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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

Worst experience ever.

I have sent the necessary documentation several times I get the same response. I have called several times and get the run around about why my claims are not being paid even though the customer service representative assures me that they will be. This has been a sham and I am angry that USAA would recommend such a lousy service to members. Perhaps I am the one bad experience here but something tells me I am not. If you are shopping for pet insurance, I would keep on shopping past Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Vizsla
  • AGE OF PET: 1 - 8

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10

out of 10

Prompt Reimbursement

Our Bichon Frise had bladder stones and required surgery. ASPCA reimbursed us for the surgery costs (minus the deductible) in a prompt hassle-free manner. The ASPCA pet insurance program fulfilled our expectations totally.
  • INSURER: ASPCA
  • POSTED: 09/28/2017
  • BY:
  • BREED: Bichon Frise
  • AGE OF PET: Over 8 years

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10

out of 10

First time I had pet insurance...happy I got it!

I have had pets my whole life and never had insurance for them. Very happy I got this for both my cats. Staff was very helpful on the phone, as I have eye issues and need a bit of help with the claim forms. Just received my reimbursement for an issue for one of my boys, and it was processed quickly. Confident Trupanion will be there for me should I need them again.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Devon Rex
  • AGE OF PET: 1 - 8

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2

out of 10

Save the money you would spend...

Take the money you would pay monthly for this insurance and put it in a savings account for your pet - you will be much better served (my vet suggested this when I first got the policy. I should have listened). I obtained this insurance for my dog when he was about a year and a half old. He did have a couple of pre-existing conditions for which I did not expect coverage (torn ACL in back leg and food allergies). I had this insurance for 3 1/2 years and Nationwide/VPI has declined both claims I have made for my dogs veterinary needs to one of the two pre-existing issues (yes, my dog is quite healthy and I have made only two claims). As a side note, when you want to dispute a claim, they make it incredibly hard and time consuming to do so. Most recently, I received notification from Nationwide two months ago informing me that my payment option was expiring (credit card) and that if I did not update the information, my policy would lapse. I purposely did not update the information because I had decided I did not want the policy anymore (no payment was taken in April as expected.) Nationwide somehow found a way around the need for my updated information and began charging me again in May and June. I discovered the payments just after the June payment was deducted (the new charge had a 30% increase as well!) I immediately called them to find out how this happened and ask for a refund. The customer service representative simply said that they kept re-submitting the charge until the bank finally accepted it. I then explained that based on the information they sent me, I purposely did not update my information because I wanted the policy to lapse and I would like a refund. After a bunch of policy quoting and run around, I got no where except to have my policy cancelled as of today. If I want to attempt to receive a refund for the charges in May & June, I need to write a letter and provide supporting documentation to get it. This organization has demonstrated to me at each turn that the only thing that matters is the almighty dollar and they are going to do everything get and keep the money they received from their customers. I strongly, STRONGLY recommend that you do not choose this provider.
  • INSURER: Nationwide
  • POSTED: 10/12/2017
  • BY:
  • BREED: Bullmastiff
  • AGE OF PET: 1 - 8

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10

out of 10

Great Service and Support!

Thank you, Embrace...for helping me with Tinker's care. Your online and telephone support staff are helpful, kind, and courteous. I am so glad my veterinarian referred your company to me. Nancy and Tinker
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Coton De Tulear
  • AGE OF PET: 1 - 8

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10

out of 10

Consistent and Efficient Life Savers

My dog has had two serious surgeries in the course of his life. Both times he was covered by Healthy Paws and both times we were able to put Basha first as opposed to worrying about the costs of these particularly costly surgeries. The instructions for reimbursement are clear and easy to follow, and I consistently feel like I'm working with a group of people (not a corporation) who genuinely care about providing the service for my pet.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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10

out of 10

Reimbursements

I let several months go by before submitting over a dozen invoices from my Vet Hospital. Within two weeks, Embrace reimbursed what was allowable under my policy - the deposits made directly to my checking account. I was and am, very impressed with the efficiency and thoughtfulness that Embrace and its staff bring to the table. I am so thankful that I bought this policy when I got my dog in August 2015. I plan to continue with it, without a doubt!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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9

out of 10

GREAT!!!!

I THINK THEY WERE WONDERFUL. I DID NOT EXPECT THIS
  • INSURER: PetFirst
  • POSTED: 09/28/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Simply the BEST

I had a recent illness claim for my puppy Mia, the bill was very expensive having barium series, IV Vet stay, meds. I have the 80% reimbursement plan. The money was back in my checking account with a couple of days. This insurance is the best even better than what we have on ourselves! Always extremely helpful staff and you don't get the run around, they never look for reasons not the cover any claim. Totally hassle free, EMBRACE is the BEST!!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Insurance coverage is great

They processed the claims fast. Anytime I have called, all the representatives are courteous, pleasant, helpful and willing to do anything they can to assist you.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Over 8 years

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