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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

An insurance company that lives up to it's promise

As luck (bad luck!) would have it, in March of 2013 Madison was diagnosed with lymphoma. To make a long story somewhat shorter, by the time she died December 5, the medical bills exceeded $22,000. And of this amount, our insurance company paid all but about $2500. But it was not the fact that--how unbelievable!–here was an insurance company that actually paid; it was the spirit in which it paid. We would send in a claim form on, say, a Monday; we would receive our check for the 80% (less the office visit) by Thursday, and then it would be three weeks before the charge even hit our credit card. The payments came with personalized notes from the company telling us how glad they were to be able to help us affordably sustain Madison’s life. (By the way, that eight months of treatment gave Madison, up until the very last day, quality time; she was a happy dog and her brother Bill continued to play with her and enjoy her company). To top it all off, in the middle of Madison’s chemotherapy, I discovered online a new experimental hormone therapy that was very expensive but held out the prospect of, perhaps, many, many more months, or even years, of quality life. I contacted the company and asked if they would pay for it. They said, in effect, “let us think about it.” Two days later I got an email that advised me that the treatment had been approved. Those experimental treatments cost about $4500; we paid $900 of the cost. And while I will never know how much more time those treatment
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Portuguese Water Dog
  • AGE OF PET: Over 8 years

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10

out of 10

BUY A HEALTHY PAWS POLICY!!!!

Healthy Paws has gone above and beyond for our 4 year old Mastiff, Winston. When Winston tore his ACL and needed surgery, Healthy Paws was an absolute LIFE SAVER! They are always extremely nice and helpful on the phone, my claims (there have been many related to this injury) are ALWAYS processed within 24 hours (often less!) and I have received checks quickly for reimbursement. They have covered EVERYTHING related to this procedure with the exception of the vet fees, per their policy... They were even willing to reimburse us for a ramp for Winston to get into and out of the house easier! I CANNOT RECOMMEND THEM HIGHLY ENOUGH! As long as we have experiences like this, WE WILL BE HEALTHY PAWS CUSTOMERS FOR LIFE!!!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mastiff
  • AGE OF PET: 1 - 8

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1

out of 10

Be careful with Teeth Claims

Beware... even though the policy specifically states,"Gingivitis and progressive periodontal disease caused by the accumulation of tartar is not a covered expense", if your pet has teeth issues NOT caused by tartar, but rather than by maloclusion, they are trying to get out of paying, refering the above exemption. My Vet is working on an appeal for me. I saw the claim that my vet submitted and it is clearly stated. They also referred to my dog's "tooth extractions". Now where on the claim was this meantioned. He still has all his teeth for now.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Australian Shepherd
  • AGE OF PET: 1 - 8

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1

out of 10

cheap on repayment of well care

embrace ins is very cheap when comes to paying for wellness claims. Charges are high when purchased at vet's yet embrace only covers $200.00!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Silky Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

ACL surgery

My little girl had a tear in her left hind acl. Trupanion quickly accepted the claim. I was reimbursed all but my 10% copay within a week after her surgery. In all they covered $3300. Thank you Trupanion.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pit Bull
  • AGE OF PET: 1 - 8

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9

out of 10

Quick Claims

Embrace has been very helpful and quick with their claims. They even contacted my vet to help expedite the process. The only issue I do have is that I can never contact them via phone and reach a customer service rep. So far I had only had to file claims for the wellness program, but they are quick to file the claim and send out reimbursement.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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10

out of 10

Fantastic

I have had many pets over the year, and paid huge bill when something went wrong. When I got a new puppy in July, I took advantage of a month of Trupanion from my vet. Within two weeks the pup had worms, and Trupanion paid 90% without batting an eye. I was sold, and continied the coverage. I also insured my six year old cat. After New years, my dog became very ill. He require multiple x-rays and Ultra sounds. Trupanion paid quickly, and even called to see how he was doing. I'm a fan!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

good experience

The only negative thing that i can say is that I didn't realize that they don't pay exam fees, even if it's for a sick visit. That being said, I was very happy with the service and plan coverage from Trupanion. I am just thankful that I didn't have a plan with a deductible otherwise I would not have gotten back that much. Trupanion does seem to be a service minded company and any time I have called with questions they have been very helpful. They were great at staying in touch with us via email to let us know that our claim was being processed and even did direct deposit of the claim money to our checking account. Getting 90% back is a relief.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

One bad Knee all better

My two + year old Newfee Required Surgery after she blew her knee. And the day after the procedure I filed my first Claim including Claims for all the pre op x-rays and vet visits. I didn't know what to expect... I thought there might be a number of excuses or reasons certain things wouldn't be covered. I couldn't be more wrong. Everything was paid according to my policy with no hassle. I was reimbursed within 10 days. I hope my dog doesn't need more surgeries, but I no longer stress about it. Thanks Healthy Paws
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Newfoundland
  • AGE OF PET: 1 - 8

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10

out of 10

Never having a pet without Embrace again!

So thankful I signed my pup up with Embrace last year. I've never had pet insurance before but just had an inkling with my new, high-energy puppy that he might cost me a little more in vet bills than I had originally planned. 1 year later and over $1,500 back in my pocket from vet expenses, I've decided I'll never have another animal without Embrace again. No doubt about it.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Mix
  • AGE OF PET: 1 - 8

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