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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.
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Easy and Fast!
Easiest time Iâve ever had signing up for insurance.
- INSURER: Trupanion Canada
- POSTED: 03/24/2023
- BY: Michelle
- BREED: Miniature Schnauzer
- AGE OF PET: 0 - 3
5
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Highly recommend them
Claims service is wonderful. Claims are paid promptly and fairly. I wish my health insurance was as good as my dogs!
- INSURER: Healthy Paws
- POSTED: 03/23/2023
- BY: Robert
- BREED: American Bulldog
- AGE OF PET: 7 - 10
5
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Very pleased
I filed 2 claims with Embrace so far, one for Daisy’s bladder stone surgery and one for Duke’s ACL tear repair. Both claims were approved within 3-4 weeks. I called the company once with a question and a live person answered and resolved my issue. I’m very pleased and thankful i have my dogs insured. Duke’s surgery alone was over $7000!
- INSURER: Embrace
- POSTED: 03/23/2023
- BY: Cindy
- BREED: Mixed Breed Large (Over 75lb)
- AGE OF PET: 0 - 3
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Emergency Vet Exams not covered, and Co-Insurance is! READ the FINE PRINT!!!
Two weeks ago, my dog was attacked by a large unleashed dog while being walked. She was bit, and had several serious lacerations on her neck, requiring the insertion of a drain, several stitches, medications and a 2-day hospital stay. The cost of it all came to $787.64. My plan provides for a $500 deductible, with an 80% reimbursement percentage, so I assumed my reimbursement would be $230.11 (80% of the $287. 64 allowed after subtracting my deductible.). To my utter shock, I received a completed claim notice advising me that I would receive a total of $17.32 on my $787.64 claim!
I immediately called and was told that the $141 “emergency exam” charge was not covered. The policy exclusion does in fact list “veterinary exams,” although it does not state “emergency veterinary exams,” which this one was listed as by my vet. I interpreted the exam exclusion to mean routine examinations, as I’m guessing most people would. After all, how can a veterinarian be expected to treat a badly injured dog brought in as an emergency without first ascertaining the type and degree of its injuries? Would it have been preferable for her to take xrays, or do a CAT scan, or even surgery without examining my dog to insure there was nothing more serious going on? Of course not…yet these more invasive diagnostic procedures would have been covered.
Then to add insult to injury, I was advised that of the $646.64 allowable charges ($787.64 minus the $141 emergency exam), I had a co-insurance obligation and was required to pay 20%, or $129.32 before subtracting the $500 deductible. In other words, $129.32 would be subtracted from the $646.64, giving me $517.32. After subtracting my $500 deductible from this amount, the reimbursement for my $787.64 fee would be $17.32.
I am not challenging this later charge, as I clearly did not pay attention to this little bit of very expensive and confusing fine-print in the policy! But I find it interesting that none of the so-called pet insurance review sites ever mention it under the list of policy “cons.” And, by the way, this is not a standard requirement of all pet insurance companies (see Embrace, for instance), so I encourage pet owners to read the fine print more carefully than I did before deciding on a plan. And to take Healthy Pets off the list of “one of the best.”
- INSURER: Healthy Paws
- POSTED: 03/23/2023
- BY: Laura
- BREED: Border Terrier
- AGE OF PET: 4 - 6
1 comments
POSTED: | BY: The Healthy Paws Team
Laura, We’re so sorry that you baby was attacked and injured by another dog. We do our best to be transparent regarding the limited exclusions of your Healthy Paws plan. Those exclusions are pre-existing conditions, preventative/routine care, and the office visit fee (vet exam, emergency exam, recheck or consultation).By making these limited exclusions part of the pet parent's financial responsibility, it allows us to offer a complete accident and illness plan at an affordable monthly premium. We also make every effort to inform our clients on how our reimbursement calculations work. We include this information (including examples) on our website within our "Frequent Asked Questions" page. Our process for calculating reimbursements is approved by each state's Department of Insurance and are based upon the deductible/reimbursement level a client chooses at enrollment. As with any policy with a deductible, that deductible must be met before any claim reimbursement.