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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

Petsbest is the best in claim processing

Petsbest is a great organization that assisted in our pets processing for his illnesses.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bulldog
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws is just the best!

In late October of this year (2014), I took my 3 year old dog into our local emergency vet when he started acting very lethargic. After having x-rays and blood work done, they found that his chest had an excessive amount of fluid in it and that the x-rays showed possible lung lobe torsion. The emergency vet told us that we needed to take our dog to a specialist as they didn’t have the facilities to take care of such a dangerous situation. I took my dog to a specialty vet hospital in San Diego that we have used many times in the past. The vets there confirmed that my dog did have lung lobe torsion and would need a left cranial lung lobectomy. At that time, it was also determined that the fluid in the chest was consistent with chylous effusion. Both of these issues left unresolved would have killed my dog within a short amount of time. His doctors felt that if they could fix the lung lobe torsion then there was a good possibility that it would also stop the chyle fluid from leaking into the chest. Two weeks later, the doctors found that the clyle fluid was actually getting worse and not better. This meant going in on the other side of his chest for another major surgery to do a thoracic duct ligation to stop the chylothorax. At the time of this review, I still am not certain if the chyle is still leaking into the chest as x-rays are pending in about one week. My dog is home and recovering very well. He has huge scars on both sides of his chest from two major surgeries. The current total cost of my dog’s medical bills from the time I took him to the emergency vet up until now is $31,477.71. Yes, over $30,000. My Healthy Paws coverage on my dog has a $250 deductible and 90% reimbursement. Each and every time that I got an invoice from the vet’s office, I took a photo of the invoice the same day and used the Healthy Paws app to submit my claim. That’s it. Take a picture of the invoice (in my case I had multiple pages) and send it off. Within 12 hours I would get an email from Healthy Paws that said they had received my claim. Within 24 hours I had another email that said that my claim had been completed. Within 6 to 7 days (not working days but actual days) I had a check in hand. They never refused to pay for even one item on any of the invoices. Without Healthy Paws, I would’ve been in debt for many, many years to come. I’ve had to take many dogs to the vet and I’ve always hated that time when someone from the front office a
  • INSURER: Healthy Paws
  • POSTED: 04/01/2019
  • BY:
  • BREED: Borzoi
  • AGE OF PET: 1 - 8

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10

out of 10

Prompt and Super Caring

Have had my puppy insured for about a year now. She recently had to have a pretty major surgery on her knee. The customer service I received was amazing. They were very interested in what was going on with the dog and were quick to reimburse. The most impressive part was once the claim was done and taken care of they followed up just to check in and see how the dog was recuperating. Would highly recommend them!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siberian Husky
  • AGE OF PET: Under a year

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9

out of 10

Very good service

Trupanion processes and reimburses my claim very quickly and accurately. I would definitely recommend them to anyone interested in insuring their pet(s).
  • INSURER: Trupanion US
  • POSTED: 05/09/2019
  • BY:
  • BREED: Chinese Crested Dog
  • AGE OF PET: 1 - 8

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10

out of 10

Best pet insurance!

I can't say enough good things about Pet's Best! We have had multiple ER and vet visits in the last 4 months for a cat with urinary problems, including a costly surgery and Pet's Best has reimbursed quickly and without difficulty. I am honestly shocked at how great it is. I have been telling everyone around me who will listen!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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6

out of 10

After much frustration it was well worth

Embrace initially denied my claim because my dog was stung by a bee before having coverage resulting in hives. She was allergic to the bee which most dogs are and I had called my vet on how to proceed with how much benadryl to give. When the the hives didn't clear up as fast as I wanted my vet told me to come in for a steroid shot even though another dose of benadryl probably would have done the trick (I was a new pet mum and a worrier so he wanted to ease my mind). This was documented in her vet records so Embrace had it in their notes. My girl got sick two months back with a very rare autoimmune disease that initially presented as hives, SHE WAS NO WHERE NEAR A BEE AT THE TIME MIND YOU. But none the less her claim was rejected by Embrace because this was considered a "pre existing" condition because apparently she is NEVER allowed to EVER have an allergic reaction to anything ever again even though this was not even remotely related to a be sting. So her condition worsened and what started as a simple case of hives turned into a resistant staph infection and then ultimately a rare autoimmune disease called Erythema Multiforme which could be fatal. I was up to 3,000 in vet bills at this point. Embrace had started to cover the SOME of the staph infection and the EM but waited weeks upon weeks to even look at my appeal. I got an email saying that the appeal would take 10-15 business days, but then found out they did NOTHING until day 16 when they FINALLY sent a request to my vet asking what the allergic reaction was!!!! They already had ALL of my vets records!! From the day she started seeing him!!! They rejected the claim because of the allergic reaction!!! I was furious, I called costumer services and they had NO ANSWERS for me what-so-EVER. FINALLY after 23 BUSINESS days and two 1/2 months after me submitting the original claim the denial was reversed and I did get coverage and then all new claims were able to be processed and I was able to get coverage for the staph infection ones they weren't covering and the "hives DX" ones that hadn't gone into appeal. So even though it was frustrating and I hated dealing with them, I am very glad I had coverage because they covered 80% of my bills and I would be lost without that money right now! It was way more of a hassle than it needed to be and at times I wanted to scream and more then once I did, but I am truly grateful to have the insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Boxer
  • AGE OF PET: 1 - 8

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9

out of 10

Quick and easy response for my claim

My pup had to go in for a proptosed eye (don't google it), and I received all the advice I needed on filing the claim. When he popped his stitches and had to go back in for as second surgery, I was extremely pleased to not get hassled by ASPCA. They were very understanding that accidents do happen, even after the initial accident. Their instructions were very clear and easy to follow, and I received email updates about my claim well within the timeline of what they estimated. It took the headache out of what could have been a very painful process.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Schnauzer
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws is a MUST for pet owners!

I couldn't be more pleased with my experience at Healthy Paws since we enrolled in October 2014. Highly, highly recommend. I've been telling all of our friends about Healthy Paws. Too bad "people" health insurance isn't as great.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Very Impressed with Embrace

This is the first time I have purchased pet insurance and I am very pleased with the services and fast attention I receive from them an any question or claim. Thanks for providing a wonderful service
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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3

out of 10

Nope.

Our Bernese mountain dog pup is 9 months old. She's well bred but she's been more sickly than we expected so early in her life. (We expected a fairly expensive adulthood as BMDs sometimes have lots of problems). So far in akmost 7 months of owning her we have spend over 3500 in vet bills. This includes a spay/gastroplexy, microchip, emergency room visit & overnight hospitalization for pre-bloat, treatment for conjunctivitis, lyme disease test and treatment for Lyme disease (yep, positive), hurt paw exam & antibiotics, a vet visit over bleeding viral wart she'd chewed off her paw (now it's on her mouth!), an office visit to check on her spay stitches, vaccines, heart worm pills, routine checkups, flea and tick prevention, and I can't recall what else. ASPCA approved reimbursements for 745$ of it. they do not pay the actual cost of procedures, they do not pay for all the required treatments. I think we are going to cancel our policy and just save 90$ per month for her vet bills. Next up we have to do an ortho scan (under general anesthesia) because she's still lame. That's several hundred I doubt they'll reimburse. It's a racket. Waste of money.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: Under a year

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