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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.

9

out of 10

Great coverage!

They covered a very expensive surgery for my dog (almost $3000) as well as his shots and dental cleanings. I've been with them for years and would recommend them to everyone!
  • INSURER: ASPCA
  • POSTED: 04/01/2018
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Customer Focused - Keeps it Simple!

Easy to understand published pricing with no surcharges for breed, age, or zip code. Claims are paid VERY quick.
  • INSURER: PetFirst
  • POSTED: 01/01/2021
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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8

out of 10

Worth It

You get what you pay for. Petshealth is a bit more expensive than others but they cover illnesses that the other won't.
  • INSURER: ASPCA
  • POSTED: 12/04/2021
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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1

out of 10

Awful

As soon as I made one big claim (my golden's cruciate ligament tore) I ran out of coverage in case the next one does. Then they raised my premiums to over $120 a month. I won't deal with them again.
  • INSURER: 24PetWatch
  • POSTED: 01/01/2021
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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2

out of 10

Too many problems

In January one of my cats became severely ill. We did everything we could, and for the first time ever we had money in the bank. In the end we had to euthanize her. It was terrifying to think that we could have wiped out all our funds to cure her, then what if she got sick again, or one of our other five cats? Two weeks later I picked Pets Best and started the pets first plan. In August, I added the wellness first for all of my cats. During this time, I have had one wellness claim and two illnesses.

What I like. They claim you can use any licensed vet worldwide.Since moving overseas is a real possibility for my family, this was important. The deductible is $75 then they pay 80%. No weird benefit schedule or categories of coverage. Customer service reps have always been friendly and curteous with no excessive wait times. With both wellness and illness policies, they will apply wellness benefits first then the illness benefit. The result is getting paid more than if they just used illness coverage.

What I don't like. Twice I was misinformed by customer service about policies and payment. Nearly overdrafted my account putting through a payment that I had been told was not due that month. Claims processing is ridiculously slow. On the web site they claim every effort is made to process claims within no more than 5-7 business days, the target being 48 hours. It takes many weeks! On the site it is implied that they will reimburse you for charges even if your bill is not paid in full. In fact you must pay 100% of the bill first then sit around waiting forever for them to process your claim. My cat was hospitalized for two weeks, required surgery,meds and several trips to the emergency vet. I maxed out all credit cards and savings and took him home owing my vet $1400. I am lucky they know me well since we have been using them for over 4 years. They worked out a payment plan. What happens when I move? No vet is going to provide thousands of dollars worth of care to unknown clients and Pets Best won't pay them directly. Other problems are no online account management or claims processing. No option to pay vet directly. Coverage is done quarterly not yearly and every quarter my premiums go up. I pay $262 per month for five cats ages 12,10 & 7. I am researching alternative companies and plan to try several before deciding who offers the best service. I can't see still being with this company a year from now. I feel like they are not ready.
  • INSURER: Pets Best
  • POSTED: 07/03/2021
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Worth every penny and then some

My min pin has had numerous health issues: pancreatitis, allergies, staph infections...etc... as long as the one page sheet is complete, they pay what the say and they pay promptly...I wish MY Heatlh ins was this good. And now I've added my Weimaraner!!! Not to mention the Customer Service is AWESOME!
  • INSURER: 24PetWatch
  • POSTED: 01/01/2021
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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10

out of 10

Very Helpful

My cat is 10 years old and when she was diagnosed with cancer I thought the worst. However, the Pet care staff assured me that her treatment was covered. Without this insurance I don't know what I would have done.
  • INSURER: 24PetWatch
  • POSTED: 12/04/2021
  • BY:
  • BREED:
  • AGE OF PET: Under a year

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9

out of 10

Quick re-imbursement with the wellness policy.

I just received an email that I will be getting a reimbursement for heartworm and tick prevention along with vet appointment cost. The response was fairly quick.
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

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10

out of 10

Wow! Very happy with the quick claim response

I wasn't sure what to expect but I'm more than satisfied with the entire process and especially the quick claim response. My much loved yorkipoo Max has the best in vet care and I'm glad we chose Embrace as part of our efforts to give him the best of everything.
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

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10

out of 10

am satisfied with my Embrace experience.

This was my first experience with Embrace and I was very satisfied. They were true to their word on everything. Thank you so much.
  • INSURER: Embrace
  • POSTED: 09/05/2017
  • BY:
  • BREED: Cavalier King Charles Spaniel
  • AGE OF PET: 1 - 8

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