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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.

1

out of 10

by far the worst

I have resubmitted a claim 3 times... Consistently told they haven't received all required documents... I m a retired sales manager & adept in following directions, so in my opinion all this is untrue and it becomes my word against theirs... Customer service is impossible to reach & totally inefficient... The shame of this is it was recommended by our local Human Society... I'm sure they are unaware of how terrible this insurance is...
  • INSURER: 24PetWatch
  • POSTED: 08/31/2017
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

Embrace is a GREAT company!

We have had Embrace for our 4 dogs since 12/2014. I did a LOT of research before choosing them. If I could, I would rate them HIGHER than a 10! This is the best company I have ever done business with. In order to keep the monthly premium for 4 dogs at an affordable amount, we have a $1,000 deductible on each. We chose $15,000 of ANNUAL coverage for EACH dog (a serious injury or illness can run into the thousands) and have a 90% payout by Embrace after the deductible is reached. I would say to anyone thinking about getting insurance for their beloved dog or cat, don't think twice....get it and go with Embrace. We have exceeded the deductible for our oldest dog in both 2015 (cancer surgery) and in 2016 (UTI / bladder stones / thyroid). Embrace has been great....they pay out EXACTLY what they say they will. There has never once been any issues with haggling over whether something would be covered. Some companies will limit the amount of coverage for a certain service or procedure. Embrace covers exactly what the vet charges. And, they process claims incredibly quickly....they let you know via e-mail when they have received the claim and then let you know as soon as they have processed it. When they owe you money, it can be direct deposited and it is into your account within 2 days after they have finished processing the claim. If you need to call, someone actually answers the phone; their employees are always extremely helpful and pleasant. They clearly care about animals. We recommend them everywhere we go!! Couldn't be more pleased. Incredible peace of mind!!!
  • INSURER: Embrace
  • POSTED: 08/31/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: Over 8 years

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10

out of 10

Just when you least expect it...

Our Golden, Leo, had become lethargic with severe GI issues. It was suspected he might have been poisoned or developed a tumor. Our follow up care showed no tumor and helped resolve the condition. He's back to his old self. Just as much relief was provided by Embrace's coverage. Simple submission of receipts and doctors notes led to a prompt review an payment of the claim. I was very impressed by the processing and follow up care offered by the team at Embrace. They have been terrific!
  • INSURER: Embrace
  • POSTED: 08/31/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: 1 - 8

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9

out of 10

Every pet owner needs pet insurance.

With the cost of current pet care every pet owner needs pet insurance almost as much as their own health insurance.After 7 days in emergency care my dogs bill was over $5,000.00.ASPCA pet insurance covered a large majority of this bill.What a huge help !!!!!!!!!!!!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Jack Russell Terrier
  • AGE OF PET: Over 8 years

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10

out of 10

Definitely worth the money!

Spent $97 for the yearly coverage and got back $800 for the vet bill. Money well spent!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Staffordshire Terrier
  • AGE OF PET: Under a year

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7

out of 10

ASPCA Pet Insurance - long time customer

I've been an ASPCA customer for about 7 years, with coverage for my two female Rhodesian Ridgebacks. Unfortunately, both of them have had bouts with cancer and I've needed to use the policy frequently. The submission process is adequate and the reimbursements are as expected. I do share the concern that another reviewer stated about pre-existing conditions. If I've had my pets with continuous coverage for 7 years, nothing after the first year (or 3 months for that matter) should be considered pre-existing. The result of the pre-existing clause is if you discover an illness the day before your anniversary date and treatment begins the day after your anniversary date, the treatment is not covered. With the rise of canine cancer and the frequent Vet decision to 'monitor for growth', this can leave you uncovered. I recommend adding ASPCA to your comparison list when shopping insurance, but considering their pre-existing clause, there may be better plans out there.
  • INSURER: ASPCA
  • POSTED: 08/31/2017
  • BY:
  • BREED: Rhodesian Ridgeback
  • AGE OF PET: Over 8 years

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7

out of 10

GREAT HEALTH PLAN

SO FAR I AM SATISFIED WITH MY CHOICE OF HEALTH CARE PLANS FOR MY BABY DARLEY. THE RATE IS RESONIABLE BUT I FOUND THAT THE WAITING PERIOD FOR REINBURSMENT WAS A LITTLE LONG...CONSIDERING IT WAS A WELLNESS CLAIM. I WISH THE REINBURSMENTS WERE HIGHER, BUT I'M SURE THE PLAN MORE THAN PAYS FOR ITSELF
  • INSURER: ASPCA
  • POSTED: 08/31/2017
  • BY:
  • BREED: Pit Bull
  • AGE OF PET: 1 - 8

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10

out of 10

I can't say enough good things

My two pets have used the insurance many times over the last three years. They saved me a lot of money. I don't always need it but when I do it is very helpful. I recommend them to everyone I know that is buying a puppy or has a pet!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labradoodle
  • AGE OF PET: Under a year

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10

out of 10

Far superior and user friendly

I have 2 dogs with another company. They charge deductible for every different illness. The last claim still hasn't been resolved 5 months later. None of these problems happen with our 1 year old pup. I would change today and insure the others with embrace if they didn't have chronic preexisting ailments. Very pleased with Embrace for new dog. Live and learn.
  • INSURER: Embrace
  • POSTED: 08/31/2017
  • BY:
  • BREED: English Springer Spaniel
  • AGE OF PET: Under a year

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10

out of 10

pets best came through exactly as advertised on a

Afte a bad previous experience over health care cost for an older cat companion I resolved to change that in my life. Ater 2 a year wait my kitten arrived, and I insured him right way with pets best illness and wellness programs. I felt this was the best and most economic way to raise and protect my kitten. On my first wellness claim pets best came through wth reinbursement in a week. Thank you pet best
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siamese
  • AGE OF PET: Under a year

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