Find and read reviews with confidence

Cat Cat

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.

1

out of 10

Shady, Ignorant and Dishonest

When I adopted my puppy, he had a bacterial skin infection known as Pyoderma, which Embrace did not cover as it was pre-existing. Fine. 9 months later, my dog began to lick his paws, which the vet determined was due to allergies. Since both pyoderma and allergies share a symptom- itchy skin- Embrace has denied my claim for allergies and is saying that it's a "pre-existing condition" even though my dog was never previously diagnosed with or treated for allergies. It's absolutely ridiculous, I couldn't be more displeased or dissatisfied- they took over 2 weeks to respond to my claim and didn't even do their homework regarding my dog's previous conditions. BE FOREWARNED- all that glitters is not gold, and Embrace DOES NOT deliver what they promise.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
10

out of 10

Excellent

Cody was biten by a rattlesnake, and had to spend two days in the hospital. I called and asked for a claim form and they asked what happened and seamed very caring which was very kind. My claim went very smoothly I couldn't beleive it. All of my claim was not taken care of the first time I called and they were sorry it was overlooked the first time and promptly taken care of. They also asked how Cody was doing. I really did sound like they really cared which is really nice to know. I have recommended them very highly to some of my friends, and I usually don't do something like that.
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Labrador Retriever
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
2

out of 10

rate increase

Not happy with my $120 rate increase. My 3yo GSD had no major health issues last year (we made 1 claim that ate up our deductible, so we never even tapped into the insurer's money). For the same exact plan today our premium went from $420 to $587/yr. Not acceptable. Embrace never notified me to warn me that my policy was coming up for renewal, either. Had I not asked, they were going to automatically renew & bill my CC at the new rate. WTF is that all about? I called them and spoke to a rep to ask about the rate increase. He had no real answer, and mentioned something about a "book of business" as a premium model....or something like that. When pressed, he mentioned something about basing my premium on other dogs claims. So...now my premium increase has nothing to actually do with MY dog? Dead silence on the other end of the line. I immediately canceled my policy. The customer service doesn't seem to really have a clue as to what they are doing, and I need a company that's got it's shit together when it comes to the health and well being of both my dog and my wallet.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
8

out of 10

So far so good

I had my first claim and everyone has been very nice - good communication through email and if there's a problem they will respond back within one day. I'm waiting for my first check and they said I should receive it in 10 days. So far so good!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
8

out of 10

A big help with vet bills

I'm so glad we decided on this pet insurance. It takes the worry out of whether or not to treat our two Yorkies, Mia and Chloe. Even though they are only two years old, things can happen and this insurance puts our minds at rest that we can afford treating them and supplying preventive care also.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Yorkshire Terrier
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
1

out of 10

Out of control premium increase.

Sometimes figures speak better than words.This is how my monthly premiums have been increasing during the past years. Nov 2005: $36.63 Aug 2006: $38.46 Aug 2007:$40.77 Oct 2008: $46.33 Oct 2009: $53.91 Oct 2010: $ 56.07 This is a hefty 53% increase over 5 years!!! Did I get more for my money over these 5 years? Not really... YES, because a $400 annual dental coverage and an additional $500 on renewable limits per accident were added. But NO, because in the same time, the third party property liability coverage up to $25000...just vanished without fanfare... Every year, Petsecure will justify the premium increase due to "veterinary care cost on the rise". OK, but I do not feel that my vet bills have increased 53% over the 5 past years: Examination/Consultation: Oct 2006: $60.90 June 2010: $72.50 (19% increase) Antibiotic. 20 tablets Clavamox 125 mg: Oct 2006: $41.48 Marc 2008: $45.50 Jul 2010: $46.57 (12% increase) I let those figures to your own appreciation.
  • INSURER: Petsecure
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
9

out of 10

Saved our dog and our finances

When our dog came down with pancreatits 13 days ago, we expected he would be hospitalized for two days. As his condition worsened and he was slow to respond to treatment, two days turned into nine days. Bills reached $6000.00. Trupanion processed our claims within 36 hours, and averted what would have been a short term financial disaster. Best of all, our pup is home and on the mend.
  • INSURER: Trupanion US
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pug
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
10

out of 10

Thanks, Pets Best!

I have filed 2 claims with Pets Best, and they were for the same dog! She is normally healthy, and has never had problems except for these 2 incidents. Both times they processed my claims quickly and efficiently, and when I spoke to them on the phone regarding a separate issue they were extremely helpful. They reimbursed me ~$88 on a $220 bill, and ~$1800 on a ~$2300 bill. Good deal, and it definitely gives me peace of mind where my babies are concerned. So, to summarize: Great customer service, easy to understand reimbursements, and very affordable. Thanks!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: 1 - 8

Did you find this review helpful?

Yes No
1

out of 10

HORRIBLE

I signed up with Embrace - immediately upon reading the reviews on this page. I went for the best plan possible - at almost $60 a month. Ironically, there is only a $200 max that they will cover under "wellness". According to Embrace - "wellness" covers checkups when your dog is sick from parasites, spaying and neutering, vomiting, and lethargy. I had WAY better coverage under AKC years ago. Now I am out over $1000 - between vet bills and payments to this sorry excuse for a Health Insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Mixed Breed
  • AGE OF PET: Under a year

Did you find this review helpful?

Yes No
10

out of 10

Can't say enough positive things about Embrace!

I have a new goldendoodle puppy and am a typical overprotective and nervous parent. It's been years since I've raised a puppy from this age and the last time I did, pet insurance didn't exist. The peace of mind that Embrace provided to me in our first few weeks together has been amazing. Their customer service representatives (Thank you Jessica and Adrienne!) were so helpful and attentive to every question and email I sent. I recently submitted a Wellness Claim as was fully reimbursed for all charges on Lucy's first visit to the vet. I had just purchased my policy and thought for sure they would tell me that I had to wait... NOPE! I just received my deposit notification -- FULLY reimbursed. It just doesn't get any better than that! I could not be happier with Embrace and I highly recommend it to anyone who has pets.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Goldendoodle
  • AGE OF PET: Under a year

Did you find this review helpful?

Yes No

Get a quote today

Leave a review