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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

Covers what many other companies don't

What I have found most excellent about Embrace is not only do they cover what most other companies don't, you can customize your policy to be affordable. Anyone with a multiple dog household knows how expensive it can be to have multiple policies. By taking the largest deductible & co-pay, along with the highest yearly payout ($10,000), plus I took coverage for prescriptions and continuing care, I was able to get a policy for my Great Dane for under $250 a year! Anyone reading this with a big dog knows just how expensive medical care can be for the big dogs! Of course, your policy will vary depending on how you customize it. I did not want a policy that covered routine items. To me, that is just part of owning a dog and just drives up the cost of a policy. Just like a human, I needed coverage for those major illness or injuries that require major medical care. My Embrace policies give me piece of mind that I can afford to cover all my dogs for major medical emergencies. Plus, working with Lea at Embrace has just been awesome!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Excellent Service

We currently had a tragedy in our family where our puppy passed away at the age of 6 months with no apparent cause that has been found to this day. I immediately contacted Petsbest and informed them of what happened and submitted a claim worth a little over $1000.00 incurred in a matter of less than 3 hours worth of service. Within less than 14 days, I received almost 90% reimbursement of the services and was helped by the kindest representatives. They were helpful in helping me with all my questions and were able to inform me of the status of my claim on each call I made, included calling me to let me know if I needed to submit any additional documentations. I would highly recommend Petsbest to any of my friends of their excellent service.
  • INSURER: Pets Best
  • POSTED: 04/06/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

The best insurance plan I've found for my clients.

1. If you look at the ratings, the only one higher is PetPlan USA. Pet First has an excellent rating!2. Routine care coverage is built into PetFirst. There is no routine care coverage for PetPlan. 3. Low premiums and deductibles are standard with Pet First. Rates do NOT go up with claim submission. PetPlan's monthly premium is twice as much as PetFirst. Yes, pre-existing conditions are excluded from the insurance, but most insurance plans have this. If you pet already has a condition, use PetPlan and pay more. If your pet doesn't have a condition, you now can have an affordable comprehensive policy. Here's how I see it: The disadvantage to most pet insurance is that they don’t cover pre-existing conditions. Most people ask about insurance once their pet has been diagnosed with a life long problem. Most insurance will not cover that problem. Pet insurance also does not cover long-term conditions that “manifest in a previous policy year.” This is true for every pet insurance policy that I’ve evaluated. This seems sad, but it’s not that bad. Let’s take diabetes for example. Upon initial evaluation of a newly diagnosed diabetic you may spend $200. You pay the $200 to the veterinary office, and then get 90% of the $150 remaining after the $50 deductible. Your pet comes back for more bloodwork and evaluation in regards to the diabetes in 1 month. The same diagnosis of diabetes applies, but it’s still covered and paid up to the “per incident” limit. For the basic plan, this is $1500. You’ve already paid your deductible, so 90% of this next visit is reimbursed and so on and so forth as long as you own the policy on this pet until $1500 has been paid to you for the diagnosis of diabetes over the course of time. Once the limit has been met and more health care is needed, they no longer pay. For this reason, I recommend the middle plan, called the preferred plan with the $2500 per incident limit. $2500 of coverage for one diagnosis is more complete for most problems. Some orthopedic conditions that happen may exceed this with a specialist, but it is still much more complete coverage. The other thing to consider is secondary problems. If we take our first example, diabetes, we know that urinary tract infections are more common in diabetics. If a diagnosis of urinary tract infection occurs, it is separate with a PetFirst insurance plan (It's considered an excluded coverage with some other insurance companies). It is paid at 90% after the deductible is met even if it’s a result of the other condition, diabetes. Once the infection is deemed cleared upon re-evaluation of the urine sample, another infection may happen, but it too would be covered. It was cleared, and then happened again, so again applies to the $50 deductible and 90% coverage again the next time. You don’t have to worry about lifetime diagnosis per incident caps unlike other long-term conditions. Routine care: Routine care benefits are on services and products should be done each year for the pet’s health. For example, a cat’s annual vaccines may cost somewhere between $60 and $95 depending on their age eligibility for the three year rotation vaccination program in our office. There are no deductibles on routine care, so reimbursement would be what you paid up to $70. If you did all of the yearly needs for a pet (worm checks, bloodwork, teeth cleanings, etc…), you would be reimbursed $220 for the year for the pet. An average pet with the basic plan pays about $25 per month for the insurance. That’s $300 for the year. When you keep your pet healthy with the routine preventative care, you get $220 back (assuming your pet needed and you elected to do all of the routine care benefits covered); thus spending only $80 to cover your pet for any other visit. If your pet had all of the routine care and had another visit that cost over $139, you are getting reimbursed more than you paid for the insurance for a year. If your pet ever came in for anything else during the year, that visit is covered at 90%. Let’s say your pet got a urinary tract infection. You may spend $200 in exam, urinalysis, meds, etc… There is a $50 deductible, then 90% of the remaining ($150) is paid. In this example, that’s $135 that is reimbursed. Insurance does allow you to afford the best care for your pet.
  • INSURER: PetFirst
  • POSTED: 02/01/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Very prompt claim processing and customer service

