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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

Wish I had signed up the day I brought Mateo home

My new pup developed a serious skin condition within days after coming home. I had read about Embrace, but neglected to sign up right away. Big mistake. Multiple trips to vet, medication and other treatment -- all expensive -- would have been covered. Have since signed up and been pleased with service. Only two drawbacks: I found providing initial background information to be a bit of a hassle. And I didn't realize, initially, that claims needed to be submitted within 60 days of treatment. By the time i did figure that out, it was too late to submit some significant expenses. Advice to newcomers: read your policy carefully AS SOON AS YOU RECEIVE IT.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Under a year

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10

out of 10

The best investment I've ever made !

My experience with ASPCA insurance has been nothing less than perfect. The process of filing a claim could not be any easier and turn around time is excellent. More importantly it gives me the security of knowing I can get the best possible care for my dog. I have had 2 dogs on this insurance plan sadly I lost my Rotti suddenly a year ago I dont know what I would have done without the insurance. I now have my American Bulldog on the plan and thank goodness for that because this last year has been rough for her. The people who I've spoken with at ASPCA insurance are absolutly precious they are so caring and its quite obvious they truly love animals. Its not just a business for them you can tell by talking with them they love animals as much as we all do and want only the best for our pets. Very compassionate people who love what they do.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Bulldog
  • AGE OF PET: 1 - 8

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10

out of 10

Transparent, responsive and professional

After researching various insurance options for a healthy 5 year old bloodhound I chose Embrace because of the recommendations of other dog owners, the variety of its plans and the fact that payment is based on the vet's actual bill and not some unpublished schedule of fees. I actually liked the fact that when you sign up you fax your dog's medical records and Embrace will tell you upfront what they will not cover--if you don't like the answer they will give you your money back and allow you to cancel the policy so there are no surprises. Soon after I took out the policy, which I thought I would not use much, it seemed like every other week my dog came down with something--including an unprovoked attack by an off leash dog that required surgery. I honestly thought I would get a letter canceling the policy or hassle about the claims but to my amazement Embrace was great and their process allows you to follow a claim. When I or my vet fax a claim I receive an email acknowledgement that it has been recived. Within a few weeks or less I receive the analysis of the claim and the payment due to me (with the name of someone to speak with if I disagree) and shortly thereafter I receive a check. And periodically I receive an email to make sure I actually received the checks. Embrace covered everything they said would cover and there have been no problems because of these unforseen health issues. I strongly recommend Embrace. Every penny of their premiums are worth it when your dog g
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bloodhound
  • AGE OF PET: 1 - 8

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10

out of 10

Beyond expections!

My dog was injured by someone leaving broken glass in the bushes, requiring emergency surgery. After that, follow-up visits (we're on our third so far) for splint change, medication, and stitch removal. To my surprise I got two checks in the mail already - not even three weeks after the accident - that will pay for nearly everything after our $100 deductible. I am delighted and so happy ... glad I kept this up, especially in a year where I was unemployed for nearly half of it. Cannot recommend enough!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Staffordshire Terrier
  • AGE OF PET: Over 8 years

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2

out of 10

Might not be worth it

My cat's claim was denied because his file said he'd vomited a couple times in the past. What animal doesn't vomit at some point in 9 years? That's hardly the same thing as vomiting repeatedly for days in a row, requiring x rays, multiple blood tests, and medications. Unless you insure your healthy pet at birth, it might not be worth it. Your dog was hit by a car and broke his leg? Well, it says here that 5 years ago he tore a dew claw so that leg's not covered. Your dog has pleurisy? Well, she was panting during an exam 10 years ago so that's not covered. She obviously had lung issues then. Cat's developed diabetes? Well, he was apparently a bit overweight at one point so we aren't going to cover that. Any animal that hasn't had a major illness can still be construed as having pre-existing symptoms for just about everything at some point. I'm saying yes for recommending this company to other pet owners, but it's very conditional. Get the insurance at your puppy/kitten's first exam. Maybe then they'd actually be covered.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Over 8 years

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10

out of 10

Embrace is the Best!

I had another insurance company for my 4 Great Danes before I switched to Embrace. Last year, one of my Danes had a tumor on her foot that eventually resulted in the amputation of a toe. I was very disappointed in the reimbursement I received based on a fee schedule, not the actual cost of services. The company that claimed 80% reimbursement actually ended up paying about than 50% of my costs. After researching online, I decided to switch to Embrace. Two months after switching over, my one year old Great Dane developed prostatitis and a UTI that didn't resolve on antibiotics. My veterinarian recommended a neuter. Unfortunately, he had a clotting disorder that we were not aware of. He bled after surgery, went into hypovolemic shock, and developed a heart arrhythmia. He nearly died. He received emergency care at my regular veterinarian, then transferred to a 24 hour emergency clinic, then was hospitalized for 4 days in ICU at a large referral hospital. Knowing I had Embrace allowed me to concentrate on getting him the medical care he needed without worrying about how I would pay for it. I was with him through his entire recovery and he is now home and 100% better. My claim was handled quickly and efficiently with good communication. Best of all, Embrace did just what they said they would. They paid 80% of my costs after the deductible was met. I If still had the other company, I would have ended up paying thousands of dollars more.I am a veterinary technician
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Great Dane
  • AGE OF PET: 1 - 8

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9

out of 10

Embrace

dog got a wart of her lip which grew quite large took dog to vet... Vet biopsed wart and removed total claim was allowed and my deductable was taken out... Embraced paid Overall happy customer
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dogue De Bordeaux
  • AGE OF PET: 1 - 8

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10

out of 10

Fanatastic Service with Professionalism and Speed

We never had a pet before, but knew that once our little dog came into our lives, he was a member of the family. With Embrace, we are able to take care of him and address any health issues right away rather than waiting to see what develops. The follow-through and professionalism of the Embrace staff is amazing.I have recommended Embrace to my family and friends. Keep up the great job!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

Bella's 1st check-up

Bella is our 2nd dog, we had a Pom, name CoCo. I regret not having Health ins. for CoCo many times. When we decided, CoCo was too old, and we learned from that experience. Bella is now the new member of our family and with any family member, you want to cover every base needed for the "Well Being" of your family. ASPCA gave us very affordable rates, and their rep. have been very helpful assisting us with our questions and needs. ASPCA has quickly email us with response to Bella's and our needs. We thank God that there is affordable health ins. for our "Bella"
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: Under a year

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10

out of 10

Excellent plan with routine coverage

We've had this policy for the past 4 years, since her other policy wouldn't cover her after she turned 10, even though we'd had their policy for 8 years! With the other policy every time we had a claim they used the diagnosis to put a rider on the next year's claim so that it wouldn't be covered again. This plan has paid for all claims, subject to $50 deductible per incident and then 90% payable. They have paid fast and never questioned any claim. I highly recommend them since they pay 90% of the vet's fee, not 90% of the U & C.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Sheltie
  • AGE OF PET: Over 8 years

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