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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.

8

out of 10

Rising Cost of Health Care

Last May our rescue lab got into some insecticide. In two short seconds she ate thru a bag, ingested a very small amount which almost killed her. It cost us $4000 to save her life! The next day, Grace ran off and while gone, she ate poison that was left out at a nieghbors home. It cost us another $2000 to save her! As you can imagine my husband and I were at our wits end! This was adding up. I had looked into pet insurance but now we were taking it a bit more seriously. The ASPCA looked to be our best bet. For $70 a month we could insure all 3 labs against unexpected health costs. The last week of July we submitted our application for Level 2 insurance with the ASPCA for all of our dogs and we were accepted on August 1st. I needed just 1 month for all dogs to be fully insured. On August 31, Bowie our middle dog took off to a nieghbors home. He came right home when called and looked fine when I left. When I got home 3 hours later, Bowie couldn't get up to greet me. I rushed him to the vet! Our vet found marijuana, dirt, rocks and garbage! But there was something else, posion possibly? Bowie was not reacting well and had to stay at the pet hospital a few days. Bwoie lives but it cost an additional +$1600! I submitted our claim to the ASPCA and waited. There's a one month waiting period for your ASPCA Insuance to kick in and this incident was one day shy of that period. We held our breath for a couple weeks while it was being reveiwed and we got a check for half of the t
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Over 8 years

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10

out of 10

Excellent first time claim and service

We purchased Embrace in November. Our bulldog puppy ate a toy and ended with an intestinal blockage. The claim was processed quickly, the phone customer service was very helpful, the explanation of benefits was clear, all vet charges were accepted for the full amount, and the check was welcome.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: Under a year

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8

out of 10

Good coverage so far, but jury is still out

We have 2 embrace policies, 1 dog and 1 cat. We had the policies nearly 1 full year before we ran into any major issues, but now we've had 1 major issue for each pet (It's been a difficult year) and in each case the issue started at the end of the first coverage year and wasn't even diagnosed until the 2nd so we're stuck with the continuing care maximum. With our dog the issue was elbow dysplasia and we had initial xrays done in policy yr 1 when symptoms developed, it wasn't until we were finally referred to the specialist that we were given a diagnosis. We had an additional set of xrays done and arthroscopic surgery preformed so that the vet could establish what we really going on in our dog's case. Embrace paid their 80% for both sets of xrays and the arthroscopic surgery promptly and efficiently, but now we've already hit our continuing care maximum for the year just figuring out the issue (even though we weren't able to really use the benefit of the $10,000 coverage, we only had about $600 in bills the first yr). We are lucky since the vet was able to determine that she had slight joint in congruency in her left elbow, but further surgery (such as adjusting the length of her ulna) wouldn't be recommended at this point since her cartilage looks healthy and the incongruency is minimal. We'll just have to be more mindful of her lifestyle and the amount of exercise she gets needs to be moderated so she doesn't develop arthritis. We also noticed a melano-like ma
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Unhappy with Yet Another Premium Increase

I have been with Trupanion (formerly VetInsurance for about 2 1/2 years. I have found their claim processing to be very timely and have never had a problem with them denying my claim. But, my premiums started at about $37/month and have gone up every year. The latest increase is from $47 to $58. And, my vet clinic has not increased their costs, so I find it hard to believe that these premium adjustments have nothing to do with either my pet aging or claims I have made.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Very Pleased

I'm a new customer and have received exceellent and knowledgable asistance and very timely reimbursement for claims.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Under a year

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2

out of 10

Not such great insurance...

In one year, I had 12 different "insurance specialists" respond to my claims. None of them know my pets well, each one comes with different requests. 90% of my claims are rejected!!!The problem is that all insurance companies are the same, this one is one of the worst.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Wonderful

I have only had Embrace for a few months. Long enough to have many puppy visits. My claims were handled fast and my reimbursement received prompt.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chow Chow
  • AGE OF PET: Under a year

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10

out of 10

Excellent communication on claim

We adopted an adult German Shepard from the SPCA four years ago. We hadn't purchased insurance for other pets we'd owned and had some large vet bills with our last dog so thought we'd try insurance this time just in case. We had one small claim in the first year that was settled promptly and then just before Christmas our vet said that we needed to get X-rays and tests for a heart murmur. It was pretty expensive but we swallowed, handed the credit card over, and then submitted a claim. We received an email within 48 hours advising us that the claim had been received and was being reviewed, and today, one week after we faxed it in, we received an email notification that it had been approved. We hadn't expected to hear back so quickly. It was great news.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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9

out of 10

Great service, hassle free claims

We had never purchased pet insurance before and so, we researched many companies. Embrace seemed to have everything we were looking-low cost and good coverage if we needed it. Didn't really think we would be needing it but our weimaraner, Willy, proved us wrong. He is a joy and a clutz.He managed to cut his leg elegantly while walking in the basement, bang into the wall at 'doggy daycare' and get a bruise on his side that was the size of his head. Embrace has been great with the claims. The claims process is efficient and easy, and they respond to questions right away. We will be coninuing our coverage for Willy. We've also started agility classes (let's all hope it helps his coordination).
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Weimaraner
  • AGE OF PET: Under a year

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10

out of 10

Claim adjusted within 24 hours!

We faxed the claim form in and the claim was settled the very next day - not even 24 hours later!! Best yet! Thanks so much for your continued fast and courteous service! Everyone at Embrace is the greatest. Highly recommend.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bichon Frise
  • AGE OF PET: 1 - 8

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