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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

Really Lousy Insurance

I stupidly paid for this insurance, for two dogs, for several years. I did not look into other options. I should have simply put that high monthly premium into a savings account for my dogs- I'd still have it. When I really read the fine print, I told my benefits admin at work that I'd be cancelling the insurance during the last open enrollment, he said "Yeah, I would have steered you away from that from the beginning if you'd talked to me." Lesson learned.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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9

out of 10

Very happy with my pet insurance

Our two cats are insured by ASPCA. Both had claims last year which were paid promptly. Renewal for 2011 was very easy and affordable. I recommend ASPCA pet insurance to all my pet parent friends.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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9

out of 10

I love the Wellness Account feature!

I have had Embrace Pet Insurance for only 4 months and since I had a healthy pet, I was mainly looking for a "health spending account" for my pet to cover vacinnations, spay and hernia surgery, and some preventive pet meds. So far I have been pleased and the reimbursements have been paid within 15 days. It is nice to know that you have the money for these preventive measures so that you pet stays healthy. The only negative is that the company wanted all of my pets records from the time I had bought her at 3 months and since she had not been sick and the breeder had already vacinated her, it was a little confusing but with a few phone calls from my vet, where she had her phyical,her health was verified.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Coton De Tulear
  • AGE OF PET: Under a year

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8

out of 10

Great except for continuning care maximum

Embrace does do exactly what they say and they have some of the best coverage around. Our 1 year old dog has elbow dysplasia and we have already been reimbursed for 2 sets of x-rays as the problem was being diagnosed. The first set was ordered by our regular vet and the second set by the specialty orthopedic vet and these fell in 2 separate coverage years. Today I dropped our dog off for arthroscopic surgery and possible osteoctomy that was pre-certified by Embrace (which was really fast, only a day or two). Our orthopedic specialist was surprised that they would cover this congenital disorder. The only draw back is that she started developing symptoms in our first coverage year and it took until the second to get a diagnosis because initial symptoms were consistent with a soft tissue injury. That means that this surgery falls under embrace's "continuing care maximum" of $2,500 instead of her over all $10,000 maximum which is a bummer for us because we didn't even have a chance to do much in her 1st year of coverage when the symptoms developed and her maximum would have afforded the 80% coverage. Now if the surgery is on the low end of the estimate, they will end up paying the 80%, but anything about that will be out of pocket. Many states don't have this continuing care max and we're hoping it'll be gone in our state (Alaska) for the next policy as embrace is trying to convert all states over. Once that change is made I would give embrace a 10. Reimbursements are p
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bernese Mountain Dog
  • AGE OF PET: 1 - 8

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10

out of 10

It is worth it.

Lily was my first dog 1 1/2 years ago. A friend recommended that I get pet insurance for atleast the first few years because you never know what you are going to get with a puppy. I got the insurance and have been very happy ever since. It has paid off, claims are easy to submit, quick turnaround time, and great customer service. I would recommend ASPCA to others (especially with a puppy)
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labradoodle
  • AGE OF PET: 1 - 8

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9

out of 10

Follow-up and Reimbursements

Imbrace Insurance impresses me in two ways, follow-up and reimbursement. Their follow-up to submitted claims is very quick and all claims have been applied to my plan. Imbrace understands they we have options when we are deciding on an Insurance carrier and service is their top priority.Thank you Imbrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: Under a year

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10

out of 10

Outstanding Coverage & Claim Settlement

We have had pet insurance on our Great Pyrenees and two Bichon Frises for over 14 years - the past 6 years with PetsBest. We have had tremendous medical expenses with our Bichons but the coverage we have with PetsBest has greatly helped with these expenses. They cover everything promised, no hassle in charges, services, claims settlement and their reimbursement checks normally arrive in the mail before our American Express statement arrives. We love our little girls as we love our children and grandchildren, have always provided them the very best in their lives including veterinarian care and are very appreciative to have their health insurance through such a superior company. We have recommended PetsBest to all of our friends and can not recommend PetsBest highly enough to everyone.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bichon Frise
  • AGE OF PET: Over 8 years

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8

out of 10

A Good Buy.

Our dog Bailey has had to go to the vet 3 times this year. Unfortunately, they were not for preventative care. He developed 2 ear infections and a respiratory infection. Each time we submitted claims, the process was very easy.. We had prompt aknowlegement of receipt of the claim and very fast pay out. We have broken eaven on the premiums even with out having a real serious injury. I would definitely recommend the ASPCA pet insurance.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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9

out of 10

I have recommended Embrace to my vet!!

I was extremely pleased with the reimbursement we just received for our newly adopted dog,Honey, who unexpectedly developed aspiration pneumonia. My previous 2 dogs had been insured with VPI. With repeated negative experiences over the years, I had decided that with our next dog, I would research to find just the right pet insurance company; and it looks like so far my homework paid off. I even told my vet's office about our initial positive experience with Embrace!!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Basset Hound
  • AGE OF PET: 1 - 8

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10

out of 10

Kelly's Plight

Kelly's story is one of the best testimonials for pet insurance.At 10pm on a May spring evening, Kelly (our black persian)started having violent seizures. We traveled 50 miles to the ER in Annapolis, Md. with Kelly having multiple seizures on the way. He was stabilized and held overnight. We were told diagnosis could be epilepsy, brain tumor, or toxoplasma to name a few; however, in order to actually know a neurosurgeon would have to look at Kelly, which entailed another 20 mile drive to Bouey, Md. In order to know for sure the neurosurgeon said Kelly required a MRI of the brain, the nearest MRI facility was located on the other side of Washington, DC, another 50 mile drive and the MRI would cost $1,900.00. With the two emergency room expenses Kelly's medical bill has been more than $3,000.00. Not once did Embrace question the expenses or the necessity and gave immediate approval for any and all tests. I am constantly touting the importance of pet insurance and to drive it home I relate Kelly's story. Kelly is responding and possibly will be able to be taken off of phenobarb soon. I have been told by various doctors that so many times other owners have had to make a very difficult and heart wrenching decision because of the expense of treatment. It breaks my heart to hear this so once again I say to Embrace, I thank you but most important of all, Kelly thanks you.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Persian
  • AGE OF PET: 1 - 8

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