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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

So easy

I changed from Banfield to Embrance.Wellness plane is excellent and easy to claim.Thank so much for the great service.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Very easy process

We just made and received our first claim under the Wellness Plan. The process couldn't have been easier and everytime I needed to talk to somebody on the phone, the customer service rep was very helpful. The reimbursement check came faster than they promised. Thanks again.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Difficult to deal with; minimal payout on claims

Hartville consistently found a way to NOT cover expenses we submitted... kind of defeats the purpose of signing up, eh? Almost all expenses were refused saying it was a "pre-existing condition" or the price was too much. For example: Yes, two of the expenses (6 months apart) were both skin conditions, but the first was allergy-related and the second time our dog stuck his nose in a fireant hill. Pretty sure they the ant hill wasn't "pre-existing". We were constantly locked out of our account and the "remember password" functionality doesn't work for us or their support staff. I always dreaded any interaction I had with them. I just canceled the account and I feel as if a weight has been lifted off my shoulders.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Great service, quick claim processing

Several years ago I spent $3,000 on vet bills for an older cat, and the aftermath of the expenses crippled me financially for a long time. I recently got a new cat, and decided to go with Trupanion insurance based on a friend's recommendation, hoping to avoid the same pitfalls that I encountered with pets in the past. About a month ago my cat Wiley, who is only two years old, had a urethral blockage and required $3,000 worth of treatment. Trupanion ended up covering almost $2,400 of the vet costs, without which I would not have been able to give him the treatment that he needed. They processed the claim within several days, and their customer service and professionalism were outstanding. Thanks to Trupanion Wiley is doing great, and I would whole-heartedly recommend their service for anyone that has new pets. The cost per month is very reasonable, so anyone should feel very comfortable hopping on board with Trupanion.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

A Great Experience..no hassles, no fuss!!

We bought pet insurance for our dog, Dakota last year. I chose Pets Best after much online research. We had to use the policy for the first time in Novemeber after we discovered a growth on her back leg. She had surgery to remove the growth and a biopsy came back non-cancerous...thank God! I submitted the bill, receipts and claim form and within several days, a check arrived in the mail. No hassle, no fuss, no trying to deny my claim, etc...It made the whole process a bit easier and less stressful for us. I have already recommended Pets Best to a friend that just adopted a dog. Thank you for delivering on your promise!!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Feel Completely Tricked

I signed up for a policy for my American Bulldog mix. After I sent in the paperwork for my health history review, I received notification that I needed to prove that my dog was a mix instead of a purebred - his file at the vet mistakenly identified him as a plain American Bulldog - or they were going to raise my premium. I talked to the vet and they said they would provide a written statement indicating that it was an error on their part, and that I really do have a mix. Embrace said this was not sufficient -- that I had to have something from the rescue. Which made no sense to me since they had to guess at what he said and the vet is way more qualified. I was also told that I could send in pictures to demonstrate that he was a mix. So I did. And I was then informed that I had a Boxer Mix so they were going to raise my rates anyway. Which is absolutely ridiculous b/c I did was I was asked to - I proved he was an American Bulldog mix and the underwriters at Embrace switched it up on me so they could raise my rates anyway. I asked for clarification on why they were raising the rates anyway, when I had done what they asked, and had a vet that was willing to atest to that. Instead of getting a response, I got an email informing me that my premium had been raised and my card had already been charged. I feel completely hoodwinked and feel that Embrace has some unethical business practices. I have cancelled my policy b/c I do not want to do business with people I can't trust to be honest. I've read through these other reviews and realize that I am completely in the minority, but wanted to share my experience anyways.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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5

out of 10

Could be better

The very maladies that seem most prevalent in social pets are the very things that this insurance doesn't cover - parasites and their treatment. And unfortunately, the wording of the policy doesn't make that very clear. Just like children, our pets don't ask their animal friends if they have a health issue before playing together. There are toooooo many exclusions of treatment, and most are not clearly defined as such. Additionally, the policy says that ALL FDA approved drugs are covered.Then they backpedal and tell you that even though it's an FDA approved drug, if it is for parasites, it ISN'T covered. If you have a policy in effect for one pet and add another, there is NOT a significant reduction for multiple pets and THERE IS A WAITING PERIOD FOR THE NEW PET'S COVERAGE, even though an online check indicated insurance was active for new pet. NONE of the new pet shots, checkups, parasite checks and treatment were covered. And as a result of the new pet having common parasites, our "old" pet (18 months old) had to be treated for parasites and NONE OF THIS WAS COVERED. This needs attention. Parasites are contracted from feces and contact with other animals who are affected. We pay as much per month for two pets as we pay in health insurance premiums for one of us and we have far fewer exclusions. If we get a common cold or flu, we have coverage. If our pets get a common parasite infection, they DO NOT have coverage. This insurance is not a great purchase, but better than nothing. For the money, the whole exclusion concept needs to be reworked...
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Peace of mind

Hi, I have two cats and one dog who I all adopted from shelters. My dog had a very tough time when he was a puppy and I ended paying thousand of dollars for his medical expense. Then I heard of animal health insurances and checked a few. I knew the name ASPCA through Animal Channel on TV and understood what they do with animals. So, after studying a few insurances, I decided to go with the ASPCA Pet Health Insurance. One of my cats, Gonta, recently had a surgery. I had paid thousands of dollars for my dog in the past without insurance, and it made such a huge difference this time. The response was quick and it gave me such a peace of mind. Thank you!
  • INSURER: ASPCA
  • POSTED: 03/28/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Very Helpful

I'm very happy with our Trupanion experience. They answer questions promptly and really care about our animals. I can tell they are animal lovers. I've only had to submit a small claim, but I still know they are there for me and Chewie.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Longhair
  • AGE OF PET: Under a year

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10

out of 10

Happy with my decision

I am pleased so far with my decision on Embrace. I think it is as important to have a good health insurance for your dog as you do for yourself. Hate to say it but I think our pets have better insruance than we do. I entered my first claim with embrace for my dogs wellness appt and two days later I have an email saying my reimbursement is on it's way. Thank you Embrace.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

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