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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.

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7

out of 10

Ok

My German Shepherd is with Petsecure for over 2 years. He has been on the all inclusive plan since 8 weeks old. Unfortunately, he always had minor health problems (ear infection, digestive issues). I didn't think we made too many claims as some of them are for preventative care which is covered in our policy. Nevertheless, the premium increased twice in 2 years and coverage decreased just after one year. Soon after, he came down with pneumonia and mysterious disease that cost more than $6000, for a period of 5 months. We just submitted the claim for the whole thing. Hopefully, there's no problem with it. Well, if my dog had been healthy, this plan would have been great as they do pay promptly. But now I see huge premium with less coverage for the remaining years of his life.
  • INSURER: Petsecure
  • POSTED: 04/04/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

Go elsewhere!

Go elsewhwere!I took my dog in to the vet in November, they paid the $43 claim in February. They claimed to not have all of the paperwork, the vet and I both re-faxed everything at least three times. Initially they denied my claim and said that they did not have all the paperwork, then they didn't call me back for 3 weeks. I was finally able to establish that they had all of the paperwork and then was told that my claim was denied due to plaque on his teeth, he had a growth on his cheeck that was viral and fell off, it was not plaque, nor was it near his teeth. They could not explain where they got this information from. I finally got a Supervisor involved and they admitted that they made a mistake and sent the cheque within 2 weeks but then 2 weeks later I received a list of exclusions. If you want to fight for what you are entitled to, be ignored and wait for months then consider them,I plan to go elsewhwere.
  • INSURER: 24PetWatch
  • POSTED: 09/05/2017
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Ingested Foreign Object

This is my second claim with Embrace They give a quick and friendly response and you receive a quick and fair payment on your claim. From my personal experience I highly recommend Embrace to all pet owners seeking a great pet insurance company
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED: Wire Fox Terrier
  • AGE OF PET: 1 - 8

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10

out of 10

great customer service

Prompt and courteous attention. Great service so far.
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: Under a year

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10

out of 10

life saver

WE had two dogs when we signed up for Pet's Best about 3 years ago. We were urged to do so by our daughter. Our Golden had been a rock solid healthy dog. During the first year she fell over suddenly with what turned out to be Immune Mediated Hemolytic Anemia...The treatments which were successful cost thousands of which 80% was covered by Pet's Best. They helped us save our dog's life on a premium of less than $400.00. Our lab did the stupid lab thing and while jumping up on the bed blew out one knee and then the other...again Pet's Best helped us save him paying 80% of not one but two TPLO surgeries. They also covered post op therapy...I now stop people on the street with puppies or young dogs and tell them to sign up immediately!
  • INSURER: Pets Best
  • POSTED: 09/05/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Incredibly fast claims service

I wish every company i dealt with was half as incredible as Trupanion. My eight year old black Lab tore his ACL three weeks ago. The claim has already been paid. No hassles, no delay. Then, 10 days ago, he tore the other ACL. The claim for that was approved today. I am amazed at their service.
  • INSURER: Trupanion US
  • POSTED: 09/05/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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10

out of 10

Very Impressive

I did a lot of research when looking for Pet Insurance coverage. I am very happy that I chose Embrace. They are very efficient, friendly to deal with, quick to respond and are very knowledgeable. I have recommended Embrace to 2 of my co-workers who joined Embrace and are as happy as I am. We talk at work about how quick and helpful they are. Thanks ! Keep up the good work!!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

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2

out of 10

Dishonest

This company constantly made mistakes on claims and underpays and then it takes a long while to get it corrected. Also there are limits per catagories..not by illness. For instance respritatory and heart are considered to be in one catagory. They frequently misread claims and I had alot of problems with them.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Miniature Pinscher
  • AGE OF PET: 1 - 8

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10

out of 10

Excellent Service

We got Healthy Paws for our 1 and a half year old Pugglebull in Novemeber. Since then she has injured her rear leg and had an upset stomach. The vet bills totalled around $700 together and Healthy Paws covered everything they said they would! The only thing they didn't cover was the Vet Exam and the coinsurance. Healthy Paws has been wonderful to us! It was the best decision we made choosing Healthy Paws for our sweet little girl Roxy!!! I sent my second claim in last night and the claim has already been processed and my check is in the mail. Thank you Healthy Paws!!!!
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Bulldog
  • AGE OF PET: 1 - 8

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2

out of 10

We cancelled this company

PetFirst was our first pet insurance experience. We read all exclusions which are many. During pre-op knee surgery (which we knew was not covered) our surgeon discovered a small tumor attached to the anal gland and removed it. It was later diagnosed as cancer. Our surgeon was careful to separate the cost of the tumor removal and was told in a phone call to PetFirst that the cancer was likely covered. We turned in the claim with 15 pages of surgeon's notes explaining and separating both surgeries. PetFirst then asked for 12 months of our regular vet's health records. When we finally received their determination, Pet First called the cancer pre-existing and denied the claim. Since there had never been cancer ever mentioned in any of our boy's vet reports in his 11 years, I called PetFirst. At first I was told the vet's exam for the torn ligament the week before surgery made the cancer a pre-existing condition. When I argued that no logic like that made sense since there had been no mention or awareness of cancer in any report let alone that one, I was told that anything related to the anal gland was not covered anyway. I have to say the coverage offered by this company is not worth the premium.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Over 8 years

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