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Pet parents across the U.S. and Canada have left over 150,000 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our review hub makes it easy to compare top providers and find your perfect match.
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Fast Review and Quick Payout
Spot reviews each claim quickly and pays with no friction. Best experience I've ever had with pet insurance.
Insurer: Spot
By: rammjet
I do not know if I like or dislike yet…
I do not know if I like or dislike yet because I have not used it yet. I just purchased it for my pup.
Insurer: Pumpkin
By: Lori D.
Exactly as promised
I've been paying for this insurance for 3 years and haven't had the opportunity to use it until now. My dog got bit by a coyote and I went to a vet to get help. The insurance paid everything I expected them to pay in a timely fashion. 90% of my bill minus my annual deductible certainly helped. I almost canceled the insurance this year because I hadn't needed it, but I'm glad I still have it.
Insurer: Spot
By: Leigh Larson
Customer Service is not knowledgeable…
Customer Service is not knowledgeable about how to file claims. Assistance by phone to walk me through a claim process is stressful and I don't feel customer service has been trained sufficiently. The claim process online is not detailed enough, therefore I don't feel I'm getting as much money back as I should. I only signed up with this service because of ASPCA but I will be changing insurance companies soon. MetLife customer service is easier to make claims.
Insurer: ASPCA
By: Claudia Weaver
Canciling
With the recent rate increase I decided not to continue with the insurance
Insurer: ASPCA
By: Dave Iacono
Easy submission and fast turn around.
Easy submission and fast turn around.
Insurer: Embrace
By: Kerry
Delaying Claim Payment
I have a claim in for oral mass surgery and GI issues - they are sending for review and getting records. The cost was over 1800. I’ve barely used the insurance since I’ve had it for the last 3+ years for my pets. And they say it can take up to 30 business days. I even didn’t use my wellness one year for 2 pets that’s over 500. Pretty disappointed in Pet Embrace. I thought they’d be there when you need them. Now feeling like they are trying to find a way not to pay.
Insurer: Embrace
By: Jessica Muise
Outstanding Pet Insurance – Truly a Lifesaver!
Outstanding Pet Insurance – Truly a Lifesaver! I cannot say enough great things about Embrace Pet Insurance. From start to finish, their service has been exceptional. Submitting claims is incredibly easy, their team is prompt, courteous, and thorough, and reimbursement comes quickly without any hassle. They genuinely care about pets and their families, and it shows in every interaction. Thanks to Embrace, I was able to provide top-tier care for my dog without worrying about the financial strain. The coverage is comprehensive, the policies are transparent, and their customer support is second to none. If you’re on the fence about pet insurance, do yourself and your furry friend a favor – choose Embrace. It’s one of the best decisions I’ve ever made.
Insurer: Embrace
By: Doug Denniston
Peace of mind and ease of use
We have had spot pet insurance for a few years now, and we’re very satisfied with the claims process. Submitting a claim online is easy and very convenient and the response and process time are very reasonable!
Insurer: Spot
By: Cindy Maleike