May 27, 2016
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Thanks to modern medicine, veterinarians can perform once unheard-of operations and procedures to suffering dogs and cats, significantly increasing both their life expectancy and their owner's happiness. However, these latest procedures can come with an expensive price tag.

Protect Your Pet with Embrace Pet Insurance Today! Tests, examinations, and procedures can cost hundreds to thousands of dollars. Even a routine examination with vaccinations and preventative tests can cost from $200 to $400 or more. If that hasn't busted your budget, you can only imagine the reality of chemotherapy and hip replacement for a pet in bad shape.

Pet Insurance allows a caring master to continue to enjoy their pet for years to come without facing the financial burden and difficult decision between helping their loved one, or putting it to sleep as a result of cost. A number of pet insurance companies exist today that can greatly relieve the burden of life saving procedures and care. However, these companies all vary in services covered, cost, customer service, and claim reimbursement.

Before selecting a pet insurance provider you should consider the following:

  • Coverage.  What procedures and services does the plan cover? Is their flexibility in selecting the plan that meets your needs? What services are excluded?
  • Customer Service.  Will someone answer the phone if you call in an emergency? When is the company open for assistance?
  • Insurance Premiums.  How much will your premium be for the pet insurance that best meets your needs? has reviewed and ranked the best Pet Insurance providers available today. We hope this information helps you select the right pet insurance for you and your pet!

Disclosure: We pay our reviewers for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.


Pet Insurance Reviews

5 stars
Embrace Pet Insurance

EMBRACE PET Best-In-Class Blue Ribbon Award

Embrace leads the show in pet insurance providers. This truly customizable pet insurance can meet everyone's needs. The website is easy to maneuver and full of great information. Claims are paid quickly and with no hassle - Embrace is an excellent choice. Read More... Visit

4.5 stars
Pets Best


Pets Best pet insurance provides an easy to use website with an instant quote option. We liked the comprehensive nature of Pets Best and the procedures included within the policies. We also liked how they outline exactly what is covered or not covered with their insurance. Affordable prices and customer friendly policies make Pets Best a very good choice. Read More... Visit

4.5 stars
Pet Premium


PetPremium is a pet insurance website that is both professional and informative. This company offers several different pet insurance policies to meet your specific financial needs. The downside to PetPremium is that it's new to the industry and does not yet have a long track record. Read More... Visit

4 stars
Healthy Paws


Healthy Paws Insurance provides a straightforward plan with some flexibility to fit your needs. We really liked their quote process and high level of customer satisfaction. Healthy Paws is a top contender for your dog and cat insurance. Read More... Visit

4 stars
Trupanion Pet Insurance


Trupanion provides solid pet insurance with no gimmicks. This straightforward pet insurance provider covers 90% of the veterinarian's bill and does not increase premiums as your pet ages. Trupanion also allows you to select the amount of deductible you'd like associated with your plan.
Read More... Visit

3 stars
Pet Assure


This is a program that is best for an older pet or one with a pre-existing condition that would not be covered under the other plans. It is less expensive but your overall savings would be less should your pet need a major operation that was covered by one of the other plans. Read More... Visit

2 stars
24 Pet Watch


24 Pet Watch provides a cumbersome online quote process. Missing details and descriptions,along with poor page layout made the online shopping experience unimpressive. The cost of the insurance was much higher than many other companies and didn't appear to be a good value in comparison to those companies ranked higher. Read More... Visit

How Pet Insurance Can Save You Money

If you asked every pet lover you encountered in a day how they feel about their pets, theyd likely tell you they view them as family members, not pets. As such, most pet owners want their furry family members to live long and healthy lives.

One of the best ways to make sure that happens is by investing in a pet insurance policy.

Like their human counterparts, animals can get sick or be involved in accidents which can cause severe injury. They also need routine preventative healthcare in order to stay healthy all of which can cost a pretty penny. Pet insurance plans are designed to help shoulder the burden of these costs, helping pet owners to have the choice in caring for their pet, versus euthanasia due to insufficient funding to pay for necessary medical procedures.

Currently, only one percent of the U.S. pet population just under 3 million animals is insured. However, industry trends indicate that pet health insurance policies are growing in popularity in the U.S., with an anticipated increase of up to 10 percent within the next five years.

The first official pet healthcare policy was sold in Britain in 1947. Britain trails only Sweden in the number of pet owners who provide insurance for their pets. Dogs are the most-insured pet, followed by cats and small exotic animals. While it is sold under the name healthcare insurance, pet health insurance is actually under the insurance umbrella for property. According to insurance laws, pets are seen as property, so the insurance policy which covers them is similar to that for any other property owned by an individual.

