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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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The Best of the Best
I've had Embrace since 2018 and have a difficult time when reading some of the negative reviews. In all the years I have been with them, I have yet to have a problem with any of my claims. There have been a few things that I was uncertain about coverage on a specific treatment, but if it wasn't covered (and there isn't much that Embrace doesn't cover) it was always explained. Say what you want, but if the price increases, your pet also gets older and more issues may arise. It doesn't matter to me what the cost is. There is nothing that I can put a price on when it comes to Cooper.
Insurer: Embrace
By: Ruth Nelson
Customer Service is Awesome!
The customer service is awesome and they reply in a timely manner on requests for reimbursement for insurance claims.
Insurer: Embrace
By: Alfredo Uribe
Highly Unethical Behavior
Same feedback as other reviewers recently. I have had my pet with this insurance company for 9+ years. Over that time, I have taken him in only twice for minor incidents that I had bills of less than $300 each. He just turned 11 and his insurance has gone from $65 a month to $160 a month. From what I see other reviews, I fully expect it to go up to $500 next year. This means that they are purposely trying to kick people off of their insurance as your pup ages which is at least unethical if not down-right illegal. Please research other providers before using this company.
Insurer: Healthy Paws
By: Tom Roberts
Ease of submitting a claim and quick…
Ease of submitting a claim and quick processing make this a 5 star experience.
Insurer: Spot
By: Vinny T
Embrace insurance always helps me to go through the financial burden.
I bought embrace insurance when my golden retriever was a puppy. She had surgeries and diagnosed with cancer. Embrace had helped me with pet bills. The customer rep. always answers the phone with timely manner and very respectful. I recommend embrace insurance to all pet owners.
Insurer: Embrace
By: Angie Tantri
Very helpful
HealthyPaws is very responsive and promptly handles claims. It is very easy to file a claim, without a lot of paperwork.
Insurer: Healthy Paws
By: Michelle
New pet insurance
I was looking for new pet insurance. They found one that they thought would fit my needs and they were right. I now have insurance for my fur babies with great coverage and price.
Insurer: Prudent Pet
By: lindagindercomcast.net
Hard Pass
Unfortunately, my experience with Spot Insurance was deeply disappointing. After insuring my cats, Gwendolyn and Wessley, and submitting multiple claims for each, all were denied with explanations that felt dismissive and inconsistent. Despite my appeal and supporting documentation, their resolution process felt more like a formality than a genuine review. Customer service was polite but ultimately unhelpful, and the outcome left me with little trust in the company's integrity. I’ve since canceled my policy and will not be insuring any of my pets with Spot again. I strongly recommend looking elsewhere for pet insurance that’s fair, transparent, and dependable.
Insurer: Spot
By: Kimberly Moore
They say they're the 'honest' insurance…
They say they're the 'honest' insurance company, which makes the dishonesty worse. I moved a few blocks, using the same vet, and they increased my monthly deductible. The costs to them didn't change, only the cost to me went up. This isn't right. Every time I file a claim, >50% of the expenses don't count towards the lifetime deductible. UPDATE: DOWNGRADE. 2 stars -> 1 star. Trupanion asked me to reach out. I reached out. They said they could reduce my coverage to get my cost down. That missed the point and wasted my time.
Insurer: Trupanion
By: Michael St. Germain