I submitted a claim for our cat's recent treatment for hypothyroidism, and it was processed very quickly, although the amount paid to me was nominal, after the deductible was factored in ($200 at that time). However, I was advised that the deductible is now fully paid for any further treatments for this same condition, costs of which will then be covered at 80%. The Pets Best customer service representative was very prompt and helpful in responding to a question I had regarding the effective date of new policy provisions which will reduce future deductibles to $100, a very reasonable amount.
  • INSURER: Pets Best
  • POSTED: 04/06/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

My First Claim

Embrace covered my pets entropion surgery when other companies would not. The only negative experience I had--was it took 15days to process my claim and I was expecting a quicker turn around time. Embrace did communicate to me that since it was my FIRST CLAIM it would take up to 15 days to process. I guess all good things come to those who wait. I highly recommend Embrace!!
  • INSURER: Embrace
  • POSTED: 01/28/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

I AM SO HAPPY WITH THIS COMPANY.

I am so pleased with this company. as i sat in the emergency waiting room for my dog to be evaluated at 2:00 in the morning i knew that i would do for my dog whatever she needed. i saw another man holding on to his dog, he could not afford the medical assistance that the dog needed. i am so grateful that i didn't have to make that choice of financial obligation, or not to have the work that was needed for my "other family member". it was a blessing knowing that whatever was needed, i had the insurance to cover it. no games. no gimics. no hidden fee's. no 80% of a fee that no one charges anymore. just a flat fee of $75.00. thanks pets best, for taking care of our needs. and thanks for the friendly people that work for your company. they were so helpful and friendly. and the reimbursement was so fast that i got the money refunded before i even got the credit card bill of the expense. i hope everyone will spread the word so we can care for our animals the way they should be taken care of.
  • INSURER: Pets Best
  • POSTED: 04/06/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Horrible - try to wriggle out of legitimate claims

