover (as well as how much coverage I have left), and cut me a check! Amazingly fast! How can you not be happy with that?! I highly recommend them!
  • INSURER: Embrace
  • POSTED: 03/01/2008
  • BY: Jason
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Response

Subject: RE: Robert Lerner Embrace Claim Explanation of Benefits EPI:0100098Laura, I want to thank you for your prompt action on Oskar’s claim. I have used other insurance companies in the past and they have both more expensive and less responsive. I have only been a client for a few months and I realize you have lost money on our relationship but that has not stopped you from prompt, satisfactory responses. Thank you for your good service. FYI, my Vet, Hometown Animal Hospital has asked me about your company. They had previously had been recommending another company but I related my satisfaction with Embrace and I believe that they might switch to Embrace.
  • INSURER: Embrace
  • POSTED: 02/28/2008
  • BY: Robert
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

Terrible First Experience

My dog was diagnosed with 5 lipomas on left leg and chest and prolapsed 3rd gland. I went with Embrace as they were supposed to cover hereditary conditions for specific breeds. But they refused to cover any of the surgery cost or the consultation before the surgery. I am very disappointed. Also took them over a month to respond to me on the claims.
  • INSURER: Embrace
  • POSTED: 02/27/2008
  • BY: EG
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Excellent Customer Service

When we adopted a second dog, my husband & I decided it was time to consider pet insurance. I spent a month researching different plans & companies, and Embrace looked like the best choice. I have been completely satisfied with their customer service, handling of claims, and flexibility of coverage. Thanks for all the help!
  • INSURER: Embrace
  • POSTED: 02/27/2008
  • BY: Amelia
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Caring and comprehensive

The entire team at Embrace is a pleasure to deal with. They have covered everything exactly as it is outlined in the policy we have with them. They process claims efficiently and payment is prompt as well. We have been with them for two years now and plan on continuing for the long term.
  • INSURER: Embrace
  • POSTED: 02/14/2008
  • BY: Dan
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

Read the fine print!

This plan seems like a great plan at first, I chose the Advantage plan, which covers spay and neuter which can be so expensive and you get routine coverage as well as accident. However, once I submitted my claim for reimbursement, I was surprised at how LOW my reimbursement was compaired to my vet bill!! Granted, I took into a account the deductable, however they only reimbursed me for 80% of what THEY consider to be "reasonable costs" (basically they take the average of what the vets are charging in your area, and that includes cheaper places like shelters and such, so if you choose to go to a more expensive vet, that is a disadvantage for you). Also, I'm unhappy with the customer service, which once I got through was good, but anytime I chose the option to check up on my claim, it took literally 30 min. before someone would answer! Then when I chose the option to open a new plan, my wait time was (conveniently) only 5 min.I wouldn't recommend this insurance, too many loop holes.
  • INSURER: ASPCA
  • POSTED: 02/14/2008
  • BY: Carolina
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

You are Incredible

A little over a year ago our new 3 momth olg pup "STORM" had a horrible accident when he was attack by a neighbor's malamute. The dog grabed Storm's leg by getting his head under our fence . The leg was just barley hanging on. We rushed him to the emergency vet.clinic where they we able to save his life and with 4 surgeries they were able to save his leg.We had only taken Embrace out a few days before this happened.You were there from the beginning and followed us through the entire process...not only paying our claims; but also encourageing usas we went through the ups and downs of Storm's recovery. A couple of month ago he started having problems with his left back leg. He had a luxation of the patella and had surgery to keep it in place and is now recovering form that surgery. EMBRACE has been right there for us. In less than a month after the surgery,the claims have been paid to our satisfaction. It would be great if our our health insurance would be as efecient. As long has we have dogs ,we'll hvae EMBRACE!
  • INSURER: Embrace
  • POSTED: 02/13/2008
  • BY: Norma
  • BREED:
  • AGE OF PET: 0 - 3

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3

out of 5

ASPCA Pet Health Insurance, Canton Ohio

They use their own fee schedule, so even if they pay 80% for a particular malady, it is 80% of what they say is reasonable for your area. It is not based on your actual charges. I found this misleading.
  • INSURER: ASPCA
  • POSTED: 02/11/2008
  • BY: Oscar
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

Everything is excluded in fine, fine print

We have 2 English bulldogs who are now 16 months old. At the age of 4 months we purchased AKC healthcare for both of them. Our male had a cavity above his screwtail so surgery was performed in 8/2007. This was not covered because they said it was congenital but our vet, who had checked him since the age of 7 weeks, had never discovered it before. Our female started limping on her left hind leg in October of 2007 so our vet referred to a specialist. The specialist suggested inserting pins in her knee since it was very weak. We had this surgery performed in January of 2008 and, of course, this surgery was not reimbursed either. This insurance is a scam - DO NOT PURCHASE SINCE THEY COVER NOTHING!
  • INSURER: AKC
  • POSTED: 02/11/2008
  • BY: Joan
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Caring, warm, involved staff!

I wish that my own health insurance personnel were as caring as the Embrace staff. They kept up communication with me throughout the whole process and repeatedly reminded me to call if i had any concerns or questions. When i called, i was connected to someone who immediately knew who i was without needing to know my policy number, name, social security number, date of birth, mother's maiden name, grandfather's nickname, shoe size, favorite color, etc., as does my own health insurance. She even asked how my little missy was. How's that for amazing? Real people really caring. I say, G-D bless them with the same kindness they ALL show to us! Thank you, thank you, thank you.
  • INSURER: Embrace
  • POSTED: 02/05/2008
  • BY: Charolotte
  • BREED:
  • AGE OF PET: 0 - 3

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