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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

Great Service

I have been using VPI Pet Insurance since my dog Mrs. Beasley was born 8 years ago. My policy covers everything from annual check-ups to medical issues. My vet completes the insurance forms with me and VPI is very responsive in getting a payment and detailed manifest to me. I would highly recommend getting pet insurance from VPI as soon as your puppy is eligiable. This protects you against major and minor medical expenses and avoids any pre-existing condition issues.
  • INSURER: Nationwide
  • POSTED: 10/12/2017
  • BY:
  • BREED: Basset Hound
  • AGE OF PET: Under a year

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4

out of 10

Service is declining

Recently, we've been noticing a trend to quickly categorize claims as "wellness" and be declined. A follow-up call is placed and after a few weeks the claim is processed correctly. This latest claim is no exception. Our dog had a urinary tract infection two months ago and the claim was paid properly. The veterinarian stated protocol dictates that blood work be taken two months after finishing the medication to make sure the infection is completely gone. We had the necessary test done, it was coded as follow-up to a previous problem, and the claim was rejected as a wellness claim. If we were not monitoring closely (as we unfortunately have learned to do), this would have been the end of the story. A phone call was made to reiterate what the veterinarian wrote down and the claim was reconsidered and paid. This sort of service didn't was unbelievable until recently. It seems something is changing in either personnel or policy at Embrace Pet Insurance. Premiums keep rising and service is getting a little careless.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: 1 - 8

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10

out of 10

Saved my dog

Had a puppy get hit by car, left for dead, and picked up by good samaritan. Was close to putting him down, though he is young and strong, and could tell he wanted a shot at life. ER visit for weekend, followed by day in regular vet, followed by 24/7 weeklong ER stay. As you can imagine, my bills were more than I could have imagined. Would call Healthy Paws to make sure he was covered, with their response, "take care of your dog." Some of the nicest representatives, claims were easy, filled out as I went form doctor to doctor, and was reimbursed within about 10 days. Wish I never needed insurance for an accident like this, but thank god I did, and they are great.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

10/10 service! So happy to have chose ASPCAPI

I've had this insurance for my dog for about 3 years now and I'm so happy to have chosen this company. Submitting claims are so easy and gives you a peace of mind that you know they are going to give you reembursment (of corse depending on your palm coverage) and you don't have to worry about paying full bills. Thier customer service Line is so helpful and always have answers for any of my questions. Overall I'm supper happy with ASPCAPI and I would highly highly recommend them to other pet parents. Please get insurance for your pets its worth every penny and ASPCAPI is super affordable. You are not only paying for the well being of your pet hut also like I said you get peace of mind that you know your pet is covered especially when they randomly get ill or get hurt.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

I'd rate them 11/10 if I could

We adopted Mia from the Burlington Humane Society. When we took her on, we knew she’d had G.I. health issues stemming from a serious roundworm infestation. Knowing we were taking on a cat who'd started out life at a disadvantage, we thought we'd be wise and invest in pet insurance. Both our fantastic vet and the shelter recommended Pets Plus Us, so we went with them. And honestly, this decision was a life saver, or at least a life extender, for our cat. For the first year, Mia had continuing G.I. problems stemming not only from roundworm, but other parasites picked up while she was on her own before being rescued. We were nearly at the one year mark when we finally solved this issue. Throughout this, Pets Plus Us was with us every step of the way, covering 80% of our bills as per our agreement. It was just a week later that Mia was diagnosed with terminal cancer; our oncologist gave her only 4 weeks to live without a nearly $5000 chemotherapy treatment that wouldn't cure her but only slightly extend her life. Only the fact that we were with Pets Plus Us gave us the opportunity to fight for our cat. My husband has been out of work for over a year and a half and as the only breadwinner in a family of 4, this is the kind of extra expense that I couldn't manage on my own. But with Pets Plus Us taking on 80% of that bill, we had the freedom to agree to treatment and started right away. We're now over 6 weeks into treatment and things have gone amazingly well—the huge tumour in her neck disappeared in literally 48 hours. But we're very aware that we wouldn't have our girl with us anymore if it wasn't for Pets Plus Us. Hopefully we'll get through the 6 months of chemo. Past that, we may have only bought her 3 months or maybe up to 2 years. It’s a fatal diagnosis, but it allows us more time with her for now. Pets Plus Us has been nothing short of amazing. They make their electronic reimbursements to us in literally a matter of hours after submission. But they really show who they are by the little messages they send. You wouldn't think an insurance company would be happy handing over $2000 for chemo, but at the bottom of the receipt, they included a personal message: ' We are wishing Mia all the very best and are here for support if you need us.' On top of that, they actually called one evening to check in and see how she was doing, an unheard of customer service in this day and age. No doubt about it, this is a special kind of company.
  • INSURER: Pets Plus Us
  • POSTED: 08/29/2017
  • BY:
  • BREED: Calico
  • AGE OF PET: 1 - 8

