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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 interest and response to our claim

Our 6 yr old male Irish Setter suffered a sudden nose bleed with no apparent cause During the end of July 2010 .The event took us from our primary care veterinarian to Veterinary Oncology and a MRI of our Setter's head and nose in search of a cause for this rather rare event . We could write volumes in regard to this incident . It would appear that our Setter is on the mend . We can not thank the staff at Embrace enough for the interest and support shown to us through this trying time . Our Claim has been handled in a concerned and professional manor.We have had Pet Insurance with other providers in the past but never have we received such service,support and honest concern for our Setter and us . Our heart felt gratitude.
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED: Irish Setter
  • AGE OF PET: 1 - 8

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9

out of 10

I have been very happy with this insurance

First things first - I knew upon signing my pets up that they were not going to get chronic care or long term illness coverage. I have all 6 of my pets on the Preferred plan, and they receive routine care coverage. I have only had to use the routine care coverage, as my pets have always been generally healthy, and have not had any illnesses since I got them signed up for the insurance. That been said, I have submitted each and every vet receipt and doggy class receipt I've gotten - and all have been reimbursed without question. The first claims I submitted I will admit were processed and reimbursed quicker than some of the more recent ones, but I've always received my reimbursement within a couple of weeks. They've always been very nice on the phone and helpful. There are only two things I would change. The first is their coverage of dental cleanings. Currently to have one of my cat's teeth cleaned it will cost me upwards of $400. They will reimburse me only $75 for this. My pets have never previously needed their teeth cleaned, but one dog and one cat are getting a little older, and are getting closer to needing it. Their coverage is much better for everything else - I can put each of my dogs through 1-2 obedience or agility courses for their reimbursable amount, get them all of their vaccinations, and have their exam - all under their reimbursable amounts. But the teeth cleaning will still leave me covering the majority of the bill. The other thing is their Hereditary/Chronic/Congenital Riders. They don't offer them in my state, and they are very expensive. It would effectively double my current pet insurance premiums to have my pets covered for this. My pets are all mixed breeds, and are less likely to come down with hereditary or congenital problems than many purebred pets. But I would still like for them to be covered if they were to come down with something like Diabetes, or cancer, or some of the kidney problems that can plague older pets for the rest of their lives.
  • INSURER: PetFirst
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Great Service

My cat, Tony, was acting differently and not interested in playing. Within 2 days he was crying and had lost his appetite. The vet we found he was constipated. He was so backed up they had to put him under anesthesia and physically remove the blockage. I knew it was going to be expensive but with my pet insurance 80% of the cost was covered. Now Tony is feeling great and we owe it to ASPCA Pet Health Insurance!
  • INSURER: ASPCA
  • POSTED: 09/17/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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7

out of 10

One disappoitment

I have been mostly pleased with Pet First. When my Boston Terrier was attacked by a fox while in her yard they paid nothing.She was treated by the vet and received 3 shots and 3Rx's because foxes carry rabies, mange plus a variety of other possibilities.Their explanation was "mange was not covered"
  • INSURER: PetFirst
  • POSTED: 09/05/2017
  • BY:
  • BREED: Boston Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

Great in handling claims

My 14 year old dog starting having food problems and after many tests at the vets., it was determinded that she had cancer. I had to have her put down. All my claims were paid within 10 days each time. I was so grateful that with all the saddnss I was going thru, claim checks were something I did not have to worry about. Thank you Pets Best!!!!
  • INSURER: Pets Best
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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3

out of 10

Reimbursements Based on Impossibly Low Rates

ASPCA Pet Health Insurance is the third pet insurance plan we've tried over the past 20 years. Their coverage is average, their "fine print" is average, and the speed of their claims handling is average. The biggest and most heinous issue with this company is their adherence to reimbursements based on a totally out-of-touch, unreasonable and almost fraudulent set of "average local charges" as published by some pro-insurance-company (and perhaps owned by them) rates researcher. Generally, ASPCA has reimbursed our claims at an average of 40 to 45% of what we've had to pay the veterinarians, regardless of the illness, medical procedures, or other costs. For a $350 procedure, they "allowed" $151. For a $260 procedure, they "allowed" $127. This is not including deductables. When we asked them to provide the name of a single veterinatian within 25 miles who charged what they were "allowing," they claimed to only go by this published book and could not provide names. When I asked for the name of the publisher of the book, they refused to provide it. Needless to say, the book, whatever it is and whoever publishes it, has no relationship to the real world and merely serves to accommodate their unreasonable payouts. Think twice about any pet insurance company. In hindsight, we've realized that it would have been more cost-effective to self-insure by setting up a savings account and paying the "premiums" to that account.
  • INSURER: ASPCA
  • POSTED: 05/09/2019
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

We highly recommend this pet policy

Our first claim with Embrace was promptly paid as promised. Our small dog broke his leg while he was playing. We had to take him for emergency services to a large veterinary hospital specializing in orthopedics.It was necessary for him to undergo surgery for his leg repair. This was a costly procedure and Embrace paid as promised with the deductible and plan that we chose. We highly recommend this pet policy.
  • INSURER: Embrace
  • POSTED: 10/19/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Customer Service is absolutely INCREDIBLE!!

There's no ifs, ands, or buts about it, your customer service is the best I have dealt with by far. Your attentiveness is unlike any other company. I am a new client, signed on in October 2007, and you have been absolutely wonderful dealing with me and my first claim. You have given me the sense that you really care about my Brownie, and I so much appreciate that. Thank you so much for being a company that really cares about your clients, the animals, our pets, just like they were a part of your own family.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Did not cover root canal

I was unaware they would not cover root canal and removal of two teeth for my coton, as they do no dental. It cost me $1600. Root canals are not cheap and many dogs tend to have dental problems. Stats on this are high by about 3 years. My dog broke a tooth chewing. There are only 4 vet dentists in Illinois and 80 in the US, so it is quite expensive.
  • 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 Received call from CEO herself !!!

I would have never expected to get a call from the CEO of a company but it happened today. I had a different understanding of a possible Cruciate Ligament injury then what the customer service rep informed me. I received a phone call from the CEO herself asking how she could assist, after a brief conversation we resolved the issue. I have never had the CEO of a company call me in regards to a complaint before and that shows that they truly go above and beyond to resolve issues. I'm expecting many years of enjoyable service with them...
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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