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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

Poor customer service

I have had my elderly lab insured with them for almost 10 years. The premium has continually increased with decreasing coverage (most recently $102/month). They also have a manifest clause in the coverage that does not cover a condition from one plan period to another for 6 months. Basically, an existing condition is only covered for six months such as osteoarthritis. The customer service representatives are courtesy but are not knowledgeable about the details of the policy. Lastly, they charge a 10% cancellation fee. I
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

A great service

all in all it was a very helpful service, fast and affordable.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Pinscher
  • AGE OF PET: 1 - 8

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8

out of 10

Excellent!

I initially reviewed Pets Best as poor and related the several things that had gone wrong with my initial claim which had been declined. However, Pets Best Customer Service suggested that I resubmit the claim. I did so, and they processed it amazingly quickly. I received exactly the amount that I was expecting. I am most favorably impressed and very glad that I have Pets Best. Especially, I appreciate their customer service. It is easy to reach a real person via phone. I also really appreciate being able to monitor what is happening with my claim online. This has been my first experience with pet insurance, and I am delighted that it has worked out.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

10/10 Pay as stated, worth the Peace of Mind!

I have 2 senior cats, 1 male, 1 female and they're litter mates. I've had them since they were 3 weeks old, they're now 14 1/2 and I ADORE THEM!!!I've had '24 PetWatch's Quick Care Gold 90% for the past 4 1/2 years (when they were 'Per Care Insurance). This company pays exactly what they state they will pay. I fax them their completed form, they call with an automated message stating that they have received it and their check arrives in about 2 weeks. They pay as stated, my premiums have never increased, their prices are comparable and I am a satisfied customer! (If anything changes I will surely review the bad and the ugly!) It is well worth the peace of mind to know that I have this insurance for my babies! I love my kitties!
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Phenomenal Customer Service

Working with Embrace has been one of the most pleasant experiences I've had with any business. Our bulldog developed a severe limp when he was only 11 months old and after consulting with a couple of orthopedic specialists, came to the conclusion that he would need to undergo surgery to repair a patellar luxation (make sure you get a second opinion...the first surgeon wanted to do some exotic TPLO surgery to fix a cruciate that turned out to be perfectly intact). After surgery (which went very well) we submitted our claim for the initial X-ray with our regular vet, the consult with the surgeon we went with, and for the surgery itself. The claim took a little while (~2 months) to process, but that was entirely due to the delay in getting detailed records from the different providers. Embrace kept me in the loop the entire step of the way about what additional items they still needed and how I could help in getting them, and ultimately the claim was accepted - very fair and transparent. Can't say enough about how customer-oriented and caring they are. While I hope not to have to submit another claim for our boy, it makes it much easier knowing that we have a policy with such a great company.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Peace Of Mind!

I decided to go to the breeders house with my sister to see her puppy (just born at the time). I had no plans on getting a dog, I was just going along for company. When I got there and seen all the dogs I feel in love. The breeder informed me that someone backed out last min and there was now a dog available if I was interested. How could I say no! 8 weeks later we went out to get our puppies and I had everything home waiting for her, new bed, blankets,toys, treats,leashes etc. One thing I didn`t think of was Pet Insurance. Our breeder had a Puppy Package ready and informed me that he had signed Mia (what I named my puppy) up for a Pet Insurance Trial Package. That encouraged me to look into it further and seen all the beneifits, and signed her up permently. Some people have the attitude that nothing will happen and if it does then they will just deal with it. I like having the peace of mind that Mia is looked after, I hope I NEVER have to use it, but I sleep better at night knowing that if I need to use it she is going to be well taken care of. The staff at Pet Secure are excellent, they are so friendly and answer all my questions and always ask hoe Mia is doing. I would and do reccommend Pet Secure to anyone that is a pet owner. My little girl is taken care of and that means the world to me!!
  • INSURER: Petsecure
  • POSTED: 03/24/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Outstanding customer service, caring and trusting.

When my 15 month old was diagnosed with luxating patella, I was shocked. When I had the consultation and got the bill I was devistated. The doctor told me my insurance would more than likely not cover it. I did my footwork anyway, and Embrace kept me posted almost daily on what they needed from me, and what would be left to do. It brought me to tears when my puppy's surgery was authorized. I am eternally grateful for the financial load they lifted off my shoulders. That left me with the ability to focus on my pet. They even asked for pictures so they could see my puppies! I really felt like they cared about my puppy, and when surgery was done, I got an email with well wishes. They are top notch, and amazing.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Excellant Comapny for any Pet Parent

We are very pleased with Embrace. Previously we has VPI pet insurance. When we made a claim with VPI the amount we received was much less than we had expected. In the last month we made two claims one for Enteritis and one for a Urinary Tract infection. The Enteritis claims was processed right away and we were very pleased with the amount we received. The second claim is being reviewed at this time. When we had VPI if a claim was denied that was it they would not take a second look at it. Embrace is willing to work with the pet parent. Embrace is an excellant company for any pet parent.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

Very Quick to Exclude Conditions

I've held policies with other pet insurance companies, andup until today, I was happy with Embrace. I adopted my dog, Sugar, last August, and I knew that she was almost blind. My veterinarian was concerned about possible SARDS, and so, I quickly had Sugar seen by an opthalmologist at Purdue University. They did NOT diagnose her with SARDS, but instead with PRA -- Progressive Retinol Atrophy. This is a irreversible disorder, but except for the blindness, Sugar should have no other symptoms and/or complications. So, I forgot about it. PRA is not serious, and Sugar has adapted well to her blindness. Then, last month, she had a corneal ulcer, which prompted Embrace to review her records. They saw that my veterinarian was concerned about SARDS last year, and immediately informed me in an email that SARDS was added as an exclusion to my policy. Of course, I am fighting them on this, since they didn't even bother checking to see if Sugar saw a specialist, because if they did, they would know that she doesn't have SARDS. Even still, I am angry. This is a demonstration that Embrace is just following the other pet insurance companies -- i.e. they are just looking for easy, convenient ways to exclude conditions. I am confident that I will win, but I am still very disappointed. Shame on you Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

excellent

I just wanted to say that Embrace is legitimate in everything that they do. They are sincere and caring and genuiely care about pets and their owners. I only had a policy for about 2 months. My little girl had severe genetic heart problems and Embrace covered everything to make her comfortable. For the treatment and the price Embrace cannot be beat by anyone..... When the time is right for me to get another puppy I will for sure buy another policy with Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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