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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.

5

out of 5

So far so good

Just went through the precertification process for my dog's upcoming bilateral patellar subluxation surgery and I must say that it has been a pleasant and simple process. The people I have been coresponding with have been friendly, kind, compassionate and prompt. If the entire process works out the same I will be truly impressed. As a physician accustomed to dealing with people insurance I can say they could learn alot from the way Embrace deals with their clients. So far would recommend them without reservation!!
  • INSURER: Embrace
  • POSTED: 10/20/2008
  • BY: Taro
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

They are the best!

Pets Best has paid two claims for my dog. One was an emergency and they paid over $3000. The other was minor but again no problem with the coverage. In comparing plans, they seem to be the most comprehensive.
  • INSURER: Pets Best
  • POSTED: 10/20/2008
  • BY: Carolyn
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

No complaints....happy so far

We have 4 pets insured through Pets Best (since March). We recently put in a claim for our cat. I was afraid that Pets Best would not pay a claim because there was no definitive diagnosis after I submitted the first claim. Lots of tests were done and our bill was over $600. The vet wasn't sure if she had a bladder infection or possibly a bladder tumor (ultrasound showed strange findings). We knew we would continue to have follow up appts with our vet. We submitted our claim and Pets Best covered it. They did say that in order for them to accept another claim, they needed a definitive diagnosis. I appreciate that they still paid the first claim. I can understand where they are coming from. Needless to say, we did get a diagnosis. It ended up being an infection and they did pay the second claim as well. The only thing I never understood is that the vet gave our cat an injection for the infection and Pets Best didn't cover it. It was only $20.00 and I'm not sure why it wasn't covered...everything else was.
  • INSURER: Pets Best
  • POSTED: 10/19/2008
  • BY: Sarah
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Buy it! Buy it! Buy it!

We have only had Embrace insurance for 5 months and we CANNOT be happier with our purchase. It has been the best investment my husband and I have made. THere are no "catches," no reasons they find for not approving when the policy seems to state it should, and the turn around time is quick on claims (especially after your first one). Also.. we picked this insurance because, after MUCH homework, we found they are one of the ONLY insurances to cover "genetic diseases" such as dysplasia. For other companies that do cover this diseases, almost all of them will only cover "one side" of the body. A dog is almost never dysplastic on just one hip, or one elbow. And sure enough... our only 14 month old high-spirited and extremely handsome yellow lab has elbow dysplasia. He is having surgery in just a few days, on both elbows at a cost of $3,000. Our total price? $300. THANK YOU EMBRACE!!!!
  • INSURER: Embrace
  • POSTED: 10/18/2008
  • BY: Amber,
  • BREED:
  • AGE OF PET: 0 - 3

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1

out of 5

ASPCA Pet Health Insurance

ASPCA Pet Health Insurance is a farce. They have developed a fee schedule based on "unknown vets" in the area and refuse to give out the names of vets charging fees they say are "average". They issue a "plan comparison", but do not honor the ASPCA Reimbursement fees.
  • INSURER: ASPCA
  • POSTED: 10/17/2008
  • BY: Dorothea
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Many Thanks

Excellent and caring reprsentatives. "SSK" a perfect example.It is comforting to have someone on your side when you face a pet illness or emergency. Thank you ASPCA Pet Insurance
  • INSURER: ASPCA
  • POSTED: 10/17/2008
  • BY: Roberta
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

Better Than Expected

I have had Pets Best Insurance for a while now. I have my two dogs insured through them. One of the dogs has had a number of health issues. The most recent issue resulted in almost 3K in vet bills. Pets Best has always been very good, but I wasn't sure what the outcome of this last claim would be. Well it was even better than expected. While they paid 80% of all the covered charges, I was also not charged a deductable, as they considered this illness a continueing illness from a previous claim. The good thing about them, is that once you pay the per illness deductible, all further claims on that same illiness or injury do not require you to pay another decuctible no matter how many times you have to have your animal treated. They are the best.
  • INSURER: Pets Best
  • POSTED: 10/16/2008
  • BY: Ben
  • BREED:
  • AGE OF PET: 0 - 3

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5

out of 5

What an Insurance Company Should Be

After a horrible experience with VPI, I signed up with Embrace after seeing all the positive reviews on this site. After 3 months my pet had to be hospitalized for seizures. I was a little nervous since I had just signed my dog up for coverage, but the Embrace team was wonderful and so caring. They kept in constant communication with me and processed my claim within the 15 days promised. Even after the check was received they emailed me to follow up on how my dog was doing. Great company and should be the blueprint for other insurance companies.
  • INSURER: Embrace
  • POSTED: 10/15/2008
  • BY: Wendy
  • BREED:
  • AGE OF PET: 0 - 3

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2

out of 5

Poor Experience

We've had Pets Best for over a year now and they are extremely difficult to work with. They're customer service is terrible (don't return phone calls, can't explain the process well, etc) and they claim everything is preexisting. We are currently looking for other another company to insure our cats.
  • INSURER: Pets Best
  • POSTED: 10/09/2008
  • BY: Anne
  • BREED:
  • AGE OF PET: 0 - 3

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4

out of 5

Slow Claims Process

I have had my dog insured by Embrace since May of 2008. I recently submitted my first claim and had to submit records from each of the veterinarians that he had been to. It was a bit of a hassle, but understandable and the communications via email were excellent during each step of this process. Once Embrace had all of the information they requested, they told me that I would hear from them about my claim "within 15 business days", but after a month without hearing a word, I emailed them to find out my claim status. They were apologetic and said that they were expanding their claims department at the time which caused the delay. Two days later, I got my answer, my claim was denied due to pre-existing condition. I purchased a policy with Embrace because of their high customer rating and I will be curious about how future claims are handled. Overall, Embrace customer care is very good and caring, just a bit slow at this time. I would recommend Embrace.
  • INSURER: Embrace
  • POSTED: 10/08/2008
  • BY: Greg
  • BREED:
  • AGE OF PET: 0 - 3

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