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10

out of 10

Highly Recommend!

We have insurance for both of our cats. We have been fortunate not to need it until this year, when one of our guys was diagnosed with FIV. He has probably had it since before we adopted him, and his symptoms quickly became expensive. He is very loved, and we would take care of him no matter what, but it was a huge relief to know we had a financial safety net through his insurance. Our claims have been processed quickly and efficiently, and we have received several phone calls from the office just to see how the little guy was doing. I sent a picture with our most recent claim and got a phone call almost immediately saying how much they enjoyed it. Those personal touches mean a lot in a very stressful time... Knowing that the foundation of this company is a love of animals and having them take true interest in our pets pushes them ahead of other insurance options we explored. I am absolutely thrilled with our entire experience. The combination of excellent coverage, quick reimbursement, and the warmth and compassion of the service team are unparalleled. I recommend this to all my fellow pet parents without hesitation.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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10

out of 10

8 months of sleepless nights

After 8 months of dealing with sleepless nights while Wedge • gasping while sleeping • 24 runny nose 3 surgerys later, Soft palate trimmed, Rhinoplasty and Sliding Hernia operation I am now comfortable to report that our crazy, awesome, funny, lovable pug is finally sleeping with reduced gasping, no runny nose, he can breath 1000 times better, he isn't sucking his stomach in. Bonus his breath doesn't smell bad anymore too. He is almost back to normal. Thank goodness for the decision 8 years ago to sign up for pet insurance. Trupanion has helped out on all surgerys. What could have cost us $8k or more. Cost $800.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

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10

out of 10

Shockingly Simple

Had to take the dog in after he was acting strange (a 1yr old lab mix should no be sleeping all day). Two days in the hospital later he was on his way to recovery, though they never did determine the cause of the high fever. Healthy Paws processed our first claim in a couple days and we should be seeing our reimbursement check soon.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Best. Pet. Insurance. Ever!

I did my research prior to signing up with Healthy Paws; they had the best types of coverage by far. I've learned early on that they live up to my very high expectations. My Frenchie puppy, Hugo, woke up very sick one morning-after a day in the hospital with many xrays and lab tests, and 3 weeks of recovery, I finally have my little clown dog back in great health. Healthy Paws was one of the only bright spots during this entire experience. They processed my claim quickly and efficiently. They even sent me an email checking in to see how Hugo was doing! Who does that anymore? I can't recommend Healthy Paws highly enough!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: Under a year

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10

out of 10

Definitely the best pet insurance

My 1-year-old husky puppy was diagnosed inherited cataracts a month ago, he lost almost all his vision just in 3 weeks. The doctor told me that he needed a surgery asap. It was a big surgery, and very expensive. I actually know some of the dog owners who didn't buy pet insurance decided to not to do the surgery because they couldn't afford it, and their dogs had to suffer from the blindness. I filed several claims related to the surgery which included pre-exmination fee, and post-medication fee. The bills were big, but healthy paws processed all those claims in 1-3 days, and I received the reimbursement checks less than a week after the surgery.Not every pet insurance covers cataract surgery as well as inherited diseases, but healthy paw does, and I can't say enough how grateful I am about their fast costumer service. They truly care about their customers and their furry little ones. After the surgery Healthy paws also sent me a warm email asking how my dog is recovering from the surgery. What my dog and I went through was certainly not easy for us, but healthy paws tried their best to support us, and I really appreciate it. Now My dog got his visions back, and I'm the happiest dog mom in the world.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siberian Huskey
  • AGE OF PET: 1 - 8

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