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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.

9

out of 10

There When We Needed Them

My family purchased an 8 week old English Mastiff. His name is Mister Bones. How could you not just fall in love with a dog named, "Mister Bones"? Anyway, because my research found these dogs have the potential varies health issues, I purchased a policy. Additionally, I opted to have my vet fill out the additional paperwork so my waiting period, for specific maladies, would be reduced to 2 weeks (I found this only required the vet to perform a more extensive physical exam and didn't appear to be much of a bother to the vet). Literally, thank God we had pet insurance! Being a giant breed dog and understanding how hard puppies love to play, we very quickly began to reap the benefits of the policy. But, the real benefit came when we realized my dog had elbow dysplasia and required surgery, as he had a fractured coronoid process. After the X-rays, CAT scan, surgery, meds, and physical therapy that followed, we were comforted to know that our financial obligation would be severely offset by our policy. If we did not have this policy and were faced with just the surgery related bills, which were in excess of $4700, the decision to perform surgery and to do so at a top rate facility in our area would have required us to rearrange household finances to figure a way to mitigate such a large unexpected expense. The claims process could not have been easier. Each claim took, on average, approximately 5 days from the time I placed my claim until the time the funds were placed in my account. Each time I have called PetsBest, I have been treated with the utmost politeness and professionalism. No question was to difficult and every concern was addressed. While I would agree the rates may be a little higher than some other polices one may obtain, I think it is well worth the ease of mind and quality of service. My only disappointment is the substantial increase in my policy. Although I am told it had nothing to do with my claim history, I can't help but wonder, as I took my policy limits right up to the yearly maximum. With this in mind, we will still pay the premium because if faced with another medical emergency or unexpected illness, we would rather be safe than sorry..., and broke! Because I believe my increase was somewhat high, I have downgraded my overall rating to 9. Had there been a modest increase in my policy, PetsBest would have received a 10. Overall, I am most impressed and satisfied with the service on my policy.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mastiff
  • AGE OF PET: Under a year

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9

out of 10

Trusted

I've had Embrace since I got my rescue dogs almost 6 years ago and I'm so glad I did, because one especially has really needed insurance - two bouts of cancer and almost died from pancreatitis. Embrace is pretty affordable, has reimbursed me for a lot of her care, and they are really friendly and helpful to engage with - good online systems and responsive people when you need them.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Cocker Spaniel
  • AGE OF PET: Over 8 years

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10

out of 10

Embrace is he best--plain and simple.

Customer service is top-notch, I've never had to wait more than a couple minutes to speak to a person, and they're always very personable and willing to help!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Brittany
  • AGE OF PET: 1 - 8

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10

out of 10

Insurance that really cares!

I've carried this policy for sometime and never really had to use it except for this year. The couple of times I submitted a claim, I was pleasantly surprised. Claims were handled quickly and efficiently. But the best part was that I received a call from customer service and they asked how my dog, Harley was doing. My own health insurance doesn't even do that for me! ASPCA just doesn't collect the premiums and treat you like a number, they sincerely care about your pet and you.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: Over 8 years

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10

out of 10

LOVE LOVE LOVE Embrace!!!

I have had Embrace on our Mastiff for the last 4 years. Unfortunately he has been plagued with a number of chronic illnesses. Embrace has always been there reimbursing our claims with no issues at all. They are fast and SUPER friendly. We just added our new dog to our policy, fingers crossed we don't have to use the insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mastiff
  • AGE OF PET: 1 - 8

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10

out of 10

Thank goodness for Healthy Paws!

I signed up for Healthy Paws pet insurance last summer when I adopted a puppy from my local Humane Society. I've had many dogs in my lifetime, but had never purchased pet insurance. I guess I always figured that the investment wouldn't ever really come back to me and that it might be a huge hassle needing to deal with claims, and the like. However, the last dog I had ended up costing me thousands after some unfortunate run-ins with wildlife, and his injuries continued to plague him (and us financially) until he passed several years and tens of thousands of dollars later. So, when we got our newest addition, we knew that we wanted to try out an insurance program.Of course, within the first year, she has had a terribly split toenail that needed immediate medical attention as well as a large mass that needed to be removed from her back leg, requiring surgery. Normally, this would have caused some serious emotional and financial stress. But, I am thrilled to share that Healthy Paws made the claim and reimbursement so incredibly easy that I could focus all of my energy on my sweet puppy. I literally just snapped a photo of the vet bill, sent it to the company through their app on my phone, and was quickly approved and sent a check. My experience in both instances (i.e., split toenail and surgery), were handled in such an easy, streamlined and efficient manner that I will be a lifetime customer of this company and sing their praises wherever possible. Oh! And they emailed me after the claim cleared just to see how my dog was recovering!!! It's like they actually care! If you are considering pet insurance, I give this company my highest recommendation. I also highly recommend insurance for your pet in general. I have had an absolutely flawless experience with this company so far, and I can't think of many businesses that I can say that about.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Works just like it should

