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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.

10

out of 10

“Real” Insurance for your Pet!

A few years back, one of my dogs was diagnosed with osteosarcoma. Thankfully, we were able to operate and remove the tumor from Buster’s ribcage (a very unusual place for OS to occur), follow up with chemotherapy and buy him more time – so far, four more years! At that time, I hadn’t given much thought to pet insurance, but I wish I had. We racked up bills to the tune of $8,000 (but he’s so worth it!). Now that I have five dogs, I decided it might be a good idea to look into insurance for my pooches. After doing a good deal of research, I decided to go with Embrace. I was able to customize the policies for my dogs, which I loved. I didn’t have to fit my needs into a cookie-cutter plan. I got to choose what made sense for me – deductible, prescription coverage, co-pay, etc., and most importantly, the plans are affordable. Buster and two of the others are too old to insure (all are 13), but my two younger dogs (6 and 1) now have policies. I recently got to test the mettle of one policy when my girl Charlie had gastritis. Charlie ended up having to stay overnight at the vet’s for a few days. She needed multiple x-rays, an ultrasound, blood tests, IV fluids, etc., and round-the-clock care. When she finally came home, she had two prescriptions plus a 10-day prescription diet. The bill – just over $1800. I didn’t have high hopes as far as what insurance would cover (having had an AWFUL experience with ASPCA insurance), but my Charlie was worth it. My vet’s office submitte
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pit Bull
  • AGE OF PET: 1 - 8

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10

out of 10

highly recommend Embrace

We have been with Embrace for several years now and highly recommend them. Their payments have been quick and having a Cavalier that can develop possibly an inherited illness we wanted a company that would cover it if ever needed. Many companies in small print exclude inherited diseases for specific breeds. The staff are wonderful to communicate with and they have been great.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: 1 - 8

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10

out of 10

Smooth process and I got 90% Refund

My Olde English Bulldogge, Nabuco, started limping for no apparent reason. I took him to a specialty hospital (without a referral) where they x-rayed his front legs. The doctor found nothing was wrong with him and had a radiologist check out the x-rays and found nothing either. I thought my claim would be denied because according to 2 vets, nothing was wrong with Nabuco. But I still emailed my claim (only a claim form, Nabuco's record, invoice & receipt). In less than 10 days my claim was approved!!! The bill w/o the exam fee was $362 and Trupanion reimbursed $325.80!!!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Old English Bulldogge
  • AGE OF PET: 1 - 8

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8

out of 10

Peace of Mind is Priceless

While I have only had to file one claim with ASPCA Health Insurance, it gives me peace of mind knowing that I have a safety net if something serious were to happen to either one of my dogs. The claim-filing process is very easy and I received my check quite promptly.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

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10

out of 10

They are fantastic

We took out an insurance policy with Healthy Paws in October of 2010 as our dog had already had one knee operated on and there is a 50/50 chance he will blow the other knee. In March, we filed our first claim due on a small injury he had. In less than one week, we were reimbursed for xrays and medications. We were amazed how quickly they responded. Then, one week later, our dog has to be taken to the ER due to what was diagnosed as Addison's Disease. Healthy Paws was great. I filed the insurance claim form and faxed it to them. That same day they sent me an email letting me know they had the form and were sorry to hear of his illness. Within one week of our visit to the ER, we were reimbursed for 90% of our expenses, which was not cheap. With this disease, bloodwork and meds will be needed for the rest of his life. These costs range over $200 every 28 days. Each time we go to the Vet's office for his treatments, they file the claim form for us. It is just that easy. By that evening, I usually have an email telling me they are working the claim and within 24 hours I receive an email with the easy to read Explanation of Benefits form showing what was submitted and what will be reimbursed. Then within days, I receive the check in the mail. Healthy Paws has taken the stress out of dealing with our dog's disease. We love our dog and know that we would pay whatever to help him. It is great though to know that Healthy Paws is by our side while we go through this.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Big Dog Bloat Surgery - 3am ER visit

When my dog had retching issues and a distended stomach at 3am, I took no time to consider my insurance requirements. I just took my dog to my regular 24 hr emergency vet. After surgery and a two day recovery, I had a $4,700 bill. The vet stamped my embrace form when I came to pick up my dog. I took that doc, and all of the payments (1/2 estimate pre-pay and remainder at the end of the visit), scanned them, and then emailed them to the claims email address. There were some issues with mis-matching birthdays since I went to an ER vet and not my regular vet (whom has my current info). The ER nurse made some assumptions as there wasn't time to properly populate the on-boarding forms. I asked the claim agent if this was an issue and he assured me that if my typical vet had the correct info, I should be fine. It was no issue. I also forgot to sign my claim form when I first submitted it. This also wasn't a deal-breaker as I was contacted to re-submit: no big deal. about 10 days later, I received an email stating that my claim was approved and the amount I would be receiving. Seven days later, I had a check for around $3,500. With all of the sketchy stories and websites out there regarding pet insurance, I really only half expected Embrace to pay out.. and, if i did get anything, I figured it'd be a paltry sum due to some fine-print exclusions... There was no BS, no back & forth, no issues. I recommend.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mastiff
  • AGE OF PET: 1 - 8

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10

out of 10

Friendly, Fast, and Easy

I recently submitted my first claim with Healthy Paws. My 7 month old French Bulldog had contracted Giardia over Christmas. I had to take her to a different vet than her usual one since they were closed for the holidays. Healthy Paws helped me gather her medical records from the new vet, and old vet, saving me the legwork. The claim was processed in a very short amount of time, and they even called to check up on how my dog was doing! I spoke with a couple of different customer service agents, and they were all so nice and helpful, I wish more companies could follow their example.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: French Bulldog
  • AGE OF PET: Under a year

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9

out of 10

Thank You Embrace!

When I received my second Service Dog - a healthy, beautiful black lab, I knew one of the most important things I had to do was research pet insurance. My first service dog had too many pre-existing conditions (since she was a rescue and had health issues when I got her) and insurance wasn't possible at the time. After researching a lot of companies, I decided on Embrace. I made a great choice! In December, my healthy Service Dog was not acting herself. Initial tests pointed to cardiac concerns, but with further tests were ruled out, and medication cleared her symptoms. I was so thankful! She has Crystalluria, but this is manageable. Embrace was there every step of the way with excellent customer service! Thank you!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Healthy Paws --A Must for Pet Owners!

They are the best! My pet -- Simba -- had a very serious life threatening experience that required that he spend four days at the vets recuperating. Healthy Paws came thru for us with coverage for our tramatic experience. If they hadn't we would have been saddled with a very high pet bill that would have been horrendous.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Belgian Malinois
  • AGE OF PET: 1 - 8

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10

out of 10

porcopine encounters

I have spoken to many people about their claim experiences with other providers and have heard stories about exemptions for 2nd or 3rd claims such as quill removal. Trupanion has never questioned our claims and has always processed them quickly. After 3 years of off leash walks I find that my 2 huskies will now be on leash which is unfortunate. eventually there will be some fully fenced off leash areas in calgary. I recommend Trupanion to all and wish I had purchased insurance for my previous 2 huskies who over the course of 12 years cost us around $30,000.00 I couldn't be more pleased with a provider.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Siberian Husky
  • AGE OF PET: 1 - 8

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