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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

Healthy Paws is Top Notch

If only there was a company that insured humans with the same dedication and fairness as Healthy Paws insures animals. I've had a wonderful experience so far. I only had one issue, when the reimbursement I was due to receive was smaller than expected. The staff at Healthy Paws didn't try to tell me I was wrong, or to "deal with it," or that I didn't have a clear understanding of the policy, as most insurance companies would do. Instead, they pleasantly informed me they would look into it immediately. I got a call back 15 minutes later informing me there had been a minor clerical error that had accidentally classified part of my cat's procedure in the uncovered "exam fee" category. They fixed it immediately, apologized for the mistake and adjusted my reimbursement. The whole thing took 20 minutes to correct, and I was only on the phone for about 5 minutes of it. Really awesome experience from a thoroughly good company. I have been with Healthy Paws for about a year now and have no complaints, and I think things will continue that way.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Longhair
  • AGE OF PET: 1 - 8

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9

out of 10

Others can't compare to Pet's Best!

I have 1 dog and 5 cats insured by Pet's Best since 2009. Before that; I had a different insurance(VPI) which was extremely expensive, didn't insure older pets, had many conditions that weren't covered and the reimbursement amount was very little. After 6 months of doing research, I settled on Pet's Best and couldn't be happier! There is no age limit, very little restrictions as to what is covered ( even chiropractor and acupuncture services are covered)and they have so many different deductible and reimbursement options, all the way down to $0 deductibles with 100% reimbursement!! You can't even get that with human health insurance! I have two 14 yr. old cats (1 has mast cell cancer and hyperthyroidism),two 6 yr. old cats, one 4 yr. old cat and one 100+ lb. dog.I have varying deductibles and reimbursement amounts that average out to a$250 deductible with an 80% reimbursement. With all of that said, my monthly payments for all 5 pets is only $120/month! Also, the deductible is per illness/accident, NOT per visit.Example, my cat has a thyroid condition and has to constantly go back to the vet. I only had to "pay" the deductible ONE time. Every single time I take him back to the vet for his thyroid condition, I get reimbursed 90% of the bill without having to subtract his $250 deductible. Can't beat that! Other reasons as to why I LOVE having Pet's Best: !) Even though my cat is old and has acquired 2 conditions that are incurable,Pet's Best does not consider it a pre-existing
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Longhair
  • AGE OF PET: Over 8 years

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9

out of 10

First claim in three years and so far, so good!

My yorkie has been having skin and eye allergy issues for the past month. We went to the vet four different times. I've had Embrace for three years and this is the first claim I've ever submitted. I submitted my claim 17 days ago and a check was sent out today. Their website currently quotes a time frame of 20-25 days. I did receive two emails letting me know that my claim was in line to be processed, so I knew that I wasn't left hanging. After submitting my claim, I reviewed my policy because I wanted to have an idea of what to expect and I needed a refresher of what was/was not covered under my policy. Their explanation of benefits form detailed out all the charges, what was covered, what it was covered under, and the amount I met for my deductible. The EOB form was very easy to follow. (I would say it is easier than my own personal insurance.) I've always been nervous about how my first claim would go, so I am pleased that I got back what I expected. I had no issues.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

Exceptional Service

We have been with Embrace for ten months and couldn't be happier with the choice we made. We sifted through several competing companies before finding the "right fit". The representatives are extemely helpful in helping to choose the right coverage for your needs. Claims are handled quickly. Annie's spaying was covered only weeks after obtaining the insurance and the remaining amount covered the cost of some of her preventative care. I must disagree that wellness is not covered, it is an option that can be readily obtained.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Under a year

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10

out of 10

I love Embrace

This is my second dog which I've had covered with Embrace. I did have other coverage for my last dog who and changed to Embrace because I was upset with her plan coverage. Anyway, they were great with her, and they continue to be fabulous with my current dog, Cindy. We had a little lapse in time where there were delays in having the claim checked out, but once things were checked, it all went straight through. Everyone is great at keeping you informed on what is happening, and you actually get answers if you email with a question. It was suggested that I change coverage by a friend,but I will never change from Embrace. As a side note, I did increase to full coverage for the wellness plan this year. Can't beat that deal either! HOpefully, I don't need to use the coverage ever again, but if we need it, I know that same great coverage is there!! Thanks so much for everything!! Kathy and Cindy. :-D
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Great

I was impress with the speed in which they reviewed my claim.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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1

out of 10

TERRIBLE!

I have two great danes and switched to Embrace because of the wonderful reviews and raves about great customer service. I submitted a claim and got emails for several weeks saying it was in line to be dealt with, they were behind. When they did review it, the claim was denied for reasons that I had specifically asked about being covered when i called to get more information. I was told something would be covered and of course it wasn't. Had i not switched to embrace, I at least would have got something back from my old insurance company. I am terribly disappointed with this company.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Great Dane
  • AGE OF PET: 1 - 8

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9

out of 10

Healthy Paws Really Cares and Fast Service As Well

We've been using Healthy Paws for a little over a year and a half and the first year, thankfully, we did not meet our deductible and therefore didn't really 'need' Healthy Paws. This year, however, our dog had a an eye issue (she's fine and it went towards paying our deductible) and more recently a GI issue requiring an overnight with IV fluids, x-rays, meds, etc and we received our claim check within a couple of days. The claim process is easy, clear to understand, and fast. We keep a blank claim form on file at the vet and they handle everything with Healthy Paws. We also really like the personal connection with Healthy Paws - we can talk to real people easily and they even reach out to us after submitting a claim to see how our dog is recovering.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Love these folks!

I have 5 dogs and 3 cats -- the dogs are covered, the cats aren't. This month, I had a new dog who needed spay and other services. I also had a cat with an infection. The cat ended up costing nearly $600, which is all out of pocket. The dog cost just over $300, of which I will get back $200. I faxed the claim yesterday and just was notified that the claim has been processed and my reimbursement will be on its way to my checking account.:) Maybe it's time to cover the cats.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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2

out of 10

Beware of the Increase After Only One Year

We have paid for our Trupanion insurance for one year on our two puppies who are staggered in age. As soon as the first puppy turned one-year-of age, Trupanion raised the premium on one puppy from $42 per month to $54 per month. I assume the second puppy will receive an increase in a couple months which will cost $104 ($50 deductible)per month for puppies only one-year of age. I am unsure that this is worth the long term commitment of $1,248 per year for ten years down the road when dogs will need the insurance. We had a claim when our puppy was stung by an insect and had a swollen nose. Apparently that drove our $84 per month payment to become not enough for Trupanion...but it was enough for me.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Dachshund
  • AGE OF PET: 1 - 8

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