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Pet parents across the U.S. and Canada have left over 208,360 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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Illness Coverage including surgery
Coverage when my dog suddenly fell ill with GI issues requiring hospitalization etc. Very easy to submit claims
Insurer: Spot
By: Prema
Melody was phenomenal
Melody was phenomenal. She was informative and incredibly helpful while navigating this process. Thank you!
Insurer: Nationwide
By: customer
Go with another insurance company
I’m learning the hard way that this is the pet insurance company that I should have bypassed for another. They were promoted, or affiliated with USAA which has all of my insurance policies, so I went with them. This is your typical “first option is to deny” insurance companies that they are so famous for. We had to take our French Bulldog to an emergency vet because he vomited and inhaled some of it and could have caused pneumonia. Our dog has a pre-existing condition for “noisy breathing” whatever that is? He’s a frenchie, they snort. Otherwise he’s a healthy dog. However, since aspirating some of his vomit affected his lungs (not sure how that wouldn’t) they denied our illness claim. So since an illness touched his lungs, it’s not covered even though his breathing didn’t cause the illness. Hypothetically, If a large dog bit my dog in the chest and punctured one of his lungs, I’m pretty sure Embrace would deny that claim, as they would claim that his “noisy breathing” played a roll in that injury. I am beside myself and will be shopping for insurance with another company.
Insurer: Embrace
By: C. Baker
smooth experience
smooth experience. get the money in a week with all the documents uploaded.
Insurer: Spot
By: YL parent
Happy little Campers.
I'm so happy and pleased with the quality of service your the Best One of the best insurance companies for my boys
Insurer: Spot
By: Melissa Mendoza
Easy to understand and deal with.
Easy to understand and deal with.
Insurer: Spot
By: Gary Fahlbush
Great first time experience
I recently had the opportunity to use SPOT insurance for the first time, and I must say it was a fantastic experience. The website was user-friendly and intuitive, making the process seamless. I appreciated how quickly they processed my claim, and I was pleasantly surprised to receive the check in a timely manner. Overall, I highly recommend SPOT insurance for anyone looking for reliable and efficient coverage.
Insurer: Spot
By: Scheila A.
The online claim was easy and fast
The online claim was easy and fast, I submitted the paperwork provided by my vet at the time Fiona was picked up. Shortly after within an hour, I was asked for further information such as the doctors notes. I called my vet and asked for them. They said it would take a couple of days. Within the timeframe Spot insurance representative reached out to my vet to acquire the necessary information/paperwork. My claim was processed and approved in less than one week of filing. Its my first time filing a claim, and I couldn’t be happier with the seamless process. Currently waiting for the automatic payment to arrive in my bank account. Super happy customer, my pets needs are being met! Thank you Spot Insurance!.
Insurer: Spot
By: Nery Rife
Processing the claim was fast and easy.
Processing the claim was fast and easy.
Insurer: Embrace
By: Rodriguez Daniel