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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

outstanding; well worth the premium

one of my cats, Tigger[other is Poo] needed treatment for overactive thyroid. My father found a specialist 165 miles away. Treated with radioactive iodine. My father lent me the money and the insurer paid almost 75% of the bill. I recommend them highly. Better than the co. that pay based on a fee schedule
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Fantastic! Customer Service Plus More

Can't believe I am about to wax poetic about an insurance company (aren't they the bad guys?) but here goes-- Reasons to use Embrace: 1. Transparency. Send them your dog's medical records and they will tell you what they won't cover. If you don't like the result they will refund your first month's premium, so you know ahead of time what won't be covered. There are no hidden schedules of "customary charges" that you are not allowed to see. Send them a vet bill and they send you the percentage you paid for with an explanation. And oh yes, you get a real person's name to email or talk to if you have a question. 2. Customer Service on every level. They email you when they have received the fax from your vet or from you with the claim. They email you when they have examined the claim and tell you what amount will be reimbursed with it broken down (in English not insurancese) and when they will send the check (within 15 days so far). 3. They actually send the checks when they say. 4. Above and beyond: Embrace recently emailed me to ask if I had received a check (I had not emailed them).I had not received it so they informed me that they had reissued the check and gave me the date when to expect it. Several days later a hand written note of apology and a $5 Starbucks gift card arrived as they had apparently been having a problem. The new check arrived promptly thereafter. Who does that? 3..Flexability: choose your pet's plan (and if the rates seem higher than some other plans check whether those plans pay on the actual vet bill or not. You get what you pay for).
  • INSURER: Embrace
  • POSTED: 04/09/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Outstanding in every way!

I have 3 pets signed up with Pets Best. 2 cats and 1 dog. 2009 has proven to be a very trying year with all 3. The dog had developed a violent cough. After seeing the regular vet he was off to a specialist. $1568 later we have a diagnosis of "allergic chronic bronchitis". Multiple claims were put through for this dog. Every single one was paid at the 80% after deductable. Checks were in my mailbox in less than 10 days. My out of pocket expense? $333. I've called several times with questions and have had great support from the customer service team. The cats have gone back and forth this year with Irritable Intestinal disease. One had to have a barium sweep. Both have cost me hundreds of dollars! Pets Best again paid the 80% after deductable in record speed. No questions asked! I have heard stories from friends and colleagues about other pet insurance companies. I am so glad I went with Pets Best. I have nothing but good to say about this company. Smartest decision I ever made.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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7

out of 10

ASPCA Pretty Decent

My 1 1/2 year old tcup yorkie was recently very sick and passed away. The vet bills from her 5 day hospital ordeal were over 1800.00. After submitting my bills I was pleased to be reimbursed for 900.00. The vet was unable determine the cause of illness and wrote a few things that could be considered genetic so I was concerned that they would not pay for her diagnosis. Much of her treatment included medicine which I do not believe I was covered for. I found their customer service very helpful and payment was quick and easy. I was also pleased that they cancelled my policy without charging me additional premiums since my pet passed away.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Lovin' ASPCA pet insurance!

I have a 1.5 year old corgi mix, Olive, who in the past year has had three incidents that had me taking her to an emergency vet on a Sunday afternoon. These incidents ranged from abcesses, eye infection, diarrhea and things of that nature. I felt a bit guilty for having to file three claims in such a short time, but was so greatful to have this insurance. ASPCA's people who I talked to several times on the phone in each of these incidents were always terrific. I love that they always seemed genuinely concerned for how Olive was doing. Actually, there is never a need to HAVE to talk to anyone on the phone. Their process for filing is very easy. The turnaround for receiving reimbursements is fairly prompt. I was able to track the paperwork via the internet also. Again, just a very smooth process with some caring and capable people just a phone call away.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Cardigan Corgis
  • AGE OF PET: 1 - 8

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9

out of 10

great service

As a veterinarian I never thought I would need to insure my pets, but given the rising expense of veterinary care and specialty services I opted to insure all my pets about 2 years ago. Pet's Best has been easy to work with and quickly processes claims and reimbursement for the amounts I have expected - there have not been any difficulties dealing with the company. I was not happy to see the monthly cost increase now that the company is underwritten by Aetna, however, I still feel that the coverage provided for the cost of the insurance is well worth it and more comprehensive then many of the plans that are available.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dalmatian
  • AGE OF PET: 1 - 8

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10

out of 10

Fabulous Service!

After reviewing all the pet insurance options I could find I decided to purchase my new policy from Embrace. My choice was supported when my vet told me that she has her pets insured through Embrace as well. Embrace offered a variety of great plan choices as well as the opportunity to customize my own coverage plan. I submitted my claim for my puppy's first wellness check and received word from Sam at Embrace in less than a week. My claim was covered in full and a check issued to me immediately. I am delighted and impressed. Additionally Embrace offered me incredible customer service both by phone and via email. Everyone I have been in contact with has been courteous, friendly and helpful. I don't usually rave about insurance companies but I honestly couldn't hope for better pet insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Pets Best is the BEST

Our enlish bulldog Dozr who is 10 months has had his share of puppy accidents/illnesses in his short time. From a sprained paw to fractured toe and gastritis. Getting insurance with Pets Best was one of the best things we have ever done. The turn around time to process claims is fast and the customer service is excellent. Very friendly and helpful. With the high cost of Vet care we are at ease knowing Dozr is protected.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: English Bulldog
  • AGE OF PET: Under a year

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10

out of 10

Very pleased

After spending almost $7,000 on my Ragdoll cat, who had to be put to sleep, I decided I definitely would get pet insurance when I adopted again. I adopted Maya when she was almost a year old, and searched for the best insurance. I chose Embrace because they seem to have the best coverage, the least amount of exclusions/exceptions, and the wellness program. I took Maya for her first annual check up and shots since getting her, and was pleased to be able to submit my bill from the vet's office. I received a confirmation the same day and an email three days later stating my entire claim was approved and the check was being sent. I may not use all of my wellness benefits this year, but I will next year. I just adopted a kitten a few days ago, and will be signing him up today. I hope if I ever need to make a claim for illness or injury it is handled just as efficiently.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Tabby
  • AGE OF PET: 1 - 8

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10

out of 10

There when I needed them

My 6 year old Shih Tzu had been through many eye problems since she was a puppy including a corneal graft and a flap. The vet bills were enoumous and I was able to arrange for financing. After that I knew they would not cover her for a pre existing weakness but I felt after this experience I should have her insured for any other illness or accident because it would not easy for me to pay for any other emergencies. I took out the insurance and two years later I did have an emergency with her. An enlarged heart without any symptoms until it was too late. I submitted my bills to my insurance company and they reimbursed me for partial expenses and that eased the financial burden. I now have a new little Shih Tzu 4 months old and have her insuraned. I know if she should have an emergency, illness or accident my financial obligation will be partially covered. We also have a cat on the policy (he is 7 years old)and luckily we have not had to use it. I would recommend the insurance. It is there when you need it the most.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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