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Pet parents across the U.S. and Canada have left over 216,564 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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There when I needed it
I have a Dachshund, so I know they are prone to back problems and got insurance for the day when I might face that battle. Well, it was a much more mundane reason that I had to make a claim - my dog got into a neighbor's garbage and that caused him gastrointestinal problems for weeks. When I was out of denial that his problem would resolve itself I brought him to the vet where he got excellent care. I admit to being hesitant to filing a claim for fear of rising premiums, but having paid premiums for six years without ever filing a claim, I decided that I needed to go for it. The process was easy and the ability to file claims and upload documents electronically was convenient. My claim was settled within weeks and electronic deposit of my reimbursement makes that convenient too. I thought the reimbursement amount was fair after meeting the annual deductible. The explanation of benefits statement clearly explained what was and was not reimbursed and provided a note when items were denied. The best part was the follow-up phone call I got from ASPCA to check on Lucky and see how he was doing after his garbage "dinner". That was a nice touch.
Insurer: ASPCA
By: Ellen
Wonderful
Excellent communication and quick reimbursement. I would recommend this company to anyone who has a pet!
Insurer: Healthy Paws
By: Gloria
Best pet insurance I've found compared to Pet Plan
I have Pet Plan for one of my dogs and Embrace for my other 2 dogs. They have almost identical coverage. Embrace is half the cost of Pet Plan (I pay the same for my 2 dogs combined as I do for my 1 policy with Pet Plan). With Pet Plan I have a $200 deductible for each claim. That means for any minor vet issues I always have to pay out of pocket first. My Pet Plan dog has 2 serious/expensive health issues which Pet Plan covers a significant amount of each year after the deductible. This is why I have not switched her over to Embrace for the cheaper monthly premium (her conditions would be considered preexisting by Embrace). But, every time she needs to go to the vet for something else, I'm back at square one. I easily pay 4 to 5 $200 deductibles a year. My 2 Embrace dogs have a $500 deductible each for the year. Once I meet that, all claims are covered. I find this much more useful. Recently one of my Embrace dogs injured his back. Bills piled up quickly and Embrace has covered everything after I met the deductible. They even covered vet-recommended laser therapy (similar to physical therapy) which I had not expected and was much appreciated. Also, Embrace mails my check in about a week. Pet Plan, though they have been getting faster, takes at least 3 weeks. For my next dog I will go with Embrace. My only complaints (with all pet insurance I've found) are the lack of immediate coverage for hip problems.
Insurer: Embrace
By: Heather
Wonderful Company
When my dog was diagnosed with low platelets it was truly a sad and scary time. She has had to go to the vet often and it has been such a roller coaster for our family. But having Healthy Paws eased most of the financial burden and allowed me to keep taking care of her in the best way possible. Healthy Paws even emailed me to see how she was doing after she had surgery. They are truly a wonderful company and I cannot recommend them enough.
Insurer: Healthy Paws
By: Jayme
Great Insurance
I am very happy to have my dog covered by Embrace. They been fantastic with all the claims. My contacts were all treat with professionalism. I recommend this company for your pet needs.
Insurer: Embrace
By: Adele
Great Outcome
I have insurance because my last Golden died of cancer. I just submitted a claim because my dog Jackson had to have his spleen out. After paying for 5 years on 2 dogs this was my first claim. Everything was covered and because I had not submitted a previous claim my deductible was lowered.The process was fast and simple and I received my money very quickly. Customer service was efficient and the folks I spoke to were friendly. I would recommend Embrace to everyone with a pet. PS. Jackson's mass was not cancerous!
Insurer: Embrace
By: Colleen
Great Experience!
Very fast service. My claim was approved in less than 48 hours after I had finsihed sending in the necessary documentation.
Insurer: Healthy Paws
By: Justin
Healthy Paws is a Lifesaver!
I'm not one to post reviews, but I must post this because Healthy Paws is the best pet insurance I've ever experienced - and they stand behind everything they say on their website. To say they are a lifesaver is an understatement. When I researched pet insurance for my french bulldog, I chose Healthy Paws because of the unlimited lifetime benefits, no restrictions on potential breed issues, and great feedback regarding customer support. First, my Frenchie has serious on-going allergy issues - covered. Last month, he ruptured a disc in his back and needed major surgery - covered. (Of course, coverage depends on your deductible and plan. But I'm taking thousands and thousands of dollars my plan has covered that has so reduced the stress and financial worry.) Every time I've submitted a claim, it has been taken care of quickly; and they email me every time to see how my pup is doing! I can't recommend Healthy Paws enough!
Insurer: Healthy Paws
By: Linda
Couldn't Believe How Fast They Processed My Claim!
I could not believe that Pets Best was as ethical as they turned out to be! I had just taken out insurance on my 13 year old Havanese "Lucca". I don't have much faith, if any, on insurance companies honoring submitted claims (on cars, health, etc.) and wouldn't you know it, the very next day...honestly, the very next day after the policy went into effect, "Lucca" stopped eating. Since he is so small, I knew without food and water, it was critical, so I took him in immediately. All testing came back "negative" thank God, and after six long sleepless nights on my part, he started to eat and drink as if nothing had happened. Obviously, something had disagreed with him although I'm still not sure what it could have been. Anyway, my point is, PETSBEST could have argued the point about being one day after the policy went into effect, they could have denied it although my claim was perfectly legitimate and it was coincidental. No problem...they paid promptly and without question! I have to say I was pleasantly surprised but impressed! Can't go wrong on this company! Thank you for reading this review.
Insurer: Pets Best
By: Marlene