Customer Service
Find out how pet insurance companies treat their customers. These reviews highlight the quality of support, communication, responsiveness, and how well companies resolve issues for pet owners.
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My claim was reviewed super fast and…
My claim was reviewed super fast and the payment was in the bank as promised. Great service.
Insurer: Fetch
By: Lori
This pet insurance is amazing
This pet insurance is amazing. Customer service is so nice and helpful. My dog suffered from mengioensifalitis and had seizures from it. The hospital bill was outrageous but I submitted the claim and had reimbursement for my bill within 10 days, which was plenty of time to pay the credit card bill that I put it on. I just cannot recommend a better pet insurance.
Insurer: Embrace
By: Laurie Large
I love Embrace
I love Embrace! Easy to use, quick resolutions, special expedited call line for USAA members.
Insurer: Embrace
By: Kimberley Seigel
Great!
I’ve had nothing but good experiences with Embrace. When I called to change my insurance premium, the person helping me was very kind and helpful! Also, after I submitted my claim about my cats emergency visit which ended in euthanasia, I received a kind email sending condolences and also helped me close her account so I did not have to handle that. I really appreciated everyone’s help. Thank you embrace!
Insurer: Embrace
By: Mylinn Ngo
I provide everything required
I provide everything required, then a new information is requested. I already submitted his paperwork prior to filing any claims.
Insurer: Fetch
By: Ella
This is the first claim I have…
This is the first claim I have submitted to Embrace, the customer service has been excellent. My claim was paid within three days after my submission. I am very pleased with the service from Embrace.
Insurer: Embrace
By: Marilyne Nickerson
Spot pet insurance for my cats
I actually refund about 40% of preventive care for both my cats which cost over 600$. So far loving Spot Pet Insurance! Submitting claims were easy, processing a bit slow but not too bad! Mike T
Insurer: Spot
By: Michael Truong
My question was never answered as to…
My question was never answered as to how do I report visits to Pumpkin for reimbursement. Maybe if someone would contact me with an answer I could give a better rating. If not, I’ll be cancelling with Pumpkin and looking elsewhere for pet insurance. The amount I’m paying in insurance monthly would be better used as savings for when my boys need to visit the vet.
Insurer: Pumpkin
By: Wendy
Paid Only After Pressure – Serious Concerns About Practices
I’ve been an Embrace customer for a couple of years, and my recent experience was eye-opening. When my dog needed urgent spinal surgery, the company initially denied basic diagnostic claims. They pointed to a temporary limp from hard play 18 months ago as a chronic spinal condition. The worst part is they added that condition after providing me a complete medical history that had no orthopedic pre existing conditions. They denied the claims then added the pre existing condition. Only after I escalated to executives, filed complaints with the Georgia Department of Insurance and the NAIC, and involved USAA (who recommended them) did they reverse course and eventually approve over $9,000 in claims. Along the way I documented: • Post-claim underwriting – adding new “pre-existing” items after issuing a clean medical history. • Burden-shifting – language in their policy that tries to make customers prove a negative before coverage is restored. • Misrepresentation of a medical record – statements about when they received my vet’s files don’t match the written evidence. • Overbroad exclusions – attempting to block all future skin conditions based on two benign bumps. Yes, they ultimately paid, but only after weeks of pressure. I’ve submitted formal complaints to regulators so they can evaluate whether these practices meet Georgia’s insurance-standards. Pet owners deserve straight dealing, not shifting explanations after you’ve already paid for care. I will be looking for a new provider for my younger dog.
Insurer: Embrace
By: Ed Dombrowski