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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.

5

out of 10

Very disappointed in Embrace

I have never used a pet insurance. My Vet recomended Embrace and another insurance company. We decided on Embrace and I am very disappointed in my claim results. My claim was for $958.11 and they only will emburse me $327.36.The reason that people get insurance is to help with the cost of vet bills in an emergency. I felt that my total bill should have been covered. I might start looking for a new company.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dachshund
  • AGE OF PET: 1 - 8

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10

out of 10

Customer Service

Excellent customer service!I am new to insurance so I have not had to use them yet. My dog is a Silken Windhound which is not on the breed list.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Whippet
  • AGE OF PET: 1 - 8

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10

out of 10

The Best Pet Insurance of ALL that are available!

Ok - I'm going to make this real simple for everyone. I researched the heck of out every company that was available and came to one conclusion - PETS BEST is the BEST for the consumer. They are the ONLY ones who offer 80 percent of the Vet's bill without any hesitation. I live in Fairfield County, Connecticut - The Richest County in the United States. Here is an example I want you to follow: You are in FFLD County - An x-ray costs 250.00. Everywhere else in the US is SO much cheaper. ANY OTHER insurance CO. will say "Well, you were charged 250.00, however, we feel that it's only worth 100.00. So they will pay 80 percent, minus the deductable. WHAT A WASTE. PETS BEST however, will not question ANY charges the Vet makes and minus your 100 deductable, they will pay 80 percent. NO QUESTIONS ASKED. SO if you want the best service, prompt responses and quick refund check, go with these guys. Compassionate, Honest and Caring. I finally had to submit a claim recently because my dog was sick. They never blinked an eye on all hefty "Fairfield County, Connecticut" charges that were incurred. LOVE YOU GUYS!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Simply the best!

I cannot tell you how pleased we have been as a family. Our little "girl" has had two major surgeries in less than three months and she is only a 14 months old. Trupanion has been there for us each time to help and have been incredibly fast in their responses to questions or concerns. The last thing I want to state is they have the best policy for your pet on the planet, you cannot go wrong with them.Your pet and your family will thank you!
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Initial Claim Denied

I recently obtained insurance for my Blue Weimeraner with great hesitation. The very first claim that I supplied to the insurance company was DECLINED. My Vet was astounded by the refusal of that company to reimburse and is discussing with his partners about removing Trupanion brochures from his office. Be very leary of this company.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Excellent company

We have had a policy for our 9 month old Shetland Sheepdog since he was 4 months old. I can't speak more highly of this company- we have had a few small things pop up, and our claims are always processed very quickly (mostly via email), communication is rapid, and our claims have always been approved. This is one of the only pet insurance companies to cover genetic conditions (such as hip dysplasia) and I would recommend Embrace to friends and family- both for the range of illness/conditions covered and excellent customer service. Wonderful!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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6

out of 10

Bait & Switch

I wanted a policy that would only kick in for major expenses, with high co-pays and deductibles resulting in low premiums. I also wanted continuing care coverage, so that chronic ailments wouldn't become uncovered pre-existing conditions at policy renewal time, as is usually the case with pet health insurance. Embrace promotes their continued care rider and seemed to fit my needs, so I bought a policy for my two cats. Later, when I carefully read the fine print (like I should've done up front) it became clear that their cintinuing care coverage was substantially less after the policy year when the condition developed. Worse, at the end of the first policy year they wanted a 43% premium increase to renew! Yes, a forty-three percent premium increase after the first year! It was like bait and switch: they suck you in with what seems to be good long-term coverage at an excellent price, then once they're got you as a customer, they jack up the rates so high that they're not even competitive. Needless to say, I didn't renew! I rated them as a "6" because they didn't actually steal my money and they didn't refuse to pay any claims (I didn't submit any) but I really felt ripped off regardless.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Claim Filing

It's VERY helpful to receive confirmation when one files a claim (not a form letter but a written response with someone's actual name on it!) letting them know what they can expect in the way of reimbursement and why. Even though I haven't been with Embrace that long, I'm impressed with how thorough they are in explaining coverage and any questions I've had and the promptness of reimbursement. Paying a little more in the way of premiums each month is worth it to get exactly the coverage I want. I like that I can customize my plan and not pay for something I don't want/need. I also enjoy their newsletter and plan on keeping my cats healthy!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

a very good pet insurance-I'd recommend it

This was the first claim I have sent in to Embrace for my cat. I faxed everything that was supposed to be included, thus the claim was processed very fast. I had spent several hours on line to find the kind of cat pet insurance which would be most beneficial and cost effective. I think I picked very well. Thanks Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Outstanding Communication and Service

We enrolled Mikko our Siberian Husky in September 2009. He subsequently had a couple of occurences that required treatment. We were very impressed with the manner in which Embrace handled the claims that were submitted. The communication was excellent and everything was processed in a timely manner. The representatives were very congenial and professional and answered all our questions. We highly recommend Embrace to our friends, relatives and acquaintances.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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