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Pet parents across the U.S. and Canada have left over 216,084 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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Be prepared for lonnnnggggg delayyyyysss
For starters, I've been with PB now for over 3 years, this is a systemic problem! I recently submitted a claim for my dogs ongoing internal inflammation treatment. While Pets Best's policy coverage is straightforward and the premiums are reasonable, the claim processing time is a major problem. It takes an average of 2-3 weeks (or up to 2 months in some cases) for reimbursement, even when all documentation clearly outlines that the claims stem from one condition. My friends with other providers like Healthy Paws get paid out in as little as 24=48 hours after approval, or Lemonade in 24-48 hours—that's the kind of efficiency Pets Best needs to adopt to stay competitive. Overall, 2 stars; great potential, but the slow turnaround is unacceptable for pet parents dealing with urgent health issues
Insurer: Pets Best
By: Eric W
Embrace is a scam
Embrace is a scam - they keep your "wellness" contributions if you dont' use it within the fiscal year. The wellness savings is marketing as a savings plan for your pet, but they don't give customers any warning about using the funds timely. They claimed they give customers verbal notice only of it. They not have over $200 of my money that is just for their own pockets. Cancelled my insurance with them
Insurer: Embrace
By: Bharati Narumanchi
They have great customer service
They have great customer service, the agent gave me all the answers I needed in regards to my policy and assisted me in obtaining the documents I needed.
Insurer: Sonnet
By: Peter Schleicher
Handling a Claim by Embrace.
Embrace handled my recent claim within 72 hours which is extremely fast compare to other insurance companies. Thank you
Insurer: Embrace
By: Paul S
Ease of filing a claim is excellent
Ease of filing a claim is excellent. Direct Deposit into my checking account is an added bonus.
Insurer: Embrace
By: Candyce P Long
Very poor reimbursement rate
Very poor reimbursement rate. Many exclusions. Submitted $315 for an annual visit with vaccines and 1 antibiotic, received $60 back. Did not accept initial adoption with vaccine invoice bc it was over 3 mo deadline. Terrible value for the cost.
Insurer: Fetch
By: Mere
Efficiency
All my questions and worries we're taken care of fast and efficient.Excellent customer service.
Insurer: Sonnet
By: Barb
Filed a claim of just under $6k after…
Filed a claim of just under $6k after my dog had bowl obstruction surgery. My claim was accepted and 90% of the claimed amount was deposited into my account literally the next day; probably less than 12 hours later. Extremely fast. I would absolutely recommend Pumpkin to anyone that has a dog or is thinking about getting a dog.
Insurer: Pumpkin
By: customer
Very easy to submit a claim and very…
Very easy to submit a claim and very quick to respond
Insurer: Embrace
By: Cooper
Filing a claim is a snap
Filing a claim is a snap, whether being done by the patients "mom" or by the vet. The claim was processed quickly, and I felt especially good back in the day when I had a sick kitty and we had an ice storm that kept our vet from opening that week. The substitute vet was great, in fact the vet filed the insurance claim for me and payment was made within one week of our visit. Splendid service, well worth the premium.
Insurer: Pets Best
By: Joan Hamm