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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.

5

out of 10

A+ = reimbursement TAT, F - pre-existing

I was very pleased with the fact that it took 10 days from the office visit to the time I received a direct deposit for meds. What I am not happy with is the fact of how they treat "pre-conditions" We adopted our stray dog on 11/19/10, no medical history at all for him. Took him to his first vet visit and he had some problems. We purchased the insurance on 12/5/10....obviously couldn't get it BEFORE we adopted him.....See the emails below and my response.... #1. 12/23/10 Regarding your claim - "Recheck Ears" - with Claim Amount $66.00 for dates 12/20/2010 12:00 AM to 12/20/2010 12:00 AM "Hello Sharon, Thank you for faxing in Peanut's claim documentation, which we received today. When I reviewed Peanut's claim, I noticed that the vet visit for this claim occured in the 14 day waiting period for Peanut's coverage. Unfortunately, this means the claim you submitted is not covered by your policy. I am sorry this email does not bring you good news and I am disappointed that we could not provide benefits on this claim. I look forward to providing you and Peanut other benefits and services in the future. If you have any questions regarding your claim please do not hesitate to contact me. Thank you for choosing Embrace." 2. 12/23/10 "If I purchased on the 5, starts the 6th with a 14 day waiting period, it's effective the 20th, correct? So how did it occur in the 14 day waiting period?" 3. 12/27/10 "Good morning Sharon, Sonya has passed your email onto me hoping t
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Shih Tzu
  • AGE OF PET: 1 - 8

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10

out of 10

Right on Time!

Our dog ate a pound of Chocolate covered raisins and spent the weekend in the doggie ER. Our Embrace policy covered a significant portion of the bill and the service was excellent!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Great customer care

I just signed up for Healthy Paws after researching all of the companies online ultimately decided on Healthy Paws because of the great customer service! I know that everyone who is reading this has had numerous experiences in life where bad service and customer care left you wishing you were not committed to a company+On the other hand, it is worth making the commitment when you receive such wonderful customer service. I havent had a claim, but can tell when and if that happens it will be prompt and efficient! Thanks Healthy Paws! Lauren and Reilly
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: 1 - 8

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10

out of 10

Informative, helpful & excellent customer service.

After our Snoopy (yellow lab) passed away from cancer we decided that with our next pet we would purchase pet insurance. We did a great deal of cost comparing with different insurances and Embrace gave us the most coverage for our money. Our Vet.. (Cooke Vet Medical Center..Va. Bch. VA) had a brochure in their office detailing Embrace's policy. From the moment Marbles (yellow lab) arrived at 3 months old Embrace had given us excellent service when filing his claims. The customer service we receive via phone or e mail is outstanding. Embrace goes out of their way to explain benefits and claim coverage. The speed of reimbursemts with Embrace is the best. Not only is it fast but they let you know when you should be receiving it. What a tremendous comfort it is knowing that in today's trying economic times that there is a pet insurance company like Embrace that helps us with our pets needs. Thank you to everyone at Embrace for your outstanding customer service. It is greatly appreciated.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Under a year

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10

out of 10

Great Customer Service

My 2 year old boxer was recently diagnosed with a bout of follicultis and I submitted vet bill to Embrace. They acknowledged receipt of my claim quickly, kept me updated and responded that a portion of the diagnosis would be covered and a check would be forthcoming. I never had to worry about where my claim stood!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Boxer
  • AGE OF PET: 1 - 8

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1

out of 10

Worthless!

I had it for my 3 pets...they deemed everything as pre-existing (which they were not) and wouldn't pay a dime. It cost about $1000 for the year and it was money poured down the drain!
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Pinscher
  • AGE OF PET: 1 - 8

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9

out of 10

Glad we have it

After having 2 cats with many medical problems and no insurance, we adopted our Lhasa Aspo, Lucy, and made sure we insured her. While she is in good health, she has had some medical issues which were covered 80% after the deductible was met. It has helped tremendously. I wish there was some sort of coverage for dental, which is a common issue with this breed and is very expensive, but necessary for her health.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Lhasa Apso
  • AGE OF PET: 1 - 8

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4

out of 10

Hidden Trap

Be aware that Pets Best does not pay for all prescriptions. My vet prescribed and dispensed Proin-25 for my dog's urinary incontinence. Pets Best refused to pay. They said it was not approved by the FDA. The vet says it approved. The label says it is for veterinary use in dogs by prescription.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Pinscher
  • AGE OF PET: 1 - 8

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10

out of 10

A Company with Integrity for a Change!

At first I was hesitant to go with a smaller company. But after diligent research and great referrals from a colleague, I insured my dog here and am so glad I did! I am an Animal Behavioral Biologist and author, and my darling dog who I adopted from the shelter, Ami, is literally going to be the main character in my next book! A few months after my insurance started (fortunately I bought it almost as soon as I got him, Ami - my star character - started to lose his fur and developed a related dermal/hormonal condition! Poor Ami and so much for my beloved star being naked - without his fur coat! Not to mention his discomfort and sensitivity to the cold. Well, Healthy Paws Pet Insurance took expert care of us and we finally got his skin and fur in healthy condition again! We weren't treated coldly and callously as the bigger companies do, and as long as they stay great, we will rave about them!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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1

out of 10

VERY DISSAPOINTED!

Before purchasing insurance I specifically inquired re what the company defined as a pre-existing condition. I specifically asked if a dog had ever had some form of illness/problem but had gone away/been cured and it later reoccured whether that would be denied. I used allergies and ear infectiona as examples. I was informed (and I'm paraphrasing) that as long as the issue reoccurred independently at a later date it should be covered. Trusting this was true I purchased a policy in October 2011. Sadly, a month later my dog developed 2 bumps on his legs, which initaly the vet thought was allergies/alleric reaction. However, several visits and tests later they determined he had 2 mast cell tumors and he had to have surgery. I submitted the surgery and vet bills re these tumors and they were denied! Re the allergy issue, Pets Best claimed he had symptoms of this condition prior to the policy. Re the mast cell tumors they claimed that the condition had to have started before the policy given "the amount of time such a condition takes to develop?!" Really?! The bumps occurred almost over night and my vet said there is no way to tell how long/when this started. In case you don't know, anything in animals can take time to develop because unlike humans they don't talk and tell you what's wrong nor do you have regular check ups. So basically this excuse can be used to deny ANYTHING because how long does an ear infection or a cyst or a bladder infection, etc. really take to de
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

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