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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.

10

out of 10

Roxie

We have been with Embrace for four years and I have been extremely happy with my policy and the customer service.
  • INSURER: Embrace
  • POSTED: 08/30/2017
  • BY:
  • BREED: Labradoodle
  • AGE OF PET: 1 - 8

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10

out of 10

excellent and efficient service

$11,000 + in bills for my dogs knee surgery followed by a post op infection with many days and nights at the vet hospital. All reimbursed by Embrace without question - pretty amazing!
  • INSURER: Embrace
  • POSTED: 08/30/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Real People caring about you and your family!

I did a considerable amount of research before selecting this company to insure my dog, who was a puppy, and my cat who was close to 7 years old. I have been with them for 4 years now and I cannot imagine being a pet parent without them. Anyone who has ever had a loved companion become ill unexpectedly knows of the incredible fear about getting the best treatment and how the cost of that care will impact you. When my puppy was 2, he contracted leptospirosis after a rural hike and was at death's door. Had it not been for Healthy Paws bearing the burden of the cost for his care and hospitalization, it would've been daunting. I was amazed that they processed the claim quickly and reimbursed me 90% of the covered costs, exactly as was stated in our policy. Fast forward a few years, and my now 11 year old cat, who was always the picture of health, has developed chronic vomiting. He underwent emergency procedures involving blood tests, a transfusion and an ultra sound. Sadly, test results made it clear to me that he was gravely ill and the chances of him surviving any further procedures were so slim, it wasn't fair to put him through it. Once again, Healthy Paws came through, reimbursing me 90% of the covered costs just like before. I think what stunned me the most was the sympathy card I received, with handwritten messages from their staff! I gasped when I opened the card and saw all of the thoughtful words. Doing some simple math, I actually think that Healthy Paws has reimbursed me for more than they've received in premiums. They have been a life saver, literally and figuratively. They are my "partner" in providing the best care for my furry companions. So, THANK YOU to Lindsay, Madisyn, Justin, Sherman, Katie, Stephanie, Shae (who even said to give Dashiell, our dog, extra pets when he lost his cat), Tim and Callisan. You have treated our family as if we are part of yours, and if I could give you more stars, I would!
  • INSURER: Healthy Paws
  • POSTED: 08/30/2017
  • BY:
  • BREED: Miniature Schnauzer
  • AGE OF PET: 1 - 8

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10

out of 10

I never knew pet insurance could be awesome!

I am very happy with this insurance.
  • INSURER: Embrace
  • POSTED: 05/09/2019
  • BY:
  • BREED: Bichon Frise
  • AGE OF PET: Over 8 years

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10

out of 10

I never knew pet insurance could be awesome!

I have had a great experience with Embrace and I hope to continue to do so
  • INSURER: Embrace
  • POSTED: 08/30/2017
  • BY:
  • BREED: Bichon Frise
  • AGE OF PET: Over 8 years

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10

out of 10

Speedy service everytime

About 8-9 days from time the claim is sent in to the time a check gets in the mail . outstanding customer service and caring .
  • INSURER: Embrace
  • POSTED: 08/30/2017
  • BY:
  • BREED: American Shorthair
  • AGE OF PET: Over 8 years

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1

out of 10

Vertigo or ear infection

I have been with embrace for many years. Thank goodness my babies have never gotten ill until 6/20/2017 when my lilo that is only 3 yrs old. She was shivering so I held her & put her on my chest. I checked her temperature & it was fine. In a split second her body curved, her eyes started going crazy, she couldn't keep her balance & threw up. I immediately ran to a 24 hour ER. The doctor observed/evaluated her, advised me could possibly be vertigo but in order to determine that they would need to complete an MRI. LILO had to stay in the ER for about 3-4 days to be evaluated. Counting my blessing she would be ok & knowing she was being well taken care of as well as knowing she has had health insurance to help me with hefty bill. Finally released I submitted the bills along with all the information that was done to her during those 3-4 days/nights she was at the hospital. I receive 3 different emails for 3 different claims (it was only 1 claim for all the time she was there). First nights bill is not covered because apparently it was due to a chronic ear infection which they are saying it was something pre-existing she had from 2014 and not covered. The ear infection was not found until the second night of her being at the hospital. I do not think nor believe a ear infection should be something considered as Embrace is stating that it is a "a dermatologic condition". I really don't understand that concept as an ear infection can be caused at any time for any reason as like a fever and should not be classified as a "dermatologic condition". I contact Embrace and spoke with Magen Fletcher who was very rude to say the least. She explained that I now have to submit an appeal. Asked her if she can contact the ER and speak with the doctor to obtain the information to re-evaluate the information better. She stated "no that is the job of the pet owner". I didn't know I had to do their job in order to obtain any and all information to determine the exact DX for lilo. She then sent me an email stating "As we discussed on the phone, you do have the right to appeal the claims. To do so you would need a letter from your veterinarian (which can be in the form of an email) stating why you feel these claims should be covered and any supporting information. The letter would be reviewed by our underwriters and they would make the ultimate decision on whether the claims can be modified". I have four dogs under this insurance and pay a nice monthly bill to have this insurance.
  • INSURER: Embrace
  • POSTED: 08/30/2017
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: 1 - 8

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10

out of 10

Thanks You so Much

To be very honest I would be that last person to purchase pet insurance, I always figured it was as scam or a waste of money. Then our family adopted Maddie and energetic,curious puppy who gets into everything. She came from the shelter with a month's free coverage from Hartsville Pet Insurance. I was reluctant to continue the coverage until I talked to a family member who has coverage for her cat. She convinced me to continue the coverage for Maddie 'just in case." Back in May we had a "just in case moment" with Maddie after she ate at least one, possibly two Aleve pain killers. She had to spend one full night at the emergency vet and the next few days going in to get fluids to flush out her kidneys. She is absolutely fine no residual effects at all and back to her crazy puppy self. The cost was almost $2,000 when all the vet bills were totaled. After we our $250.00 deductible was met we got re-reimbursed 90% of the total charges, close to $1,000. A Hartsville representative even followed up with a call to find out how Maddie was doing. As of today we up graded Maddie's policy from a level 2 to the Unlimited policy. Thanks to Hartsville Pet Maddie is well insured for what will no doubt be a long and adventure filled life. Thanks So much for caring. Mark Nunokawa
  • INSURER: ASPCA
  • POSTED: 08/30/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Great customer service!

Have been using Embrace for my dog this year and have had nothing but pleasant interactions so far! The claims are promptly and fairly addressed. Couldn't be happier with this service.
  • INSURER: Embrace
  • POSTED: 08/30/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Best decision I made was getting pet insurance

My puppy got real sick and I had to rush him to an emergency veterinarian in another town. Aspca never questioned anything and called a few weeks later asking how everyone was doing. I had my money back within 2 weeks.
  • INSURER: ASPCA
  • POSTED: 08/30/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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