209,470+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 209,470 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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They helped me with my bill when I…
They helped me with my bill when I needed it the most. They are great for emergencies.
Insurer: Spot
By: Donna
Avoid Embrace - Professional Claim Denial Service
Paid premiums religiously. When my cat needed diagnostics, I got a masterclass in insurance bad faith instead of coverage. What happened: - Entire diagnostic workup denied under blanket "pre-existing thyroid" excuse - No breakdown of what was actually denied vs. covered - Unrelated imaging and consultations were lumped into the rejection - Second claim delayed for weeks as "pending medical history" despite records already on file - Forced my vet to re-send identical documentation they already had The punchline: When my vet asked for claim itemization, Embrace went silent. Their "appeals process"? Make the veterinarian write a letter that goes back to the same underwriter who denied it initially. Translation: You're not buying pet insurance. You're funding an elaborate claim denial operation with a fake appeals process designed to exhaust you into giving up. Save your money. This company sells protection, but delivers a professional runaround when you actually need them. UPDATE: 9/8/25 My response to Embrace’s public statement: Embrace says they’re “upfront” about coverage and that pre-existing conditions are “determined directly from the notes provided to us from your veterinarian.” That is not true in my case. My veterinarian emailed Embrace directly and pressed them for itemization of which charges were being denied, the dates of those charges, and the justification for tying them to hyperthyroidism. Embrace ignored her request and issued blanket denials anyway. If Embrace were truly using the vet’s notes as they claim, they would have answered my vet's questions instead of dodging them. This shows Embrace is not being transparent with policyholders or veterinarians, despite what they write in their template replies.
Insurer: Embrace
By: Pamela Ferrer
Was very good to have coverage for a…
Was very good to have coverage for a major event. They only thing that needs improvement is I had to resubmit my dogs records every time I made another claim for a different bill from the same occurrence. Should only have to submit that once. All in all was a good experience and a big burden off of us. Thanks.
Insurer: Spot
By: Patrick Shaffer
Excellent customer service
Justin was super helpful with all the options of Fetch Pet Insurance. He was very knowledgeable and very friendly. Justin made the experience very easy and was a pleasure to deal with. Very quick to answer the call and easy to set up.
Insurer: Fetch Canada
By: Samantha Raskauskas
Making a claim was simple!
Making a claim was simple!
Insurer: Spot
By: Virginia Gomez
Very easy to file claims and they…
Very easy to file claims and they usually process claims quickly
Insurer: Fetch
By: Donna
Pets Best is the best pet insurance
Pets Best is the best pet insurance. Affordable and quick turn arounds on reimbursements. I can rest easy knowing my dogs are covered in case of illness or accidents. Allows you to focus on your pet and get them the best care. Easy to summit claims and great customer service.
Insurer: Pets Best
By: Stacy Fortner-Castillo
fair and quick
Easy to submit claims and always fair treatment
Insurer: Pets Best
By: Tracy Grace
Claims easy to submit and processed…
Claims easy to submit and processed timely.
Insurer: Spot
By: CM
This compant won’t pay claims
This company won’t pay claims. I submitted four claims for one of my dogs. Embrace denied three of them, claiming that they were pre-existing conditions. Review the negative reviews of this company. This is a typical pattern. To add insult to injury the company raised my premiums 38% after the first year of coverage. They wanted $1500 for no coverage. I cancelled and looking for a company that will sell me actual insurance.
Insurer: Embrace
By: William Ingalsbe