Most pet owners understand that cost for care, as well as the likelihood that the pet will suffer from certain diseases and conditions, significantly increases as the pet ages. However, not many pet owners have stopped to ask themselves what they would do if their pet suffered a serious or unexpected injury. Average cost for mending a broken leg, for instance, can run between $2,000 and $5,000 without insurance coverage. Dogs, which are known for eating and swallowing items which can be harmful, may need emergency surgery to remove the item and repair any internal damage that may have been caused. That kind of procedure can cost up to $3,000. Many pet owners cannot afford such high up-front costs and most veterinarians require payment in full at the time of the procedure. That leaves many pet owners struggling with what to do for their pet when they cant afford the procedure that could help them.

Other conditions, such as diabetes mellitus, are on the rise in the pet population. One out of every 400 dogs and cats will be diagnosed with diabetes at some point in their lives. With the advent of medical procedures and interventions not previously available to our pets, many are living longer, which increases their chances of developing age-related conditions and injuries. Take for instance, a pet which develops diabetes. That animal would require insulin injections, much as its human counterpart diagnosed with the same condition would need. Monthly costs between insulin and the syringes needed to administer it can cost a couple hundred dollars. Then there is the glucose monitoring system required to keep track of your pets insulin levels. Animal-specific monitors such as AlphaTrak can cost $200 by the time you purchase the monitor, the lancets and the testing strips.

Most pet policies cover these issues and many more, making them a good investment for pet owners. With a variety of plans from which to choose, pet owners can find one that is not only affordable to them, but which also covers their pets annual medical needs.




Pet insurance complaints rocket - as it emerges one in three claims are declined

Every responsible pet owner knows how vital it is to have pet insurance in place. Anything from an accident to an illness could leave you with a bill for thousands of pounds, and an agonising decision over how much you really value your pet's life.

Published:  Thu, 26 May 2016 23:11:00 GMT

Paw through the small print! How four in ten pet insurance claims are rejected costing owners total of £232m in vet bills

Cat and dog owners are hit with a £232million vet bill every year as insurance companies wriggle out of paying out claims. A new report claims caring pet owners could be "living in a false sense of security', as almost four in ten claims are rejected.

Published:  Thu, 26 May 2016 18:35:00 GMT

Call Kurtis: Why Am I Still Paying For My Dead Cat's Wellness Plan?

LINCOLN (CBS13) - A lot of people think wellness plans are pet insurance, but there is a difference. Depending on what you have, you may have to keep paying even after your pet dies. Diana Mallory's feline companion Holly lived a happy 21 years.

Published:  Thu, 26 May 2016 15:31:00 GMT

Protecting Your Furry Friends With Pet Insurance

PITTSBURGH (KDKA) - It's not enough that Dr. Mike Hutchinson, of Animal General Hospital in Cranberry Township, works with animals all day. His family has a bunch of them on their Butler County farm. As a result, Dr. Mike understands how attached his ...

Published:  Mon, 23 May 2016 16:46:00 GMT

Should you buy pet insurance?

That depends. This week, I'll talk about the pros and cons of pet insurance. Then you can decide if it's for you. But first, since many people have never heard of it, let's take an overview of pet insurance. Pet insurance is a big thing. Many ...

Published:  Wed, 18 May 2016 15:25:00 GMT

Pet Insurance: Good or Bad Idea?

Columbia, SC (WLTX)- A serious illness or injury can take a financial toll, even when the patient is a pet. Pet insurance is sold with the promise to cover some of your pet's medical bills. But as helpful and emotionally comforting as it might be, much ...

Published:  Mon, 16 May 2016 06:57:00 GMT

Stop the suffering: Pet owners, veterinarians explore options with holistic medicine

"But, you know what, I'll buy all the time I can because I want all the time I can get." Thinking about pet insurance? Here's help on where to start Whether it's western medicine or holistic medicine, for some people their options for pet care are ...

Published:  Wed, 25 May 2016 08:12:00 GMT

Economical expanding into pet insurance

WATERLOO -Economical Insurance is heading into the growing pet insurance market in a big way. The Waterloo-based property and casualty insurer is acquiring Desjardins Group's pet insurance business - Western Financial Insurance Company (WFIC) and its ...

Published:  Wed, 18 May 2016 15:04:00 GMT

Boise company adds bereavement leave for pets

Pets Best Insurance Services, a pet health insurance agency, is now offering pet bereavement leave to the more than 60 employees at its Boise headquarters. Employees will receive one day of paid bereavement leave each year "if they lose a member of their ...

Published:  Mon, 23 May 2016 16:19:00 GMT




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