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Pet parents across the U.S. and Canada have left over 225,227 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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Why do you care?Just put him to sleep. He's OLD
I see others have already written the harrowing reviews of Nationwides' new 2024-2025 Face! Nationwide basically is saying,"just put that old dog to sleep." I had great insurance for him for 10 years through Nationwide. But it was not clear once he turned 10 that the new policy doesn't cover office visits. Just accidents. By the way, bone caught in throat is not an accident. The new Nationwide policy offered allows me to pay premium, deductible and office visits.Oh, I do get flea/heart pills, but not even veteran visit. If you are taking him to the vet, it better be to put him to sleep, because that's covered. A vet's diagnosis/prognosis is not covered. So you better be a vet, or just put him to sleep because an educated owner is not welcomed at Nationwide. My dog was gagging at night. Vet prescribed Prilosec. It solved his issue almost immediately: after 3 days little occurrence, after 10 none. NONE! Vet did rule out cancer, esophoghus obstruction, and blood work. But according to Nationawide, I was not supposed to have taken him to the Vet. They would gladly have paid for me to put him to sleep, but not for the office visit. I understand the ex-ray & blood tests were not covered, but not even the office visit? So if he's limping, just put him to sleep! A vet could tell you if it's arthritis (not covered) or a broken bone (is covered.) But don't bother, just put him to sleep. He's old. That's the message. You can't go to the vet to find out what it is, and then decide. It's just "he's 10 and it's time for him to go." In the meantime, I left Nationwide, and went to Figo (Costco). Yes, I loaded up the coverage. But at least the vet visits are allowed and covered. The message at Figo appears not to be "just put the old guy down." It's more like, here are 3 plans. Choose the one that will give your dog a quality of life and will allow you to sleep in peace. Shame on you Nationwide!!! Shame on you! It's not about the money, it's about the decency, the products you are selling, the compassion that is non-existent.
Insurer: Nationwide
By: Kathleen Brandt
They have stood by us 100%
I was so uneasy about getting pet insurance because of hearing so many bad stories online but I have been 100% satisfied with ASPCA so far. They have covered everything we have submitted and have done so faster than I expected. It is such a relief because my dog needs surgery on his leg and if it wasn't for having this insurance he wouldn't be able to get if for a long time. there is noway I could afford it without the reimbursement amount. Thank you ASPCA!
Insurer: ASPCA
By: Dashawn Peterson
Approved in minutes, money received in days!
Extremely easy to file a claim, and the process was much quicker than I expected. Within 15 minutes, my claim was approved. Within 3 days, the money was in my account. This made a stressful situation much easier to process.
Insurer: Embrace
By: customer
Easy to file a claim
Easy to file a claim. Minimal effort required.
Insurer: Embrace
By: Rawson Coleman
Claim Process
Claim process was so ez, it made me second guess myself... Love it!!
Insurer: Embrace
By: Bobby Turner
Submitting a claim is easy
Submitting a claim is easy. Only took a few minutes.
Insurer: Embrace
By: Warren Ray
Fetch Pet insurance jacked my rates up over 50% for using my policy
I have had Fetch for a year and my renewal is coming up. I had claims for the first year that equaled less than 50% of the allowable amount that they will pay out when I received the renewal quote, my dog is only 2 years old. And they are jacking up my premium by around 58%. I'm OUT. I will say for the honeymoon first year they were great, claims processed in a timely manner. But, Buyer Beware, use it and they'll make you PAY.
Insurer: Fetch
By: One And Done
Sometimes I get frustrated with…
Sometimes I get frustrated with insurance companies. Embrace is very responsive and patient especially when I call them. They seem to always have time to explain the claim in process.
Insurer: Embrace
By: Doug Carter
Find another insurer
Again - I give them 1 star only because I cannot give negative. They will respond here saying how sorry they are for me for my loss and how they care. THEY DON'T! Embrace denied euthanize claim based on my 15 year dog had a growth/wart and also had a tumor. They really claimed that a skin wart is a pre-existing condition for an internal tumor. I kid you not. They will take your monthly premiums and NOT pay any claims. My dog went fast - within 3 weeks from getting sick to passing. 3 Claims - all denied for "Pre-existing" issues. They will stretch and patch whatever they want and deny any claim for any reason. No they don't care about you like they will respond they do. Stay away from Embrace.. Trust me.. they care about money and not your pet or you. WARNING - EMBRACE denies claims if your dog's nose is "wet". Yes you are reading this correctly. Had to put my dog down of 15 years and EMBRACE denies the claim because my dog had "a cold and wet nose". Now - all dogs have cold and wet noses and 2 months prior to his passing the vet noted it and that it was a good thing. YET - Embrace denies the claim with a stretch link that a wet nose is a pre-existing condition causing the demise of any dog. I KID YOU NOT! DO NOT USE EMBRACE - EVER!!!!!
Insurer: Embrace
By: Matthew Rossi Rossi