Find and read reviews with confidence

Cat Cat

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

Speedy claim recovery and timely follow-ups

Never thought pets needed insurance, but at my wife's behest, researched a ton and decided on Embrace. We have a 2.5 year old Yorkie who has had no issues until the last few months, when he dislocated a rear leg and had some breathing issues. The vet bills immediately started stacking up and we are so relieved (and happy) that we decided to purchase insurance from Embrace. Claim checks received in the mail within a month of vet visits, and timely follow-ups from customer service representatives. Definitely recommended from a happy customer!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
10

out of 10

THE BEST PET INSURANCE COMPANY EVER!

I am not someone who typically writes reviews; but, Healthy Paws is such an amazing company that I want to shout it from the rooftops! I rescued a kitten, Murphy, last summer, and knew that veterinary care was part of being a responsible pet owner. As a graduate student, my income in very limited. Thus, I started researching pet insurance companies almost immediately. After thorough research, I settled on Healthy Paws because: (1) Premiums cannot be raised based on how many claims you submit, (2) There is no lifetime limit on coverage (this is especially important given the lifespan of cats), (3) You can visit ANY veterinarian you want (including specialists) and be reimbursed based on your specific bill... Not predisposed charges set by the insurance company, and (4) It's also a foundation that helps homeless pets. I chose the $100 annual deductible with 90% reimbursement. Signing up was incredibly easy, and my monthly payment is so reasonable for the comprehensive coverage being offered. Now, I will admit that there was a part of me that felt like Healthy Paws might be too good to be true. In the back of my mind I always wondered if, come the day I actually needed to use the insurance, my claim would be denied based on some loophole I was unaware of. Well, fast forward to about six months into our policy. We noticed Murphy had stopped eating, and new he needed to be taken to a veterinarian immediately. I checked Healthy Paws' iPhone app, which has an incredibly transparent and helpful FAQ section, while I was in the waiting room to ensure that everything regarding this visit would be covered. Murphy had to be hospitalized overnight, and several diagnostic tests and medications were administered. All in all, Murphy's visit cost $1200.00. At checkout, I asked for an itemized receipt and uploaded it to Healthy Paws' iPhone app for reimbursement. To my amazement, the claim was processed and approved LESS THAN 24 HOURS later. Healthy Paws literally covered every service from the second they took Murphy back from the exam room. I received the reimbursement check in the mail in about 4 days, and the sweetest follow-up email from Healthy Paws' customer service department checking on Murphy. This company's integrity and customer service is TOP NOTCH. I can't convey the peace of mind this policy gives me; I know now that I will be able to provide Murphy with the best veterinary care for the rest of his life without having to compromise on his treatments or worry a
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siamese
  • AGE OF PET: Under a year

Did you find this review helpful?

Yes No
10

out of 10

Pet insurance with a heart

I have two miniature dachshunds and they are my pride and joy. Before I got them I did a lot of research on which breed would best suit my lifestyle, and all books about dachshunds mention that back problems (IVDD specifically) are a real risk.I have wanted a dog for all of my life but have always considered them to be a responsibility to be taken very seriously. Although I am now in a great situation to finally have pets, an expensive vet bill is still a risk (and IVDD treatments can cost up to $10,000). Getting a pet insurance was therefore a no brainer for us. Because my husband and I are with USAA, we were recommended Embrace Insurance. After doing some research, it seemed like one of the best pet insurance out there. We have been very diligent in sending Embrace any update (microchip and neuter status), and waived the waiting period for both our dogs by submitting an orthopedic exam from our vet. Last month, Cashew started acting weird and was diagnosed with paraparesis, a sign of IVDD. Our vet recommended immediate action for his pain and comfort, as well as a solid rehab program for the future. When I called Embrace to check that these items would be covered, they were extremely helpful on the phone as well as compassionate (it was a really hard time for me, knowing that my baby was in pain). I also asked my vet to fill in the pre-certification form for all our future expenses, including acupuncture, laser therapy, electrical stimulation and a complete rehab package, and got a very quick response from Embrace that it would be covered. It's now been more than three weeks since Cashew's condition has been diagnosed and he is back at 95%!! Our vet has done a fabulous job, but Embrace also deserve a huge thank you. They were quick and lovely to deal with, and I cannot recommend them enough. In my opinion, being worried about your pet's health is horrible enough, being worried about paying for care is a nightmare you really don't need. Embrace made it so that I could concentrate on the important things and do whatever was necessary for my baby to get better!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dachshund
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
10

out of 10

One of the best things we have ever done!