Healthy Paws is excellent. Much to my shock, it works exactly like it should. No surprises, no push back or negotiating, you get exactly what you sign up for. Healthy Paws allows you to focus on what's most important which is getting the best care for your pet
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

The Best Policy I could EVER have had!

I could not say enough for the ASPCA policy I have. I searched out several before purchasing this one. My veterinarian and soon to be veterinarian son (: both recommended this one. It has been easy to purchase and manage and understand. Unfortunately, my Golden Retriever was diagnosed with lymphoma in November - fortunately, he is in remission with his chemotherapy protocol and had done well with his treatment. We expect that he will continue to do well for some time thanks to his treatment. I am very thankful for this policy that was extraordinarily helpful in managing the challenging financial challenges of his treatment. The claims were easy to submit, I do them weekly via fax. I receive notification of their receipt weekly via email and payment is easy to understand, fair and prompt. It makes a huge different in this whole process. In addition? Every now and then I get a message from ASPCA insurance reps asking how we are doing. That never happens with my Blue Cross Blue Shield reps! They are the nicest, kindest, smartest claims reps I have encountered (and I am a psychologist who works with claims - I KNOW!) I am just as grateful for their interactions in making this an easy and warm process as I am for the insurance. I am happy to refer them - and do so often! Many thanks!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: Over 8 years

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10

out of 10

Healthy Paws Experience

Healty Paws processed our claim very fast, the mobile app helped us reducing the paperwork. We focused only on helping Miah on her recovery.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

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10

out of 10

Highly Recommended!

Most people probably consider pet insurance to be a luxury item. But honestly, HealthyPaws has been an absolute lifesaver, and we will never be without insurance again! Insurance for both our dogs paid for itself in the first year. And honestly, the monthly premium is so worth having the peace of mind to know that if either of our fur babies get seriously sick or hurt, we don't need to choose between paying our mortgage and paying for their medical care. We've had HealthyPaws insurance for a few years now. After our lhasa got attacked by another dog, resulting in a $600 vet bill, and then had to have eye surgery, costing well over $1k, we figured that insurance was the way to go. And boy, were we right! When our poor guy hurt his back, HealthyPaws reimbursed us for medication, x-rays, and everything else that we needed to make sure he got back into good health. He's about nine years old now and still acts like a puppy! When we adopted our second dog a few months ago, we immediately signed her up for HealthyPaws. Unfortunately, she recently developed a fast-growing tumor on her eye, we were able to get her the surgery to remove it without having to worry about how we were going to afford the procedure and medication. On the customer service side, HealthyPaws is an amazing company. Quite simply, they do exactly what they advertise: they cover all illnesses and injuries as long as they're not pre-existing at the time you sign up. There's no hassle, no weird caveats, or fine print to trip you up. They just follow the formula, and you get reimbursed. It's THAT easy. The first claim can be a minor hassle, since you have to get all your dog's paperwork from the vet, but after that, submitting claims is an absolute breeze. (And if you get insurance right when you adopt your dog, it's a lot easier, because you can just submit all the paperwork from the shelter.) Both the HealthyPaws app and the website are ridiculously easy to use. You upload copies of your itemized vet bills, and usually within a day or two, you get your explanation of benefits, and the reimbursement check comes a few days later. The whole process takes less than a week. I think you can also use paper forms, but we've always used the electronic claim process, and it is so fast and easy I don't know why you'd ever do anything else. What I really love about HealthyPaws is that every single person I've ever dealt with has been helpful, knowledgeable, and downright pleasant to deal with, e
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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