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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

Healthy Paws Is The Best

After a lot of research, I found Healthy Paws. Unlike almost every other pet insurance company out there, they offer unlimited annual coverage. Charlee became very ill a few weeks ago and needed hospitalization to stabilize her condition, and then a series of tests to identify what the problem was. It was a very upsetting time, and would have been very difficult financially, had I not insured her. Healthy Paws made the claims process so seamless, and the check was in the mail within a week. I can't recommend them highly enough.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Terrier Mix
  • AGE OF PET: 1 - 8

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1

out of 10

Never again!

I signed up for this in the event of catastrophic illness for my Golden Retriever. I paid (escalating) premiums for 2 years in spite of no claims. When my veterinarian's office began routinely submitting all visits, I was shocked to learn that taking Dasuquin as a joint supplement made the dog ineligible for any services relating to joints or joint injury. Fortunately we did not have a problem with his leg. Unfortunately we learned that we wasted 2 years premiums because their plan is to disallow. This was a wake-up call, I cancelled and regret signing up in the first place. They should refund my premiums based on their claims of coverage which I actually didn't have, according to their rules.
  • INSURER: Nationwide
  • POSTED: 10/12/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Sign up today!

I've used Embrace for years now and love it. I have 3 pugs, 2 with chronic illnesses and having insurance is a lifesaver. The staff is always helpful and reimbursement is very fast. Would strongly recommend signing your pet(s) up with Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

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10

out of 10

Best Customer Service

Healthy paws has helped me get back both my claims within 3-4 days. The check was at my door step a week within submitting the claim. I had a concern once and was able to speak to an actual representative within a minute or so. Couldn't ask more from an insurance company.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Basenji
  • AGE OF PET: Under a year

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6

out of 10

claim mistakes

mistakes : Embrace claim staff attempted contacting wrong vet service, required med history already on file, closed claim for no response from wrong vet service, etc., etc., But , after calling 3 times, the claims manager was able to straighten things out, very frustrating time for me. I would like to add the 1st wellness claim I submitted before this claim was handled without a hitch and done in a very timely manner, just wish this more recent claim could have been handled better.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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9

out of 10

Worth the wait

Despite the time it took (just shy of 3 weeks) to get the reimbursement, I am so impressed with PetsBest Insurance! It is so comforting knowing the bill I paid up front wasn't near the amount I'd end up paying in the end. They stand by their word. They covered everything after the deductible and my percentage had been met. The bill was 461 and I received 316 back. I am so grateful there are honest companies out there willing to help me with my unhealthy little one. I give this company 5 stars!!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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10

out of 10

What a relief!

I've been with Trupanion for 9 years (was called Vet Insurance before.) I've attained coverage for my dog ever since I adopted her, when she was only 3 months old. Been paying premiums her entire lifetime so far. Suddenly, her thorax (chest) and neck have been swelling up, not wanting to take long walks, panting more often during the short walks. Took her to the vet, and sure enough, she has a benign tumour in both these areas. Panicking, crying, and worried, I had absolutely no clue how to even start the whole insurance thing. I called them and said all this too. They were extremely supportive, giving me easy instructions on what to do next. They emailed me to give me the same instructions on the phone, to put in writing, as my mind was frantically worried over my dog. Out of the total cost of $1055.15, we received $755.91 back from Trupanion. As my dog needed surgery for tumor removal, this was %90 covered. It is very clear in the policy that anesthesia, preanesthetic bloodwork, or fluids are not covered. At the same time, dental care needed to be done, and this too, is a policy exclusion (i.e. there's no coverage for dental care and prevention/prophylaxis.) Just as we humans don't have coverage for preventive care (e.g. multi-vitamins, echinacea, Boost/Ensure, etc.), I totally get it with the policy exclusion on preventive/prophylactic care. My claim took 2-3 weeks. So I'm very content. Way faster that any Canadian waiting for their Medical-EI benefits. For those who mention that it takes an excruciating long time to have their claim approved, I advise to speak to your vet/clinic. Sometimes, the vet is extremely busy that they haven't sent all the reports that Trupanion is asking for, that you might need to verify with your vet/clinic that every single form has been submitted from their behalf. I've asked Trupanion what exact papers (word-for-word) is needed from my Vet, and even though Trupanion calls and emails my vet, I still go see my Vet in person, to ensure that me *and* the clinic are doing our part in submitting every piece of paper that Trupanion is asking for. In short, verify and clarify with your vet/clinic that they've sent *everything* that Trupanion is requesting. By the way, when I called Trupanion upon receiving the diagnosis for the first time, I was still at the clinic. Trupanion was requesting an estimate from my clinic. I sent it through my smart phone while I was still in the clinic. Unfortunately, the estimate was handw
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: Over 8 years

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9

out of 10

Great Insurance Program, Skyrocketing Price

We have been using Pets Best for the last 5 years and are generally very happy with their program and customer service. However, because the cost of the policy has skyrocketed over the last 2 years, we are now questioning the cost/benefit of the program and will begin to look into other insurance programs.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Schnauzer
  • AGE OF PET: 1 - 8

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9

out of 10

Professional

From time to time my Boxer Cyrus, because he is so active will get injured in some way or injest something he shouldn't. Also this breed in particular causes me to check him for bumps on his skin because of the possibility it may be cancerous. Regardless of what the reason is it usually means a visit to the Vet. Embrace is Always very kind and professional on the phone and seem to really care every time I call. The processing time is very fast and the coverage for their visits are surprisingly good. Do your homework. Check all the other companies and you will find yourself coming back to Embrace every time. Thanks Embrace!!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Boxer
  • AGE OF PET: 1 - 8

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7

out of 10

Processing of claim

I have had PetFirst Ins for a number of years. I would like to see the processing of a claim be condensed. It takes sometime for Petfirst to turn that check back to their customers. My dogs are frequently at the Vet and those bills mount. I am so glad that I have PetFirst Ins but if the turn around time could be less than what it is today is important
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: 1 - 8

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