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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

Life Saver

Embrace Pet Insurance is a life saver, we invested about $550 into the medical/wellness for our puppy and so far in 4 months Embrace has paid out as much as we invested. I'm certain that we will exceed the return on our investment over the full year. I will be re-purchasing when our policy expires. Our pup has constant ear infections, we adopted her 5 months ago and she's had at least 6 ear infections since. Without this policy, between that and her spaying, we would never have been able to get her the quality healthcare that she needed. She's also being tested for allergies to see if there's something we can do to prevent further problems. I rated the company at a 9 because the processing time for claims can be quite lengthy, especially when additional information is needed and the vet's office says that never received the request (who knows where the ball was dropped) resulting in ever longer processing times. If I were notified then I could proactively get the information from the vet, fax/e-mail it to Embrace, and get the ball rolling sooner. Claim amount is for overall use year to date, same for type of claim and I averaged the time to handle claim.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Old English Sheepdog
  • AGE OF PET: Under a year

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10

out of 10

Money well spent.

My golden retriever unexpectedly started urinating blood, took him to the vet and ultra sound was performed. A large tumor was located on his right kidney. He had surgery the next day removing the kidney. I submitted the claim to Embrace and within days had a check in the mail. He is not out of the woods yet, he starts chemo this week. It is difficult going through this as we think of them as our kids, but Embrace lessens the pain by always being compassionate and on the spot with paying the claim(s).It may cost a little up front but well worth it when needed. Thank you Embrace
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Ainu Dog
  • AGE OF PET: Over 8 years

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8

out of 10

They Asked for it.

First let me state we are keeping Embrace, but they asked for the review so here it is. Our dog has a chronic gastric condition typical of the breed. Our Vet decided that it was medically necessary to have his stomach tacked (gastoplexey) to prevent torsion from bloat, usually a fatal condition. We submitted a pre-certification to Embrace which was approved, had the surgery and submitted the claim---WHICH WAS DENIED! How do you deny a pre-authorized claim???? After the requisite indignation on our part, to their credit they honored their pre-approval and paid the claim. Embrace never did inform us what the issue was---did the pre-auth person screw up or did the claims agent? The way their note to us saying the'll honor the claim was written seemed to indicate that it should not have been approved to begin with since it was "preventative" even though the Vet said it was medically necessary to potentially prevent his death from bloat. So in the end it worked out but the stress we were put through, for the albeit only for a day, worrying about the vet bill was upsetting. I will give them high kudos for honoring their pre-certification, but they should have seen it internally and we should never have been the wiser--the actual submitted claim should just have been paid. Otherwise, we really like the comfort of having pet insurance on our dearly loved pet. P.S.: They do take a long time to process claims, and some glitch in their email notification system did't notify us of the claim status. I logged in wondering what was taking to long and found the 16+ days old denial--so this added to the stress because appeals have to be filed within 14 days. Epic fail administratively.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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10

out of 10

ASPCA has saved me money and are very helpful.

I have six cats and all are insured with ASPCA. The insurance is affordable and the staff is always there to answer any questions. I tell everyone I know about this insurance for their pets.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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10

out of 10

Very satisfied

We have carried basic insurance for our dog since she was a puppy. I have been pleased by the speed and ease of the claims process and have found it well worth the cost. I also appreciate the peace of mind. Well worth it.
  • INSURER: Nationwide
  • POSTED: 10/12/2017
  • BY:
  • BREED: Labrador Mix
  • AGE OF PET: 1 - 8

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10

out of 10

Making Decisions Based on Prognosis

The great thing about having pet insurance is you can base treatment decisions on condition, rather than cost. Every year that we have had insurance we have "broken even", and held onto it for "one day". Lilo has had claims over the years, small and medium, and they usually add up to approx the same amount as premiums each year. Until this year. Lilo just came home from PAWS in Moscow after having an exploratory spleen/mass removal. This was after weeks of diagnostics, some at WSU (cha-ching). Half an hour after bringing her home, my husband had submitted her claim using his phone's camera. Our reimbursements always come within a couple of days; we live in WA state so they only take a day to get here in the mail. Lilo's prognosis is excellent, and her insurance has already "paid" for itself x3 this winter. I tell all of my friends about Healthy Paws.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Australian Cattle Dog
  • AGE OF PET: Over 8 years

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10

out of 10

Great!

Scooter has been covered since s puppy. The first year he had a bad sprain or hairline fracture. He went to three different vets including a specialist. I was very pleased with the promptness of reimbursement. He has cut his paw, ripped toe nails out and most recently had been treated for cystitis three times even with an ultrasound. I know the first year I got more back from them than what I paid for premium. This year has been the same. I am glad I have it and won't go without it. You won't regret ever purchasing this coverage. Scooter and Sharon Davis
  • INSURER: Nationwide
  • POSTED: 10/12/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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9

out of 10

Foreign Body Ingestion

Very friendly individuals who help you through every thing, step by step and in a timely matter.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Pets Plus Us! Highly Recommended!

When we adopted Opie, our precious 12 week of Neopolitan Mastiff, our vet had us enrol in the one month free trial with Pets Plus Us! That decision was something that would become a godsend! We didn’t realize what a life saver it would be! Not only for beautiful Mastiff but also to protect our savings and future savings against unseen concerns. Our family had previously had a very healthy Bull Mastiff who had lived a very long, healthy life. Adopting a dog with health concerns did not cross our mind when I feel in love with our new family member! Shortly after his initial check up Opie started showing issues with his eyes, skin, allergies and the worst to come was he was examined and found to have bilateral hip dysplasia. We purchased the 80% coverage through the Accident & Illness insurance, and hoped we wouldn't need to use it anymore anytime soon. Well turns out we submit a claim monthly for his pain medicine, eye drops and other miscellaneous ointments and potions. AKA thousands of dollars later! Having pet health insurance certainly helped take some of the stress out of having our dog undergo 3 cherry eye surgeries, eye ulcer surgery and pain medication to manage him until he hits maturity. He has a hip surgery in his future, in the meantime, Pets Plus Us gives us the coverage to medically manage his pain. I would highly recommend Pets Plus Us to anyone looking for pet health coverage!! Thank you for being there for us!
  • INSURER: Pets Plus Us
  • POSTED: 08/29/2017
  • BY:
  • BREED: Neopolitan Mastiff
  • AGE OF PET: Under a year

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9

out of 10

very satisfied

I have three beagles and have been with VPI for quite some time. They have covered every claim I have made and made everyting very easy. I have been glad that they also accept accupuncture as a treatment plan rather than just force surgery. My only complaint is that they take your payment via direct deposit but won't send your claim adjustment via direct deposit.
  • INSURER: Nationwide
  • POSTED: 10/12/2017
  • BY:
  • BREED: Beagle
  • AGE OF PET: 1 - 8

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