Embrace is great!! easy to use......responsive.....updates come timely.....great experience for a first time pet owner! SOOO much easier than insurance for the other members of our family.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Under a year

Did you find this review helpful?

Yes No
10

out of 10

More companies should operate like Embrace!

In today's world where we deal with so many different companies every day, it's important to recognize companies like Embrace that provide an outstanding customer experience instead of just complain about the bad experiences. Their processes and communications are clear and concise, and ensure that the customer understands every step of the way. Every employee I've ever worked with throughout the claim process has treated me respectfully and treated my claims with the utmost care and professionalism. Kudos to all, and WOOF from my Bear!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Newfoundland
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
10

out of 10

Great service, no hassle, quick turnaround

We are so impressed with these guys (and gals) at Embrace. They process the claim and send a check before the credit card bill arrives. Sweet! The nicest thing is that our vet will file the claim for us; they do this for Embrace policy holders (but NOT for those of the other insurance companies) because it's easy for them and keeps us happy. We have not had any major illnesses, but I think we've already gotten back in nine months nearly as much as the cost of the policy. It adds up fast.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Shepherd
  • AGE OF PET: Under a year

Did you find this review helpful?

Yes No
1

out of 10

Please read, this could happen to anyone

I have always carried pet insurance on my dogs (and I recommend that all do this). I chose ASPCA insurance based upon the reputation of the ASPCA. Our plan ran from January to January. In december a routine exam showed my dog was anemic. Initial testing ruled out the common causes. Further testing continued into January, where a serious autoimmune disease was diagnosed. To my shock all claims after January 1 were denied. Why? because the insurance has a clause that coverage for any continue cannot continue into the next plan period. So since my dog got sick in December, we only had two weeks to diagnose and treat this condition. May I point out that they denied me any further coverage before we even had a diagnosis. So much for my fancy Level 4 plan. Run like the wind from this insurance company.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Maltese
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
2

out of 10

Not surprised

Took our 10 month old kitten in for unspecified pain in the rear end. Physical exam showed no obvious injury. Blood work came back normal. Vet expressed her anal glands as a possible cause was sent home with pain meds. During the exam the vet on call noticed she had she oral issues with her adult teeth. Embrace has now decided our visit was for dental issues and never even addressed the reason we took our kitten in. We made a separate appointment for our kitten to have her mouth evaluated by our regular vet who sent pictures to the specialist. I notice looking at our online pet portal that our kitten is now listed as having diarrhea as a pre existing condition when she was less than two months old. Embrace came highly recommended. I feel a bit disappointed and thankful this wasn't a full blown medical emergency. Now I have to wonder if they're going to use baby kitty runs as a reason to cover nothing the rest of her life.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Longhair
  • AGE OF PET: Under a year

Did you find this review helpful?

Yes No
10

out of 10

Great pet insurance

I'm very happy with ASPCA pet insurance. I love the fact that the deductible is per year and not per incident!!! I think Ruger my min pin has better health coverage than I do. Also, I know it sounds like a lot per month, but it is much easier for me to budget the monthly cost than to cover a vet bill. Having the insurance allows me to make decisions on the best care for my dog without the money factor interfering. The claim is easy to file and if more information is needed they get it from the vet.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Pinscher
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
10

out of 10

Quick and concise

I recently put in 2 claims for my golden retriever pups office visits ( one to diagnose the problem, and one to follow up a week later. I submitted the claims when I got home on the computer. It was easy to do as I could scan the bill from the vet and my payment stub. The form was easy and quick. The turn around time was quick as well.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No

Get a quote today

Leave a review