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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

Wonderfull and Compassionate Insurer!

Unfortunately our poor little Archie, at only 5 1/2 months old, had to be put down due to acute Diabetes with organ complications. It is so sad when a family pet passes on but even worse, when it is a puppy that should have had his whole life ahead of him. We were devastated!!!I would like to extend our thanks to Pets Plus Us for their over-the-phone compassion and for their valued assistance which was provided to us during this horrible time. I highly recommend Pets Plus Us as it provided our family with peace of mind during the discovery process of Archie’s illness which in turn allowed us to provide all the necessary care that he so desperately needed during his short lived life. Our decision to insure our beloved pet with Pets Plus Us was the best decision we could have taken as responsible pet owners. After numerous vet visits, the bills started to add up and not once did we ever consider not pursuing his illness because of the expense associated with it! My claims were processed in under 14 days and the last and most expensive claim was processed in under a week. Moreover, a donation was made in Archie's memory. I commend their friendly staff and never felt alone, which is of paramount importance during a crisis such as this! I will absolutely insure our next puppy/dog with Pets Plus Us solely based on my experience with this company.
  • INSURER: Pets Plus Us
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Schnauzer
  • AGE OF PET: Under a year

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8

out of 10

Embrace Insurance is extremely user friendly.

I appreciate the customer service, the email reminders, and the people on the other end of the phone line helping me learn how this insurance works. I added the wellness package and with the new puppy, it's been worth every penny. I gave this insurance a 10, but I've never had this type of insurance before.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Afghan Hound
  • AGE OF PET: Under a year

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5

out of 10

claim processing time not consistent

My biggest complaint is the processing time, which is not consistent. There is always some problem. They often wait till the last minute to ask for needed documents which often are sent along with the claim if I have them, i.e. lab results. Which further delays the claim processing. I understand the need for medical veterinary documentation to support the claim. But it changes from claim to claim. But if something is needed, it should be sent to the pet owner and vet right away and not wait until the claim is almost finished. It has taken as much as a month to process one claim I had. When one is on a tight budget as I am and with multiple pets, I need my claim processed in a timely manner. 80% of the time it is processed on time but lately its taken almost a month. About the same as VPI which is one reason why I left that company. I've been with Petfirst since 2007 and I've been fairly happy as the costs for coverage are very reasonable but the rates are going up each renewal. But thats inflation. Not sure I would recommend PetFirst on processing time. It seems that there is always a problem. My suggestion is to provide an area for pet owners to securely download needed documents versus fax because half the time their fax isn't working. Like this week. I didn't find this out until they said they didn't receive medical notes from the vet who faxed it to the number on the claim sheet. Ysterday. But noone informed me the fax was down when I called yesterday. Ugh. The same thing has happened when I have emailed claims. "Oh we never received it". This is unsatisfactory. This is my biggest pet peeve with this company. Otherwise, I'm fine.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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1

out of 10

Would not choose again

After spending over $15,000 in 11 months for a bad vaccination we decided that our new dog would be fully insured. We went with their best plan. Now, I wish I hadn't chosen Nationwide. After being told that I did not need to submit medical records I was told that I did after submitting my first claim - which by the way was for vaccinations and a neuter - nothing more than what responsible pet owner provides for their pet, no crazy treatment or illness, just routine items. I was told no more than 30 days for them to be reviewed and my claims processed. On day 30 I called to find out what was going on - I was told that they needed 30 MORE days due to heavy volume to process my records and that a letter was mailed to me two days prior but it might take longer to get to me because I am in MI and it was mailed from CA (these are not the days of the pony express people). Funny how I get emails on everything else but that. As far as I can see if you are asking me for double the time frame you must have double the workload (which clearly you are not staffed for) which means that you are failing to meet the agreed upon expectations of 50% of people in my shoes. Not a good sign. I have a feeling that if I were to ask for 30 more days to make my premium payment they wouldn't be as understanding as they expect me to be. More than likely I would get cancelled. Unfortunately, I am at their mercy. Nothing about my experience with Nationwide has been good or as promised. Given that I have yet to get a cent on my claims I am giving them a rating of 1.
  • INSURER: Nationwide
  • POSTED: 08/31/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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10

out of 10

Very happy

Claim submissions and reimbursement is smooth and timely. I am very happy with Embrace.
  • INSURER: Embrace
  • POSTED: 05/09/2019
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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1

out of 10

Horrible horrible insurance

If you like doing lots of paperwork to no avail, then get this insurance. They are terrible, take forever to respond, and most of the time, don't pay.
  • INSURER: 24PetWatch
  • POSTED: 08/31/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: Over 8 years

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10

out of 10

Very Satisfied

Embrace pet insurance is very quick on the reimbursements usually get my money within 3 days of the initial submission of the claim. I never had to deal with any issues on getting my reimbursement. Highly recommend
  • INSURER: Embrace
  • POSTED: 08/31/2017
  • BY:
  • BREED: Doberman
  • AGE OF PET: 1 - 8

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10

out of 10

Claims

I submitted my pets insurance claims and received a response the next day confirming receipt. The checks were sent to me within 10 days. Great Job! Gina B.
  • INSURER: ASPCA
  • POSTED: 08/31/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 8 years

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10

out of 10

Cici's journey

Having insurance allowed my pet to have tests to determine the extent of her situation.
  • INSURER: Pets Best
  • POSTED: 08/31/2017
  • BY:
  • BREED: Italian Greyhound
  • AGE OF PET: 1 - 8

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10

out of 10

Awesome service

I receive feedback within 2 business days of filing a claim and I am reimbursed within a week.
  • INSURER: Embrace
  • POSTED: 08/31/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: 1 - 8

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