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Reliable and Efficient
We have insured all of our dogs with Embrace Pet Insurance and couldn’t be happier with their service. Filing claims and receiving reimbursements has always been smooth and hassle-free. Recently, we welcomed a new furry family member and immediately insured him with Embrace. The process was quick and straightforward, taking only a few minutes. While the phone lines were a bit busy over the weekend, Morgan provided excellent assistance, ensuring we understood the steps to add our new member. Embrace continues to prove why they’re a top choice for pet insurance—efficient, trustworthy, and backed by great customer service. Highly recommended for all pet owners!
Insurer: Embrace
By: Jonathan Ramos
Horrible experience on final claim…
Horrible experience on final claim after losing our dog to cancer. I have had this insurance for 10 years. Never had a claim until March 2025 when we found out our dog had cancer. I submitted 2 bigger claims, but under $500. Another for medications and a final for euthanasia which $150. Never in the previous larger 4 claims did they ever ask for a full 10 year medical record of our dog until the final claim. Seems if a full medical record was necessary it should have been required on first claim, not after losing our dog and on the final claim. This company is unethical and I cannot help but wonder if this about getting yet another payment while they jerk us around. In response to Healthy Pets reply: No problem on requesting these records, but it should have been on the first submission - not after we lost our pet. Your company should find some compassion.
Insurer: Healthy Paws
By: Jenn Rinker
Both young people were very
Both young people were very, very nice & personable! Both were helpful & efficient!! We need more people like Jonathan Moore & I don’t remember the 2st person’s name!!!
Insurer: Nationwide
By: Donna Zita
Was very easy to submit my claim
Was very easy to submit my claim, I was pleasantly surprised.
Insurer: Embrace
By: Wayne Myer
Avoid. They will rip you off.
They deny everything based on geralizatjons and diagnosis from themselves and not what doctors say. My dog had a puppy scratch on her belly and they said it was allegies even though my vet didn’t. Then they proceeded to deny anything she has ever had because it shares potential symptoms with allergies. Then there is the “we don’t raise prices based on age or claims” but then they will go and raise it every single year. I have had my dog for 5 years and each year it has gone up 20-40 %. It started at $75. Now it is up to 170 a month. This company is a scam. Avoid at all costs.
Annual Premium Increases
Every year, Fetch will raise your premium, increase your deductible and reduce the reimbursement rate. STAY AWAY!!!! 2022 Annual Payment: $1534.14 Deductible: $350.00 Reimbursement rate - 80% 2023 Annual Payment: $2024.63 Deductible: $350.00 Reimbursement rate - 80% 2024 Annual Premium¹ $3060.87 Deductible$350 Reimbursement rate - 80% 2025 Annual Premium¹ $3531.90 Deductible $500.0 Reimbursement rate - 70% UPDATE – May 15, 2025 I called Fetch, as instructed in their response, and was transferred to Tracy, a customer advocate—presumably a step above a typical customer service representative. Initially, Tracy offered me the same policy I had last year: $15,000 coverage, $350 deductible, and 80% reimbursement—for $360.84 per month or $4,330.08 annually. I was prepared to accept this just to maintain my coverage without further hassle. However, after checking another system, Tracy reversed her position and reverted to offering a $500 deductible with 70% coverage. When I questioned the change, she began citing company policy and individual risk assessments. The inconsistency and lack of transparency are incredibly frustrating. BEWARE! Fetch has not been the same since the change in ownership. I’m now waiting to hear back from her supervisor.
Insurer: Fetch Canada
By: Sid Soil
Trupanion Is Amazing!
Trupanion is amazing! I never expected my puppy to need major surgery. He's just a puppy! They have been expedient with the pre-approval process, which is helping me to focus more on his rehabilitation and recovery. I would recommend Trupanion to anyone who is seeking pet insurance. My experience has been phenomenal!
Insurer: Trupanion
By: Lisa
I highly recommend Fetch
I highly recommend Fetch. The app is user friendly. The claims process is super easy with app. Decisions are made quickly. I have had no issues so far.
Insurer: Fetch
By: Kelly
Seamless Wellness Payment
I am new to Pumpkin and just got my first puppy recently and was very pleased with how seamless Pumpkin's payment was. I took my puppy to the vet, uploaded the invoice online and was paid very quickly and without any questions or hassle.
Insurer: Pumpkin
By: customer
Simple efficient services
Simple efficient services
Insurer: Prudent Pet
By: Sue Johnston