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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

Caring and Fast payer

I joined Trupanion earlier this year, soon after I rescued 2 kittens from a shelter. So far my experience with them has been very positive. One of my kittens suffers from frequent vomiting, we still have not found the cause. Trupanion has paid up quickly and efficiently each time I made a claim and enabled me to conduct an expensive ultrasound. I also like that advisors on the phone are well trained, always friendly and (at least appear) genuinely concerned about my pet. The only downside I can list so far is that payment requests have to be filled out by fax or mail. An email system would be much more efficient.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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9

out of 10

Excellent Pet Insurance Provider!

Trupanion has been great! They are very straight forward & quick with claims. Customer service is excellent! I tried VPI before this for about 6 months & had a very difficult time with claims & sorting through all the fine print of what is not covered, etc. Claims took a long time & the process just wasn't very clear. Trupanion has been the complete opposite! And they have flexible monthly options by adjusting deductible amounts, so you can find something that fits your budget. I don't find the need to get the maintenance packages (shots, regular dental) since my vet already has package deals for those. But for the unforeseen accidents & major illnesses, this has been so worth it for me & my 3 dogs... definitely an added peace of mind!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cairn Terrier
  • AGE OF PET: Under a year

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8

out of 10

Honest Reliable Pet Insurance

I have had a very positive experience dealing the Embrace. They have reimbursed the claims I've submitted fairly. I did a thorough job of clarifying what is and is not covered when I first selected my policy and there have been no surprises. They have excellent customer service and when they are slow in reimbursing on a claim (a month, they stay in touch. I would highly recommend them to anyone looking for pet insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Awesome insurance and customer service

I recommend Embrace pet insurance to everyone I know with a dog. They are prompt and will help you choose the best option for your dog and your budget.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rottweiler
  • AGE OF PET: Under a year

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8

out of 10

So far, so good

Disclaimer: I am a new customer and I am writing this review in response to the first reimbursement from Embrace. I also have nothing to compare Embrace to. So, more will be revealed but so far, so good. Excellent customer service: actual people who are kind, polite, and literate keep me up to date with the progress of the claim. Now, on the downside, I expected the policy to cover annual checkups. This is something that Embrace should provide: prevention, after all, is in their best interest. If they covered preventive care (i.e., annual checkups) I would give them a 10.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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9

out of 10

Great pet insurance

Our 3 year old English Bulldog had a luxating patella in her left rear leg. It took a couple of vet appointments for it to be correctly diagnosed as we first thought it was an ACL injury. Knowing we had Embrace Pet Insurance was a relief as we had a labrador mix that need to have an ACL surgically repaired about 5 years ago. We didn't have insurance for her and had to absurd the whole cost of the surgery. Not this time! We were able to schedule Lexie's surgery right away for the day after she was diagnosed. The quicker a luxating patella is corrected the better chance they'll have for a full recovery without ongoing issues. Lexie is doing great now. She still has a way to go to rehabilitate her knee but she is ahead of schedule. She has about 3 more months of recovery time to call the surgery a complete success. We would not have been able to afford the cost of the surgery without Embrace Pet Insurance. Lexie's half-sister belongs to my mother-in-law. Knowing that this may have been a genetic issue we talked my mother-in-law into purchasing a new policy for her half-sister as she had let the coverage lapse. Lexie's half sister is now covered by Embrace and passed her orthopedic exam with flying colors. We are fortunate enough to have thought ahead and purchased our policy after our original AKC plan was set to renew at about 10 times the original cost. The Embrace cost has gone up a little each year but nothing like how our old AKC plan was set to increase.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: 1 - 8

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10

out of 10

If you have a pet, you need Embrace!!!

Like most pet owners, my pet's needs are very important to me. She is a member of my family and when I found out my cat Annie had mammary carcinoma,I was devasstated. I had no idea this could even happen to a cat. I immediately thought this meant my time with Annie was cut short, but because I had Embrace Pet Insurance, that wasn't the case. Luckily I had decided to secure pet insurance several years before based on the great advice from my mom, because my policy helped out a great deal with the costs. It made the option of treatment possible. On top of the financial benefit during this situation and the financial advantage after every pet visit, the employees at Embrace truly care. If you respond to a cliam email, an actual person responds! Can you believe that??? I have also gotten the sense that these employees are also pet owners as well, which is comforting when dealing with a difficult situation concerning your pet. I am tahnkful everyday that I got Embrace pet insurance for Annie and continue to be very satisfied with their service. So, if you have a pet, there should be no cinsideration necessary....get pet insurance. It is a no brainer. Annie is now cancer free and has so many more years ahead of her.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Longhair
  • AGE OF PET: Over 8 years

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2

out of 10

limits on accident/illness coverage!

For routine care returns, the insurance is great. However, in terms of accident/illness coverage, I find it disappointing. My dog unfortunately got a hold of pork rib bones from the ground, so she was taken to the vet ER. We were reimbursed as expected; however, several months later, she ate something else off the ground that she's not supposed to, so she was taken into the vet ER again. Well, Petfirst declined the claim this time around. Their explanation was "treatment of foreign body ingestion, more than once per policy not covered per exclusions" So, for those pet owners who have dogs that likes to try and eat anything and everything, look elsewhere. Like another reviewer said, read the exclusions.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Bulldog
  • AGE OF PET: 1 - 8

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2

out of 10

BEWARE - Pre-Existing Conditions

Beware. Our dog has food allergies, which I could easily have avoided finding out about OR paying extra money to test. Anything wrong with my dog is now denied because of his "pre-existing" allergy condition. I could have chosen to be like 90% of pet owners and just ignored it, but I want my pup as healthy as possible. Therefore, I spent lots of money to get to the bottom of it and now I am penalized by Trupanion for every claim going forward. I pay over $300 a month on special grain free kibble from New Zealand. I am betting if he has an accident they will say that it because of his food allergies. Bottom line, they are going to try and do everything possible to get out of paying your claim.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: 1 - 8

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2

out of 10

Confusing

Just purchased Embrace for a new to us rescue dog. Confused and unhappy from the get go. I should have taken the inability to enter my proper address as a sign. I had to use a city/zip code 45 miles away. So far nothing has been easy, or straight forward. No we don't need anything from you, yes we need complete records. Claim has been paid, claim is being denied. Which one is it. Much happier with our previous pet insurance provider we have for our other dogs. Just may switch this pup to it as well. They seem to do everything they can to make paying a claim difficult from confusing/contradicting emails to contacting my vet directly for information I had already provided. Also pay as much as they can under the wellness benefit claiming it is to maximize 100% reimbursement, in reality this only brings you to your annual wellness limit with claims that should be under illnesses. Very unhappy!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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