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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.

1

out of 10

Disaster

The ASPCA health insurer has managed to pay only 11% of my dog's health costs over the five years of my policy. 11%! For example, they denied a claim for a set of xrays and an office visit when he injured his leg (partially torn ACL) because it was more than 180 days, and then denied the cost of his pain medication because the prescription was from a "prior policy period". Seriously, this insurer finds every possible way to reduce or deny claims. Why would you pay a premium to be reimbursed for only $146 out of $1291 in claims?
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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3

out of 10

Service is not hat it used to be

Claim emailed on 2/2 but not acknowledged until 2/11. Then had to wait 3 more weeks to get reimbursed. I received no email notice of benefits paid until I called and asked. You would not have gotten a 3 but the person who actually provided answers was very nice.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Schnauzer
  • AGE OF PET: 1 - 8

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10

out of 10

ASPCA Pet Insuranc has been a lifesaver

Since I am on a fixed income it has been imperative for me to be able to guarantee that my Cocker Spaniel, Pepper, has the medical care he needs. Since Pepper is eight and a half, he has developed age-related illnesses such as colitis and arthritis. Having ASPCA Pet Insurance has allowed me to provide the on-going medications Pepper needs to enjoy a good quality of life. All of my claims have been paid, according to my policy level, within a reasonable period of time.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cocker Spaniel
  • AGE OF PET: 1 - 8

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10

out of 10

Quick payment & great coverage

Quick payment was made for my young dogs prescription medicine which is necessary for his anemia (secondary to his kidney disease). This company has always been the best --- from coverage & quick claim processing & customer service.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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8

out of 10

aspca animal health insurance

I have three dogs gigi,coco,biscuit and right now i have the two older dogs with aspca.MY gigi girl has been sick and hurt a couple of times sinces i got this insurance and let me tell you knowing that i have insurance i don't hesistate to take them to vet. the first time i waited to see how it work and i couldn't belive how much i was getting back and after i called couple of times and was explain my insurance i was glad i had it.this last time gigi got sick it was sudden her eyes were covered in catracks and i was truly scared for her. i didn't think twice about taking her and when the vet said we should do this to make sure it isn't something worse i knew i would get so money back for her.Im so please i will be putting my third one on. i have even told all of my friends to get this for them it helps alot.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: 1 - 8

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10

out of 10

Easy communication and quick reimbursement

Our dog had undergone a series of diagnostic tests and subsequent treatment for heartworms. (Even in spite of staying on top of regular meds, dogs are still very much at risk for them!) Healthy Paws has been very easy to communicate with via e-mail and the reimbursement process was quick and fair. I'm very glad we have a policy with them. I'm a first-time pet insurance policyholder and I'm glad I made that decision. I received reimbursements within two weeks of first faxing the claims to them.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Great pet insurance

So glad I choose Embrace Pet Insurance. Claim forms were very easy to complete. I received great communication by email after claims were received. Very quick processing and issuing of reimbursements. Follow up emails from Embrace to make sure I received my checks. Wish my own health care insurance was this efficient.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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9

out of 10

Very Professional and Helpful

Both our dogs have Embrace Insurance and we also opted for their Wellness Rewards program. When learning of the higher than expected cost of neutering our large breed dog, I called to see if we could upgrade our rewards program (even though renewal was not for a few more months) in order to absorb some of the cost. The service representative was extremely helpful and professional and took time to completely explain all details. Thanks to Embrace, we recouped an extra $50 back from the overall expense. They also made me aware when my email program was bouncing back their email updates to me about reimbursements. These people are a pleasure to deal with!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Akita
  • AGE OF PET: 1 - 8

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4

out of 10

S L O W to reimburse.

It has been 4 weeks since my dog's surgery and i have yet to be reimbursed for allowable expenses.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rottweiler
  • AGE OF PET: 1 - 8

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10

out of 10

Wonderful!

Romulus got into a bag of trash left outside while I let him our for his morning potty break. Unbeknownst to me, he ingested a bit of moldy cheese. Four hours later, he was convulsing. I went to my regular vet first, then he was transferred to the vet school when they could not figure out how to make his convulsions stop (they tried various anti-convulsants to no avail). They finally discovered the problem, treated his accordingly with fluids, hospitalization in ICU and very expensive meds). Of course, the only thing I was concerned about was his health at the time, but after he can home and recovered, I began to worry if Embrace would cover everything as well as they claimed they would. They did! After I submitted a claim and his records, they reimbursed me the amount agreed upon in my policy very quickly, with no questions asked. Love this company!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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