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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.

9

out of 10

adequate processing time

I've been happy with Embrace and have had this insurance for almost one year now. Each time a claim has been submitted, they have been efficient and processed refunds in a timely manner. Also, their customer service agents have been very helpful and informative
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Under a year

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10

out of 10

Couldn't Be Happier

My Frenchie, Macaroni, ate part of a corn cob and after 2 months of digesting in his stomach, it became lodged in his intestines. I live in NYC and emergency pet surgery is extremely expensive. It was a difficult time for us as we thought we were going to lose out little monster, but one very positive outcome was how quickly the claim was processed and the amount that was covered. I submitted it on Sunday night and the claim was approved on Wednesday. They even sent an e-mail to get an update on his status that showed real concern for Macaroni, who BTW is almost back to normal after just a week after surgery. I have another dog covered by VPI which is schedule based rather than % and it takes much longer for the claims to be processed and in an expensive market like NYC, it just does not make sense as the amount they will cover typically does not even come near the cost. If I had a claim of $100, I never knew if I would get $80 back or $8. She is too old to make the switch, unfortunately.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: 1 - 8

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10

out of 10

So grateful for our excellent coverage

Embrace Pet Insurance is a cut above the rest. That's in part because they pay for the procedure your vet thinks is necessary, and pays the fee your vet charges — they don't have any pre-determined costs or limits on any procedure. They also pay for holistic care and physical therapy as long as it's veterinarian supervised, which is reasonable and even wise of them. Our AmStaff tore her cranial cruciate ligament in October, and we had planned to do TPLO after Thanksgiving, so we could be in town during her recovery. The vet thought that was okay, and Embrace pre-authorized her TPLO, meaning they can pay the vet directly, instead of having us put the $5,000 charge on our credit card. When I called for the pre-authorization, the phone representative recommended we do physical therapy in advance of surgery, just to make sure she stays strong and healthy while waiting for her surgery date. The vet-supervised PT was so much more thorough and professional than the other PT we'd been going to, so I was glad this was a requirement. It has worked out so well, in fact, that all the doctors have come to agree that our dog is healing without TPLO, and may not need surgery at all. Embrace has reimbursed us promptly for each PT appointment, including Adequan shots, hydrotherapy, acupuncture and laser treatments. It's just wonderful coverage, and I'm so glad we signed the dogs up with this coverage. I would highly recommend Embrace to anyone considering pet health insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Staffordshire Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

Great coverage

I've had ASPCA Pet Insurance on my cats for many years. The claims are handled promptly with a good reimbursement rate. Plus I have peace of mind knowing that my cats are protected.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Wow!

My goofy dog, Merlin let out a scary sounding squeal the other night and we quickly decided he seemed to be choking on something. After two vet visits, 24 hours, and an endoscopy under general anesthesia, we came home with a dog on-the-mend and a $2400 vet bill. Was I ever surprised when I submitted my claim with the super-simple scan and upload feature that I had an answer in less than 24 hours with a complete explanation of benefits. Now, less than a week later, I have my check for over $2100 in hand. Not only that, but I got a nice e-mail from the company, checking to make sure that Merlin had recovered--this was clearly written by a person, not a computer! I couldn't be happier with Healthy Paws.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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9

out of 10

Pet's Best Is Simply The Best

We recently lost our Boston terrier, Mr. Mugs, to a brain tumor. Pet's Best was with us every step of the way, answering questions, doing pre-certs for expensive testing and coming through for us, every time, in the amount we expected. Nothing can bring our little boy back to us, but having the peace of mind they gave us when a pet is sick, was priceless. I will use Pet's Best in the future and recommend it to everyone.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Boston Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

Out of the norm disease diagnoses for out breed

I decided to get pet insurance for out new pup as he was a rescue and we were unsure of his past and any past health issues. I was glad we did for peace of mind but it turned out we needed it when our dog was having chronic diahrreah for just over a month. We were seeing the vet at least once a week if not more to run different tests and what not. The vet was finally able to diagnose our pup with Endocrine Pancreatic Insufficiency, which pretty much means our dog wasn't absorbing any of the food we fed him and he was losing a lot of weight. His diagnoses means a lifelong enzyme suppliment that he needs to take daily. Because we decided to get insurance they have helped with the costs of all the associated testing in order to get a diagnoses as well as cover his medications and even some of his specialty foods that were needed in the first few months of treatments. Not all diseases can be expected within a breed and our case runs very true for us. Our pup is a large breed mix which is most likely a wolfhound/Airedale mix but his disease is typically only seen in German shepards. But who knows, he's a rescue and we can't be certain of his mix. Great investment
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Irish Wolfhound
  • AGE OF PET: 1 - 8

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5

out of 10

claim review was too long

Coverage appeared to be valid yet the claim took over two months to be honored.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: Over 8 years

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10

out of 10

denied, appealed, covered

I had my dog examined 7 days after my policy took effect because he had been coughing for a few days and it was only getting worse. To be exact, the coughing had been noticeable 2-3 days after the policy started, I watched it for a few days, then had a doctor look at him. He was diagnosed with Blastomycosis after diagnostic tests were performed. Trupanion initially denied my claim. They stated a policy exclusion that my dogs 'signs or symptoms could have been observable or reasonably noticed my myself or my vet' before I actually had him examined or noted his signs of being sick. I am a vet tech and work at a hospital, so I was able to have my dog looked at as soon as anything was noticeably wrong with him, so Trupanion's reasoning behind denying my claim was extremely stressful and frustrating. I had my dog looked at when I noticed something wrong, not like I waited for my insurance to start before I got care for him. I appealed the claim, at which point Trupanion asked for more detailed records and a note from the doctor. It annoyed me that they asked for more information after already denying the claim and me appealing it. They denied covering his illness again, but had a staff veterinarian call me to discuss my dogs case. It didn't take long talking to the veterinarian to decide that they should cover my dogs illness and the appeal would be overturned. She was very nice and tried to explain why my claim was denied so quickly. Basically because my dogs illness was so close to when my policy started, from an insurance perspective, I could have been waiting for it to start before getting care for my dog. Also, they try to close claims as quickly as possible. While I understood what she told me, it still frustrated me that they simply denied my claim before knowing all the information that was necessary to make the right decision. In the end, it all worked out, but I had to be proactive and deal with the stress of settling the claims for my dogs illness.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Terrier Mix
  • AGE OF PET: 1 - 8

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10

out of 10

Very satisfied

Our kitty had to have emergency surgery after swallowing a small rubber cap on a feather toy, which resulted in an obstructed intestine. We filed our claims with Healthy Paws and they processed them within a week. Their app is very user friendly (just take a photo of the bills and upload), and they covered a substantial portion of the cost, including the X-rays prior to surgery, the surgery itself, and kitty's hospital stay without any quibbling. There was no despair trying to correspond with an actual human being, and the customer service representative responded to our inquiries promptly and courteously.Healthy Paws really came through and lived up to their promises. Why can't health insurers for humans figure out how to do this?
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Shorthair
  • AGE OF PET: 1 - 8

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