Price Satisfaction
Discover whether pet owners feel they’re getting good value from their pet insurance plans. These reviews focus on pricing transparency, affordability, and overall satisfaction with plan costs.
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Rate almost doubled in one year
I've had a good experience with Embrace until this year at renewal. The rates have gone up a reasonable amount until this year when they almost doubled. It will be cheaper for me to set aside money for vet care rather than pay almost $400 for a high deductible low benefit policy
Insurer: Embrace
By: Nancy Tolin
DON'T USE NATIONWIDE
I got nationwide pet insurance for my dog a couple years ago. The first year or two I did not have to use it, as we only needed standard wellness check-ups. However this year my pet got sick and needed hospitalization. I currently pay $70/month for a max reimbursement of $7,500. Recently I got a letter in the mail saying that my current policy is going away and my new policy is $326/month with a max reimbursement of $5,000 for illness. So nearly $4k annually to get at most $5k reimbursed for illness. Furthermore since she is still being treated for the illness, if I moved to a new insurance provider this would be considered a pre-existing condition and likely wouldn't be covered. So basically even if it seems like a good deal now, it's possible if you need something in the future they will screw you over in the long run. I brought this up to my vet and she said she has heard lots of complaints from people with Nationwide pet insurance, and often hears "Nationwide is NOT on your side." To be fair, their app is easy to use and submit claims, and I did find the 24/7 vet line to be helpful. But I now wish I would have gone with a different provider to begin with.
Insurer: Nationwide
By: Laura
Don’t waste your valuable time and…
Don’t waste your valuable time and money! This company takes advantage of the loopholes woven into their policies to systematically deny valid claims, leaving countless individuals feeling frustrated, unsupported, and silenced. Such actions expose a disheartening trend that can only be characterized as a complete scam. It’s crucial to recognize these deceptive tactics and seek out alternatives that genuinely prioritize integrity and fairness. Stop paying premiums for insurance that fails to cover your pet when they’re in need of care. Choose a provider that truly understands the importance of protecting your furry family members and stands by its commitments. Your pets deserve better!
Insurer: Fetch Canada
By: Dr. Sara Mezzone-Budd
Amanda was amazing
Amanda was amazing. Great customer service. We have been with Fetch prior to this. Last year we tried a different pet insurance and was very unhappy with them. That is why we came back to Fetch, even though it’s more expensive, the customer service means a lot to me when dealing with my fur babies!
Insurer: Fetch
By: Deb V
the reimbursement rate is a joke
the reimbursement rate is a joke. We are paying nearly $300/month or two dogs. and we are getting nothing. we are looking elsewhere. also the new 9.5% increase is a slap in our face when you keep denying our claims.
Insurer: Spot
By: Kenneth
Go with the best!
I’ve been with several pet insurance companies & Spot is the best. They have not refused one claim, either applying them to my deductible or reimbursing me. They are very affordable.
Insurer: Spot
By: Rebecca Starita
This insurance has made it easy to…
This insurance has made it easy to submit the claims, I just uploaded my dogs vet bill and go from there. I do not like how much the month bill goes up per month when renewal comes around but for the claim process, it has been easy.
Insurer: Spot
By: Keri Lewis
If you are on the fence, I beg you invest in your pet, you won't regret it.
I have always heard about pet insurance but was undecided. When our Rottweiler turned 3 we decided it couldn't hurt. He's now 4 1/2 and had his first health scare. Once we quickly uploaded our receipts they paid out within 7 days and put up no fight covering the claim. What an i credible peace of mind it is.
Insurer: Spot
By: Todd
Saving Bella
5-Star Review for Embrace Pet Insurance I can’t recommend Embrace Pet Insurance highly enough—it’s been a true lifesaver for my beloved cat Bella, and I wish every pet owner knew about it. Bella has been insured with Embrace for over 11 years. For the first 10, she was the picture of health—never a single claim—and I nearly canceled the policy to save money. I’m so grateful I didn’t. Just months later, Bella was diagnosed with small cell lymphoma (SCL). We sought specialized treatment at Cornell University Veterinary Specialists for more than a year, and today, I’m overjoyed to say she’s in full remission. During that time, she was also diagnosed with hyperthyroidism and gingivitis, adding to the emotional and financial strain. My plan has a reasonable $100 deductible, 80% reimbursement, and up to $10,000 annual coverage—perfect for comprehensive care without breaking the bank. Embrace covered diagnostics, chemotherapy, medications, specialist visits, and follow-ups promptly and fairly. Without this insurance, the costs would have been overwhelming, and I honestly don’t know if I could have afforded to give Bella the fighting chance she deserved. It might have forced a heartbreaking decision no pet parent should face. What sets Embrace apart is their exceptional service: claims are processed quickly (often with direct deposit), medications are covered without hassle, and their staff is genuinely friendly, knowledgeable, and compassionate—answering every worried question with patience during our toughest days. Pet insurance isn’t something you think you’ll need until you do—and when that moment comes (even after years of perfect health), Embrace is there like a safety net you didn’t know you had. Bella is thriving today because of it. If you love your pet as family, do them (and yourself) a favor: get Embrace. It’s peace of mind that turns out to be priceless. Thank you, Embrace, for helping me save my girl’s life. ⭐⭐⭐⭐⭐
Insurer: Embrace
By: VICTORIA SINDONI