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Pet parents across the U.S. and Canada have left over 216,093 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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Slow pay on claims
ASPCA acts like the insurance carriers do for human medical claims. They engage in long periods of review and then request additional records. I have to cash fund claims for my pets and then wait weeks and weeks for reimbursements that claims examiners pick apart. Definitely not fast claim service as they represent their organization to be known for.
Insurer: ASPCA
By: Harold.
Healthy Paws is top-notch!
I signed up my 2 yr old Golden Retriever as a young puppy. After paying out of pocket for cancer treatments for our previous dog, I wanted to give pet insurance a try. I did a lot of research, and ended up selecting Healthy Paws. So glad I did! My 2 yr old just had bilateral arthroscopic surgery on his elbows due to elbow dysplasia and FCP. This type of diagnosis requires specialized orthopedic surgeons. From the time we received the diagnosis, I could focus solely on doing what needed to be done to ensure my dog received the best care, without worrying about the hit to the bank account. So far, the hospitalization and surgery totaled just under $3500. As soon as I received the invoice, I passed it on to Healthy Paws. Within 3 days, I had a response. They covered everything but the exam fee (as is clearly stated in the contract) and a check for $2700 was on its way. But that isn't the end of my story. A few days later, I received an email from a Healthy Paws team member inquiring how my dog was doing. This was not an automated email. The note was specific to my dog and my response prompted another reply. This top-notch response and customer care really distinguishes Healthy Paws in my eyes. I have confidence that as my dog recovers from surgery, any other needs that he may have (such as PT) will also be covered, without breaking the bank.
Insurer: Healthy Paws
By: Sandra
Best insurance for my babies
Embrace has fast turn around and great customer service. They gave paid all claims quickly. Without embrace the cost of of vet care would be hard. The best part is knowing there is an issue I can take the dog to vet without worry of the cost Going to keep Our coverage going
Insurer: Embrace
By: Diane
Excellent service
Very easy to use; fair prices. Our vet submits the request for reimbursement, so this is very easy. Had a different pet insurance with our last dog, and we really like Embrace much more.
Insurer: Embrace
By: Joel
Great service
This is definitelly better than expected, fast Service and quick response when assistance needed; i can't ask more from an insurance company.
Insurer: Embrace
By: Sandra
Peace of mind
I have always been a huge proponent of having pet insurance. Ive worked with other companies in the past, but, Healthy Paws always makes the process very simple. I never have to stress about what is or is not covered. I have a $100 annual deductible, 90% reimbursable for any claim, less the doctors exam fee, the rest is covered, period. Highly recommended!
Insurer: Healthy Paws
By: Dan
Healthy Paws is THE BEST
I cannot say enough great things about Healthy Paws- they have been rated #1 a few years in a row for a reason. I had pet health insurance with another company with my dog that has since passed (when I rescued her, she came with it) and it took SIX weeks to get my reimbursement check. With HP, my reimbursement check arrives about a week to 10 days after I have submitted my claim. This is unprecedented. In fact, their app is SO easy to use -just take a picture of your bill and send- that I received an email two hours later that my claim had been processed! Incredible! Healthy Paws is reasonably priced as well that you would be a fool not to get it. It takes two seconds to sign up online as well. My vet is now going to promote them as I have expressed how much I love HP every time I am there. You never think something awful is going to happen to your pet until it does and it comes with a $3,000.00 bill (or more). If you have Healthy Paws you don't have to worry as they will cover 90% of it!!!!
Insurer: Healthy Paws
By: Alex
Embrace is so responsive! Great Service!
Each time I submit a claim, the team gets it processed and the refund to me within days. Not only is the processing service excellent, they always send me an email to verify that I have receive my refund. These guys/gals are great! I have recommended Embrace to all my pet owning friends.
Insurer: Embrace
By: Mary
It seems Iike I won't get reimbursement wPetsBest
I've paid into this for a couple of years now and finally was told one of the claims I'd submitted would get some small reimbursement but it still never showed up after weeks.Being on a limited income as a senior widowed mom of a disabled son I am putting through college I don't have the spare funds to support PetsBest or other peoples pets by paying $50+/monthly for years and then not get reimbursement I was told I woudl. So far PetsBest has really not been worth it to me.
Insurer: Pets Best
By: Kathleen
Wonderful customer service and response time
I have nothing but positive things to say about Healthy Paws! I did a lot of research before deciding to go with them over other insurance companies and I am so glad I did! Healthy Paws customer service team is kind, easy to get ahold of and have handled my claims very quickly. They also checked in to see how my kitty was doing after his surgery! Filing claims on the Healthy Paws app is so easy and fast! I highly recommend!
Insurer: Healthy Paws
By: Kirstin