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Very user friendly and speedy results
Very user friendly and speedy results. The only thing I would change is to have a system in which the insurance and veterinary offices could talk to each other directly instead of having the pet owner do the legwork after the fact for a reimbursement, although I know that's not necessarily Embrace's fault but an industry standard (AKA industry minimum).
Insurer: Embrace
By: Jake Retz
Very responsive on claims.
Very responsive on claims.
Insurer: Pumpkin
By: Karen
Easy to talk to and easy to navigate APP
Easy to talk to and easy to navigate APP
Insurer: Embrace
By: Michael Moen
Fast and accurate!
Really fast customer service and quick payment on claim.
Insurer: Embrace
By: Roxanne
Great experience so far!
Great experience so far!
Insurer: Spot
By: eugenia salas
Glad we got our Pet covered by Spot Insurance
This insurance was one of the most important decisions I made for my beloved family member, my cat Nangua. One night he urinated blood after midnight and we looked around for any emergency vet hospital that can examine and treat him. That was only the beginning of our journey of fighting against Nangua’s urinary problem. We have been to the emergency more the three times. The medical bill amassed has reached 5K but we were never worried about the bill. Spot insurance reviewed the invoices and completed the reimbursement so fast. I already received the direct deposit in my bank account for the first three invoices. What surpassed my expectations is Spot can also cover the prescription food that the vet prescribed for Nangua’s urinary condition. One can costs more than $4!
Insurer: Spot
By: Alice Shi
STAY AWAY FROM ALL PET INSURANCE
First of all, DO NOT BUY PET INSURANCE. Pure waste of money. Open a savings account and put the premium in it to save up for the "bad times". Used 2 ins companies, first one quietly increased our premium due to "age" with very little communication, burying the notification in a routine annual renewal email. Second company, Figo, paid for little bills (applied to deductible, so almost nothing paid out) as our dog's health declined, then denied an x-ray related claim due to pre-existing condition, heart murmur. X-ray was NOT done to check on her heart, but to determine a NEW coughing issue. Because vet prescribed heart murmur meds, it was deemed pre-existing and denied. Appealed denial, they claim they did not get the email (it was sent, no error message received). Dog's health continued to decline, we sadly had her euthanized. Euthanasia claim denied due to pre-existing condition causing health decline, stating she had heart, tumor and cough issues in 2024. NONE of those were related to any of her 2025 issues. We'll appeal that as well, but I see how the process works now and have very little hope of any reversals. Please, save yourself the hassle and headache and open a savings account, and avoid the pet ins scam.
Insurer: Figo
By: Derek Schmidt
Fantastic
Fantastic! Immediate claim payment. Very pleased.
Insurer: Embrace
By: Steve M
Claims we're reviewed and validated and…
Claims we're reviewed and validated and paid in a matter of a few days. Payment received by direct deposit! I'm a fan!
Insurer: Spot
By: Bob Bailey