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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

Pleased with the Accident/Illness Plan

I purchased this insurance as an AFLAC type plan. I have primary insurance for my heeler, now 7, through Banfield. However after Samantha was attacked by a neighbor's dog and needed emergency care and surgery (which Banfield did not provide) I decided that we needed somehting extra, as a just in case. We have used it a few times for things that were not covered at Banfield. They people at ASPCA are very friendly. helpful, and quick to respond. Very happy.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Australian Cattle Dog
  • AGE OF PET: 1 - 8

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8

out of 10

Review claims in a timely manner

Handled claims quick.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Under a year

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10

out of 10

very good

I have a six month old yellow lab. I had no idea she would come up with the medical problems she has had. My puppy has had three different claims due to giardia, hip dysplasia, and ingestion of chocolate. I have been very pleased with the prompt processing and payments made by trupanion. I hope she grows up without any more problems but im very grateful for my pet insurance because i love her enough to provide the care she needs.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Under a year

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10

out of 10

As Usual, The Best

We appreciate the prompt responses we receive from Embrace. As I've mentioned before, we own a dog grooming shop in Florida and always refer customers to your company. I hope some take advantage.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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8

out of 10

Make a sad puppy HAPPY again!

In March 2011 our 10 month old Lab/German Shepard puppy started having loose stool and slight lack of appetite. After about 3 days of this, I took her to the vet and took an exray to make sure she hadn't eaten anything that she shouldn't, no she did not. He also took some blood. Her tests came back fine so he treated her for colitis (bad spelling, sorry). She was on antibiotics for a while and white rice and grilled chicken diet for about a week. Once her stool was solid we slowly added back dog food. She has been fine since. We submitted all the forms to the ASPCA insurance and they paid the claim according to our contract. Well worth having the insurance for the peace of mind, especially with a curious puppy. Thank you ASPCA. Debbie Londeck
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

A year of great service and quick refunds!

I have been with Embrace for just about a year. I have a black lab puppy that I got when he was 8 weeks,and since that time he has had some serious stomach problems due to allergy issues and we have spent a lot of time at the vet and the emergency room. Every claim I have submitted has been handled very quickly, and each explanation and refund has been exactly as I expected per my policy. The customer service team is very responsive to both calls and emails that I have initiated, and questions that I have had have been answered to my satisfaction. I expect there will be some changes to coverage/refunds in the next year, if the allergy issues continue, as they could become a "pre-existing condition" once the policy renews. However, I understand that this is common with most pet insurance, and my overall satisfaction with Embrace will keep me renewing year after year even though "pre-existing" conditions will not be covered.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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9

out of 10

FAIR AND HONEST

I HAVE SUBMITTED 2 CLAIMS FOR MY PETS. I HAVE A BEAGLE AND A ROTTY. ASPCA HAS PAID ALL CLAIMS FAIRLY AND QUICKLY. I FEEL THAT IT IS A GOOD INVESTMENT. I LIKE THAT THEY DO NOT PUT A CUTOFF ON YOUR DOGS AGE AS MY PETS ARE 8 AND 9 YEARS OLD. I AM VERY SATISFIED AND WILL CONTUNUE AS LONG AS I CAN TO GIVE THIS BENEFIT TO MY DOGS. CUSTOMER SERVICE REPS HAVE ALWAYS BEEN VERY HELPFUL AND KNOWLEDGEABLE
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Beagle
  • AGE OF PET: Over 8 years

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1

out of 10

Worst insurance coverage I've ever had

When I applied for coverage my puppy was 3 and 1/2 months old. Embrace wanted me to get an orthopedic exam, and then they would wave the 6 mo. waiting period. My vet advised against this saying very young puppies can exhibit as if there was a joint problem because their joints, ligaments etc. are much looser than an older dog and can present as a problem when there actually is none. For this reason I didn't get the exam. A month before the end of the waiting period, my dog fell and bruised a muscle in her neck, which was diagnosed as a soft tissue injury. This was not a pre-existing condition, but because Embrace defines Orthopedic as including muscles, cartilage, tendons, ligaments and joints they denied the claim. As far as I'm concerned they set you up to deny claims based on their definition of orthopedic . I was under the impression that would mean bones. Also although this claim was filed in May, I heard nothing from them until the beginning of July. Every week I would get an excuse, We're working on your claim. This isn't like Embrace." This has happened with every claim. I have a claim for an ear infection predating the soft tissue injury that I still haven't heard about. My vet had told me she heard this was good insurance. She now knows it isn't. I would not recommend it to anyone.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Maltese
  • AGE OF PET: Under a year

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10

out of 10

This was a positive experience

My cat had an upper respiratory infection that required four trips to the vet and several medications. Embrace processed and paid my claims right after they were submitted. Communication with me during the process and follow-up after the claim was paid was excellent
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

great customer service

expensive cataract surgery covered by this wonderful company - easy and quick claim procedure
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Lhasa Apso
  • AGE OF PET: 1 - 8

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