We got Petcare Insurance when we adopted out car, a healthy one year old, as Petcare was recommended by the company that had chipped our cat. We had a medical as required and sent the paperwork in. Our cat had vomited when we first got him but this was down to stress (quite normal when a rescue cat is adopted out and has a change in its environment) - our Vet confirmed this. So... no halth issues for our boy. Fast forward three months and we had a call from Petcare asking if we'd like to upgrade our coverage for anothe $5 per month. It sounded like a good deal given the extra benefits that we would get in coverage so we signed up and were told that our upgraded policy would be effective from 12.01am that evening. This was on a Thursday evening so the policy would come into play at 12.01am Thursday night/Friday morning. Three days later our cat went out in the yard first thing in the morning and came in and within half an hour was vomting liquid, foaming at the mouth and had keeled over and was not responsive to us. This was on a Sunday morning. We rang our Vet who referred us to the local emergency vet (30 miles) away as it was a Sunday. We rushed out cat there where he was put on an IV and treated immediately. They gave an open diagnosis but leaning toward plant toxin ingestion. We transferred our cat to our local vet the next day (Monday) after paying out around $1000 to the emergency vet. I called petcare to confirm that we did indeed have the upgraded coverage we had signed up for three days before. Surprise, surprise they said they had no records of this. I asked that they check their records and gave them the time and date of the call and the name of the person I spoke with who sold me the upgrade. We had a call the next day saying that we did indeed have the upgrade after all, but the policy only came into effect at 12.01 am on the Saturday night/Sunday morning, not on the Thursday night/Friday morning. However, as our cat had been taken ill the Sunday morning we were OK. Or so we thought.... Our cat spent the next five days at our local vet. He showed no improvement and our vet did more x-rays and found what he thought was a foreign object. He went in to invesitage and it turned out that our cat's spleen was massively swollen and his intestine inflamed. The spleen was removed and within 24 hours, our cat was almost back to his normal buoyant self. We happily took our cat home after paying a further $1400 to our vet. The diagnosis was poisoning through toxic plant ingestion. We filed the claims from both vet's to Petcare along with the invoices and other paperwork, with a covering letter explaining what had happened. Three months later and we are still fighting Petcare for our reimbursement. After initially saying that we did not have the upgraded coverage, they then went back and tried to claim that because our cat had vomited, this condition was pre-existing! So he'd vomited once due to stress in July, and had vomited again due to plant toxin ingestion, and this is 'pre-existing'!! Our vet wrote a letter to them confirming that the two instances were totally unrelated. I then spoke to someone who claimed to be a supervisor and he tried to tell us that there is a 30 day waiting period between signing up for a new policy and coverage starting. We checked our policy and terms and conditions and there is no such clause. Besides which, our cat needed emergency treatment - if we'd have waited 30 minutes more, mevermind 30 days more, we'd have lost him. It really was THAT serious! I took this up with the person handling our claim and of course, this has been swept under the carpet - this supervisor was simply lying to us to try and get us to stop pursuing our claim. As if we are that stupid. Now they are trying to say that our cat was ill before we took him in on the Sunday morning. Despite us sending them all of the notes from the emergency vet and the local vet that show he was admitted on the Sunday morning. The reason for this latest denial of claim? The admission nurse at our local vet wrote down "cat taken to ER Sat" and not Sunday by mistake. Despite all of the other doucmentation that proves that he was taken in on the Sunday and a statement from the Emergency vet confirming that this is the case they are denying us our claim based on one tiny clerical error. They have piad out part of our claim but we are still $1500 out of pocket. To say we are furious with Petycare is an understatement. I have asked them three times now to pull the tape of the initial sales we had on the Thursday evening so they can listen to the sales person telling me that our policy would be effective as of midnight that night. So far they have not to my knowledge pulled this recording and listened to it. Or they have and they know I am right so are not saying anything about it. After all, it seems some of their employees are not above lying to policy holders... The problem is you have people there with no medical experience who are not qualified to make judgements on medcial cases. The supervisor who lied to us about 30 days waiting period befor coverage started said he used to work in a call center at Vonage. How does that qualify him to make decisions on the our cat's medcial treatment??? The girl who is dealing with our claim is actually very supportive. But the underwriters are awful - they are basically denying us a totally legitimate claim becuase our cat happened to be extremely ill a few days after we agreed to upgrade our policy. Petcare are not honorable people to deal with, and we are not giving up on our claim. We have the support of our vets and we will fight our claim even if we have to go to small claims court over it. It's more a matter of principal than anything else at this stage. I'd rather not give my name as we are still fighting our claim with these jokers. I think the key to dealing with these folks is document EVERYTHING, keep your notes organized and DO NOT give up. Keep badgering them unitl you get fair treatment.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Much better plan

I had VPI and the same experience with no pay or little pay. I have three shelties. I switched to ASPCA. After speaking to their representative for a long time he explained how they figure the charges and it definitely is better done this way than the way the others do it. Getting a check for $10 for a $200 bill is something I didn't like after the cost of the insurance. My oldest also has lyme disease and after one antibiotic treatment which was not enough, VPI turned all the subsequent treatments down and didn't pay anything. Rip off.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

My Pet's Love PetFirst

I activated a two pet family plan almost a year ago and have had nothing but good experiences since day one. I signed up over the phone with their amazing customer service but frequently use their easy to use website to answer all my questions. My two border collies like to get into everything and I have already submitted over four claims all of which were accepted and completed promptly. I would highly recommend this company to any pet owners who truly care about their pets.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Does Not Cover Chronic Conditions

My Puppy was enrolled in ASPCA insurance and ended up having pretty severe allergies. For the first year ASPCA was pretty good about paying on my claims. HOWEVER after renewing my policy (I never missed a day of payments) they told me chronic conditions like allergies are not covered after the first year!!! So if your pet gets diabetes, or glaucoma, or arthritis, or anything which is considered on going SORRY you are out of luck next year they won't pay for it. And then you are stuck because NO other company will pay on pre-existing conditions. Even the ones who say that they will only pay between 100- 200 dollars over the lifetime of the pet. PLEASE STAY AWAY!
  • INSURER: ASPCA
  • POSTED: 07/25/2019
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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