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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

Excellent pet insurance

When we got our pug Augie last year, we decided to buy health insurance for him, as we'd had a dog before and the veterinary costs were often quite expensive. After doing our research, we settled on Embrace, and we're thrilled that we did. Embrace has been helpful and efficient from day one; they're quick to respond to inquiries, and quick to send reimbursements for covered visits. They also seem to understand the important relationship humans can have with their pets. Kudos to you, Embrace!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

It's still an insurance company. Still sheisty.

I reviewed my options and chose Embrace based on other people's recommendation. No surprise, on my first claim Embrace found reasons not to cover my puppy. I signed up for coverage on 2/1/10. I was told that after a 14 day waiting period, my puppy that we had adopted from a rescue would be covered as of 2/15/10. On 2/22/10, I took my puppy to the vet for his final set of booster shots and had the vets fill out a claim form. Upon filing my claim, I was told that since he didn't see a vet during his 14 day waiting period, that he wouldn't be covered until March. NO ONE EVER TOLD ME THE DOG HAD TO SEE A VET DURING THE WAITING PERIOD IN ORDER FOR COVERAGE TO TAKE PLACE. EVER. Still, even though he was apparently NOT covered during that month, Embrace still charged me for February's premium, even though he was NOT covered and refuse to reimburse me for this month of non-coverage. Like every other insurance company I've ever dealt with, if they can find an excuse NOT to pay, they won't. Maybe this would be a good thing to have in terms catastrophic situations - dog gets hit by a car, ingests poisonous material, etc., but for one's average pet costs - shots, check-ups, etc., I don't think this insurance helps at all. I'm giving them a "2" rather than a "1" because their online response time was quite fast... but only to tell me that I wasn't covered and they couldn't help me or refund my money. One would think they would be empathetic to rescue dogs who may not have detailed history of care, but one would be wrong. I can't help but feel mislead and cheated by Embrace pet insurance and their not being forthcoming on stipulations required for my puppy to have coverage, and then refusing to reimburse me for the month's premium they charged when my puppy was not covered.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Saves me big bucks

I haven't even had my policy a year, and my little girl Beatrice has already been to the vet 3 times with stomach related issues. The last visit the bill was over $1,400! Having this insurance has saved me a lot of money and gives me the piece of mind that if she gets sick, she will be taken care of. I also love the fact that ASPCA insurance donates a portion to promote animal welfare. It makes me feel good to be a part of that.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

No-nonsense pet insurance

I activated a policy for my shelter dog shortly after I adopted him. I spoke with Scott at PetFirst about the plan options. He was so helpful! I activated a Basic plan and had a claim within the first month. I received my claim check back from PetFirst within a week! I'm very pleased so far.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Fox Terrier
  • AGE OF PET: 1 - 8

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9

out of 10

great personal contacts

Initially I was pretty frustrated with getting reimbursed, but part of the problem was that my secretary was supposed to handle the claims and told me that I wasn't covered for various things. Once I started dealing with it myself, I did receive reimbursements. My daughter was just married so I've been really busy with other things, but I intend to be more proactive and I'm sure the response will be good. My only frustration would be that the Vet doesn't fill out the paperwork at the time of service so that it can be faxed and then the insurance company's paperwork requirements get to be a bit tedious. Bottom line, though: Nothing is more important than caring for your loved ones... kids and pets included!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

ASPCA Pet Insurance has been a life-saver

I have had my boy Bocce for two years. I have had other pets before, but have never had pet insurance. When I purchased the insurance, I had hoped that I would never have to use it, just a way to have peace of mind. However, Bocce has had numerous medical issues related to a defficient immune system. The latest issue is inflammatory bowel disease. Bocce is a large bullmastiff, so his medical bills tend to be higher than a small dog. Each time I file a claim, I am hesitant because I don't think it will be covered. I have never been disappointed. I am mindful of what I turn in, and much of the expense I incurr on my own. I always think "they are going to turn me away." The people at ASPCA truly care about pets! This coverage has allowed me to keep my pet, and to keep him healthy. He is my family, and here at ASPCA, he is treated that way. I don't even want to think about how I would have been able to provide my boy the care he needs without you. THANK YOU ASPCA!
  • INSURER: ASPCA
  • POSTED: 01/08/2018
  • BY:
  • BREED: Bullmastiff
  • AGE OF PET: 1 - 8

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10

out of 10

We love Pets Best!

I have had pet insurance before, but decided to try Pets Best. They customer service was excellent, they walked me over all the steps on the phone and even emailed me my claim form with most of the info filled out. I adopted a Standard Poodle from a shelter, and I have had to use the insurance to cover a thyroid issue and an infection issue, both costly and the insurance helped me immensely. I would recommend Pets Best to a friend!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Standard Poodle
  • AGE OF PET: 1 - 8

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10

out of 10

Great Insurance.

Great Insurance. There are no hidden stipulations.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Golden Retriever
  • AGE OF PET: Under a year

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10

out of 10

Amazing Insurance, Amazing People

Embrace did everything they said they would. Straight-fowrward, friendly, and honest customer service/support. They lived up to and exceeded all of my expectations.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pit Bull
  • AGE OF PET: 1 - 8

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9

out of 10

Excellent and Caring Service

My cat Frosty was sick and turned out he had a mass inside his mesentary and my vet had to do a bunch of stuff to see what it is, if it is cancer. Turned out they had to go in nonetheless and operate. He also got kidney failure on top of that. He was in the hospital for 2 weeks and the bill came out to almost $9K. If not for Healthy Paws, I might have been in a serious financial problem.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Persian
  • AGE OF PET: 1 - 8

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