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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

Knowledgable

I also had a terrible experience w/VPI after a few years with them. I am a certified medical coder so know all to well insurance terminology and coverage issues. I have submitted a couple of claims and have been taken care of in a timely fashion. I am comfortable with their expertise and I also admire their concern with my beloved pets!! Yes, Pets with an "S"
  • INSURER: Embrace
  • POSTED: 01/19/2008
  • BY: Diana
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

A pleasure doing business

My entire experience with Embrace has been fanatstic. They stand head and shoulders over VPI. Contact response time has been fast and personal. Their detailed explanations have been clear and easy to understand as is the website where they have everything needed to make an informed decision.
  • INSURER: Embrace
  • POSTED: 01/18/2008
  • BY: John
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Covers what many other companies don't

What I have found most excellent about Embrace is not only do they cover what most other companies don't, you can customize your policy to be affordable. Anyone with a multiple dog household knows how expensive it can be to have multiple policies. By taking the largest deductible & co-pay, along with the highest yearly payout ($10,000), plus I took coverage for prescriptions and continuing care, I was able to get a policy for my Great Dane for under $250 a year! Anyone reading this with a big dog knows just how expensive medical care can be for the big dogs! Of course, your policy will vary depending on how you customize it. I did not want a policy that covered routine items. To me, that is just part of owning a dog and just drives up the cost of a policy. Just like a human, I needed coverage for those major illness or injuries that require major medical care. My Embrace policies give me piece of mind that I can afford to cover all my dogs for major medical emergencies. Plus, working with Lea at Embrace has just been awesome!
  • INSURER: Embrace
  • POSTED: 01/14/2008
  • BY: Ronnie
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

My First Claim

Embrace covered my pets entropion surgery when other companies would not. The only negative experience I had--was it took 15days to process my claim and I was expecting a quicker turn around time. Embrace did communicate to me that since it was my FIRST CLAIM it would take up to 15 days to process. I guess all good things come to those who wait. I highly recommend Embrace!!
  • INSURER: Embrace
  • POSTED: 01/07/2008
  • BY: Gwendolyn
  • BREED:
  • AGE OF PET: 0 - 3

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4

out of 5

Much better plan

I had VPI and the same experience with no pay or little pay. I have three shelties. I switched to ASPCA. After speaking to their representative for a long time he explained how they figure the charges and it definitely is better done this way than the way the others do it. Getting a check for $10 for a $200 bill is something I didn't like after the cost of the insurance. My oldest also has lyme disease and after one antibiotic treatment which was not enough, VPI turned all the subsequent treatments down and didn't pay anything. Rip off.
  • INSURER: ASPCA
  • POSTED: 01/03/2008
  • BY: Nancy
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

Does Not Cover Chronic Conditions

My Puppy was enrolled in ASPCA insurance and ended up having pretty severe allergies. For the first year ASPCA was pretty good about paying on my claims. HOWEVER after renewing my policy (I never missed a day of payments) they told me chronic conditions like allergies are not covered after the first year!!! So if your pet gets diabetes, or glaucoma, or arthritis, or anything which is considered on going SORRY you are out of luck next year they won't pay for it. And then you are stuck because NO other company will pay on pre-existing conditions. Even the ones who say that they will only pay between 100- 200 dollars over the lifetime of the pet. PLEASE STAY AWAY!
  • INSURER: ASPCA
  • POSTED: 12/22/2007
  • BY: Sarah
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

100% Recommended

Embrace Pet Insurance contacted us after a terrible experience with VPI. We just had to file a claim and it was all settled in less than a week. They are deeply committed to our dog's health and we recommend them to our friends without reservation.
  • INSURER: Embrace
  • POSTED: 12/21/2007
  • BY: Barry
  • BREED:
  • AGE OF PET: 0 - 3

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3

out of 5

Great for senior pets

Although I have had a couple of negative experiences with Petshealth, I must say that they seem to be the ONLY pet insurance company willing to insure older pets. They will insure dogs up to 13 years and cats up to 15 years. They will even insure the pet with their top plan, regardless of age, if there are no pre-existing conditions. I have a 13 year-old cat who has never been sick a day in his life. I was able to insure him with Petshealth under their most extensive plan. A few things to watch out for, though. First, unless you get their top plan that covers chronic and/or recurring illnesses, if your pet is diagnosed with some illness and/or injury in one plan period, as soon as the plan period renews, it is considered a pre-existing condition and coverage will stop. This is a bad deal if, say, your pet is diagnosed with cancer a week before your plan renews because in just one week, the coverage for the cancer will stop. That's crappy. Also beware that any congenital and/or hereditary condition is not covered on ANY of their plans. So, that immediately excludes a boatload of illnesses as there are lots and lots of disorders known in hundreds of breeds. But, again, if you need to insure a senior pet, this is probably the only option you really have.
  • INSURER: ASPCA
  • POSTED: 12/20/2007
  • BY: Mary
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

Terrible Claims Department

I canceled coverage with them after only several months. None of the claims I submitted were paid. They used one of two excuses - either the condition was classified as pre-existing (an infection located in an entirely different part of the body from a previous one) or routine care (since when is accupuncture routine???).
  • INSURER: Embrace
  • POSTED: 12/17/2007
  • BY: Bill
  • BREED:
  • AGE OF PET: 0 - 3

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2

out of 5

The Claims Processing Predicament

I've had this Pet Insurance since March when my new puppy came to me as my forever partner to replace my 12-yr-old SD; I've had several visits to the vet and need to process my puppy's claims; it seems impossible to download claim forms from their web sight, and this is bothersome; in responding to the comment whether claims should be processed if more than 90 days go by, to me they should be processed up to six months following treatment; unless the company has some compelling reason to require the 90-day rule, and I can't think of what it would be--if there is such a rule, there ought to be reasonable exceptions to it--on a case-by-case basis. Incidentally, the Dog Law books should be on our shelves for quick reference when needed!
  • INSURER: AKC
  • POSTED: 12/15/2007
  • BY: Sister
  • BREED:
  • AGE OF PET: 0 - 3

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