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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

This is a SCAM!

In my contract they say in clause that they would cover the expenses of spaying my dog.When I sent the claim for the coverage, with the receipt from the vet describing all the charges, they denied almost all of them, because other clauses said they would not be covered! So, I thought, that next time, I would work in my receipt with my vet to do not show the things that they exclude! But doing it, I'd be as bad as they are! Therefore, I just can see them as a scam as they must be getting advantage of the name ASPCA. I can't believe that the institution that I see all the time in the TV shows thinks or agrees with these policies.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Nothing but praise for ASPCA Pet Insurance

My Chesapeake Retriever, Frodo, is 6 years old and has never really had any health problems previously. In December, literally right before Christmas, he managed to bite off a fragment of something he found in the back yard and swallow it. He stopped eating, and long story short, had to have surgery to remove the piece which has become lodged in his intestines. While I was at the animal emergency clinic, I saw a pamphlet for ASPCA Pet Insurance. I had never considered getting any pet insurance because I had heard negative things about it in general....that everything was excluded, etc. But, after that $3000 experience, I decided to give ASPCA a shot, and signed up immediately thereafter. And thank heavens I did. Not 3 weeks later, Frodo managed to ingest a ziplock bag of Motrin, which as you know, is very toxic to a dog. I took him to the same emergency clinic, where he was hospitalized for three nights while they stabilized him. The whole time, I'm thinking to myself "ASPCA is never going to pay this claim.....I just signed up!" But, I submitted the claim the day Frodo came home from the hospital, and about 3 weeks later received my check, and in the amount I was expecting. It ended up saving me about $1200 that I would have been out of pocket on after only a single premium payment! So, I have nothing but good things to say about these people...they do what they say they're going to do and you can depend on them when all you really want to have to worry about is your pet and his health. I would recommend ASPCA Pet Insurance heartily to ANYONE with a pet and who wants peace of mind.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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3

out of 10

Nothing covered

Well, so far very few of the services I've needed for my dog have been covered. I hesitate to submit my claims because I know I'm going to get the form letter saying how sorry the company is to give me the news that nothing I submitted will be covered. The services either took place before meeting my deductible or were considered "pre-existing conditions" which is extremely frustrating. Not sure it's worth the money, may consider just creating a savings account to cover future expenses.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Very easy to work with.

Had a positive experience.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Paid 1st claim as promised

This was my first claim with Trupanion. I just signed up a little over a month ago and my puppy already got sick. I called Trupanion and they encouraged me to take my puppy in. I did and Trupanion quickly turned my claim around.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

I am unhappy with this pet insurance

I have been very unhappy with the decisions that Embrace has made on what they would cover. My dog had an ear infection after we joined and then another 6 mos later and they said that this was a chronic/preexisting condition and wouldn't pay. I spoke to an account rep and told them that if my child had 2 ear infections a year the insurance company would not consider this a pre-existing condition. Also I submitted a claim dated December and waited to hear from the company. No paperwork came back. I called the company and they said that the claim was not being paid out because it would go toward the deductible. I explained that the insurance goes from April to April and they agreed and I did recv a check but if I had not called up and asked the question they would not have sent me any explaination of benefits. Embrace also called up my vet's office to see when I made an appointment (we had a 15 day waiting period), they recd some information from the office, denied my claim and when I asked the vet about it he said that he had never heard of such a thing, and that his office didn't keep such records. I called Embrace and they said that because they felt that the appt was made a day before the waiting period ended it was a pre-existing condition. I would say that you would need to be very careful in choosing Embrace as your carrier.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Good for older pets

I signed up my two older Golden Retrievers with Pets Health almost four years ago becuase I trusted the ASPCA to affiliate with a reliable insurer. While there have been a few problems with my claims, I could always find a supervisor willing to help and everything was resolved happily. I am thankful that I can afford to provide excellent medical care for my old Golden girls with the help of Pets Health.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Quick, Pleasant, and Accessible

We recently sent in a claim to Embrace and received our payment quickly. The staff communicated with us during the process and followed-up with us afterwards to ensure our satisfaction. I was able to predict almost exactly how much our payment would be simply based on what I understood our coverage to be. The detailed explanation was also very clear and easy to understand.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

satisfied customer

I have many pets and have had Petshealth for more than 10 years. I have had 3 dogs with cancer. The Petshealth insurance has been extremely helpful especially when I have had a serious illness to deal with. While every person with insurance wants more money back on their claims I have found this group to be fair. I have been satisfied with their service for more than a decade now.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Hartville is the Bernie Madoff of Pet Insurance!

Hartville Group is the Bernie Madoff of Pet Insurers! I have had this pet insurance since my 2 puppies were 4 months old. Never placed a claim with them for the first 10 years of my dogs lives. Unfortunately one of my little ones (maltese) got sick this past July, 2009 and just passed away Dec 2, 2009 @ the age of 11 1/2. Their insurance policy ran from August to July so it was renewed August, 2009 and now they refuse to pay the refund because of the "pre-existing condition in a prior insurance period." I made sure those dogs health insurance was paid while I was unemployed and for what?! Being treated like this! I don't think so. I'm considering legal action and would like to hear from anyone else interested in joining me. I'm also going to FACEBOOK, TWITTER and post anywhere and everywhere I can so this information goes viral on how corrupt this company is! I'm also going to inform the VCA and every other veterinary medical school and pca about this company. They were happy to take my $11K over the past 11 years for these dogs yet don't pay anything back in return? I think not! Please post if you wish to join me in letting every pet owner in the United States and world wide NOT to insure with HARTVILLE Group! (The Bernie Madoff of Pet Insurers!)
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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