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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

Amazing!

Embrace is amazing! I will never own a dog without having embrace. They are so helpful and always on time! Truly amazing!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mastiff
  • AGE OF PET: 1 - 8

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10

out of 10

No hidden gimmicks

What you think you're signing up for, you actually are getting. I've dealt with another insurance company before trying Healthy Paws and while they reimbursed, they nickle and dimed everything! These plans are simple, and the coverage listed is the coverage received. After the claim is processed they even send a follow up email to check on your pet. They're customer service is outstanding. I've emailed them numerous times (not an expert at insurance and needed some things explained in layman's terms) and they ALWAYS get back to me asap.
  • 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

I am more than pleased with Embrace

In the beginning I was a little skeptical about insuring my pets. EmbracePetInsurance has been very helpful and patient with my calls and many times explained the items I could not understand. I had two shelties. One died unexpectedly . I received cards and letters from Embrace. I got a new puppy (shelty) named Lady Pinky and reinsured with Embrace. Now I have Lady and Tramp. If you love your animals, insure with Embrace and never miss a chance to see your Vet because of $ issues. Tanya Herbert, Florida
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shetland Sheepdog
  • AGE OF PET: Over 8 years

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10

out of 10

Best Pet Insurance I've Ever Had

I have had various pet insurance companies over the years - some of the biggest names out there. From claims, to what's covered, to simply getting someone on the phone, all of them have had issues. Embrace is without a doubt the best pet insurance I have ever had. My story is a little long, but it's what I would want to know, so here goes. In July of 2013, I became a ‘foster failure’ to two kittens, brothers Wyatt + Gray. When I took them in for their final checkup at the rescue, they told me that Gray had a murmur and asked me if I still wanted to adopt him. I said, of course, but had no idea what that really entailed. I took him to my vet within the first week just to get a baseline. I figured it made sense to have her listen to the murmur so that in a year, when he went in for his annual, we would know if it had gotten any worse. At the same time, I called my most recent pet insurance company, ASPCA. They said that with a murmur, they would not cover him for any medical, only accidental. So I decided to have both boys covered for accidental only. The cost was around $25/month. A few months ago, I took my guys in for a check-up and asked how the murmur sounded. My vet told me that she had only heard it at the first visit and not once since. In her estimation, she said it was a 'Benign Kitten Murmur' and that he no longer had it. I wondered aloud if he would be eligible for insurance and she said she'd be more than willing to write a letter if need be. She also told me that she had heard great things about Embrace. I called ASPCA and they said that they'd review the file and her letter, but that it was highly unlikely that they would reverse their decision. Once a murmur, always a murmur. So I called Embrace. From the first call, they were wonderful. They said that I should apply and that after the 14-day waiting period, I would be able to ask for a complete medical review. Once they did that, I would see what would be excluded and what would be covered and if I didn't like it, then I could cancel within the first 30 days for my money back. I did as they said and it all went very smoothly. On March 19 of this year, they were both covered for both accidental and medical for $42/mo (very competitive pricing!) The great thing about the medical review was that it showed me if there were any temporary or permanent exclusions. Basically, after such-and-such date, then X would be covered. There were no permanent exclusions for my guys, just a fe
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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10

out of 10

Amazing insurance!

Trupanion is truly amazing with the coverage they offer. I have never had any issues with claims that I have submitted and they always have an answer for any questions that I have.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Over-the-Moon for Healthy Paws!

My 4-month old puppy Pepper got seriously ill after we sprayed our yard for ticks. We had to rush her to the Emergency Clinic where they had to keep her overnight to run several tests and give her all fluids and various medications intravenously. They sent us home on a Sunday with 4 different medications. I submitted the claim on Monday and they completed their review on Wednesday! In addition to the efficient and speedy claims processing, I received a personal email from them on Sunday asking how our little Pepper was! This wasn't one of those emails that automatically goes out after a few days--it even referenced what had happened to Pepper and told me to give her a hug from Healthy Paws! This level of customer service is rare--I was a VPI client for almost 14 years with my previous dog (may she rest), and never did I get an email like that. Human medical insurance companies could learn a thing or two from Healthy Paws! It's no wonder they are consistently rated one of the best pet insurance companies out there. Their insurance packages are, themselves, impressive enough--but that kind of customer service is really second to none. As other reviewers have said, they really treat their clients like family.
  • INSURER: Healthy Paws
  • POSTED: 10/06/2017
  • BY:
  • BREED: German Shorthaired Pointer
  • AGE OF PET: Under a year

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10

out of 10

Great Company

I highly recommend PetFirst! Quick to respond and very knowledgeable staff.
  • INSURER: PetFirst
  • POSTED: 10/06/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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9

out of 10

Healthy Paws A++++

Have had nothing but great experience with Healthy Paws. They are quick to repsond & get claim processed. Know many that have had the same experiences. Definitely better than most pet insurances.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws is great coverage and service.

My eight-month old puppy developed a bad limp and was examined by our regular vet. She needed special surgery for her leg and we went to a wonderful Vet some 2 hours away. The surgeon was wonderful and even more amazing was the service and coverage from Healthy Paws Insurance. Healthy Paws covered 90% of the costs, the x-rays and the surgery. We were so glad we had bought Pet insurance for the puppy (thinking she would not need it for years to come). Thank you, Healthy Paws and Dr. Cannon for making the experience a pleasant one for puppy and us.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bichon Frise
  • AGE OF PET: Under a year

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10

out of 10

Best decision I have EVER made

We signed up with Healthy Paws when our Newfoundland pup was about 5 months old. It was without a doubt the wisest financial decision I have ever made. Unfortunately, we have relied on them heavily in her first couple of years. They have paid 90% of every claim we have submitted, including treatment for giardia, ear/eye infections, removal of a calcerous growth under her tongue, tick paralysis, and most recently, TWO KNEE SURGERIES, because she had torn both of her cruciate ligaments. On top of all that, they are even covering physical therapy to help her recover from the knee surgeries. Here are some of the reasons I love dealing with Healthy Paws: 1.) When I call, a real person answers the phone - they understand my question and provide a clear answer. It’s not a “call center” experience; they actually care about animals, are very familiar with their policy, and are eager to help. 2.) The claim processing is VERY FAST and painless - usually less than a week between the time of treatment and when I receive the reimbursement check. 3.) They have never denied coverage. Their website is very straightforward, and they clearly lay out everything that they cover, including alternative treatment. Before we scheduled our dog's knee surgeries, I called HP a few times just to make sure they would actually cover both of them, since it sounded too good to be true. They promised they would, and they quickly came through for us. 4.) There is no incident limit, nor is there a lifetime limit. Some of these issues can add up extremely quickly, and it’s so reassuring to know that HP will be there for us. The only thing I would do differently next time is get the insurance BEFORE bringing the animal home. We had an incident come up during the waiting period and they were not able to cover it, which was understandable. I cannot say enough good things about Healthy Paws. Our dog is our child and we will do anything to help her live as well as possible . . . but without HP, we would not have been able to afford to fix her cruciate ligaments, and she would have had to live with pain and have extreme difficulty getting around for the rest of her life. We are, and will be, forever grateful to this wonderful company for helping us care for our sweet dog.
  • INSURER: Healthy Paws
  • POSTED: 05/30/2019
  • BY:
  • BREED: Newfoundland
  • AGE OF PET: 1 - 8

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