216,093+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 216,093 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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Reimbursement
Great and so quick turnaround. Best pet insurance ever!
Insurer: Embrace
By: Andrea
Terrible service
My 6 month old Chocolate Lab had to go into the vet after eating pizza dough. The claim took over 3 months to resolve, and after Embrace put several waivers that my dog was no longer covered under including several she has never been seen for due to "possible pre-existing conditions". She is 6 months old! She has no pre-existing conditions! When I called Embrace they were unhelpful and said there is nothing they can do, as long as she never goes to the vet for 12 months it will be fine. Joke of a company. Avoid.
Insurer: Embrace
By: Al
Best Insurance Company Ever
Healthy Paws Pet Insurance is by far the best insurance company I have had the pleasure of working with. First and foremost, they are much less expensive on a monthly basis than the competitors. But it is the no hassle customer service that is amazing. Within 3 days of filing the claim, the reimbursement checks were at my house. Most important however, they cared enough to follow up and ask about how my dog did post procedure and if everything was alright. I refer all my friends, family and clients who are pet owners to Healthy Paws.
Insurer: Healthy Paws
By: Leslie
Extra Wellness Checkup
My 6 y/o healthy, spayed, playful black lab mix slowly became overweight (on a strict controlled diet), sluggish, constantly panting even without exertion, and just seemed "different". My human medical background immediately kicked in with "metabolic disease". We ran a complete chemistry panel, poop check and physical exam. All were A-Okay. Embrace issued my reimbursement less than 10 days after claim submission. Now I have a happy, thinner, crazy playful dog and my granddaughter gets her new computer for hi-school. Why can't human corporations be this caring and compassionate? Love U, Embrace Team. Sincerely, Voodoo and caregiver
Insurer: Embrace
By: Vicki
Wish my own health insurance were so efficient!
First, in our wildest dreams, could not have imagined how expensive our vet bills would our first 1+ year of dog ownership. Pet health insurance is one of the best financial decisions we have ever made.I can not compare Healthy Paws to other pet insurers because this is our first time using such a service, but I have to say that our past and present human insurance providers could learn a lot from this company! Here is my experience: When I signed up I chose a $250 deductible and 20% co-pay. It turns out the higher premiums associated with a lower deductible and co-pay would have already paid for themselves, but I had no idea our 2-year-old dog would need multiple surgeries in rapid succession! In any case, we've been grateful for the coverage we do have. Our husky has had three surgeries related to the human equivalent of torn ACLs. I have the Healthy Paws app on my phone. Finding a claim is ridiculously simple. Before I even leave the vet's office, I open the app, select "submit a claim," take a photo (in-app) of the itemized bill, and hit "submit." By email, I've gotten basically four types of communication in response. 1. Claim submission confirmation. (Immediately?) 2. Notice that claim is being processed (within a day or two). 3. Notice that claim has been approved and (if applicable) that a reimbursement check is being mailed. (Within a few days, although I think the first one took longer, probably while they determined if the condition was pre-existing, since we had so recently purchased the insurance). 4. A kind, personalized follow-up inquiry about our dog's recovery. That's it. It's been unbelievable to me! We have a large family and are big-time health insurance users and it is not uncommon for us to get EOBs and bills for services six months or more after a service date. And we often have to spend hours on the phone with the providers and our insurance company trying to sort out who pays what. I don't know if there are cheaper or better pet insurers out there, but I'm not even interested in finding out. We are so grateful to Healthy Paws for their efficient, professional, and compassionate service model that we look forward to a long relationship with them.
Insurer: Healthy Paws
By: Pamela
Two Thumbs Up for Embrace Insurance
Unfortunately, we have had to submit several claims regarding our German Shepherd, Cessie. But fortunately, Embrace has responded promptly and courteously. Embrace is, in my opinion, second to no other pet insurance company.
Insurer: Embrace
By: John
Great Coverage!
So glad we have a policy in place for our Chocolate Lab Guinness. He's still a pup (1.5 yrs) and is really good and gobbling down things he shouldn't. He recently swallowed a 4 inch piece of bully stick and vomitted it out later but it left him with continued vomitting and choking. We took him to the vet to verify he had no other obstructions or damage to his digestive track. Pet's Best covered us within days of our claim!
Insurer: Pets Best
By: Victoria
Not worth the cost of the policy
I had this insurance for about 8 years and would have done better setting the premium aside to pay for medical expenses. When Lisa got really sick with a liver disease, they only paid 1/4 of the total cost of treatment for my cat. They have a set amount for the treatment of the illness ($135) which is to cover exam, medication, any procedures, etc. They only pay for testing/bloodwork once for the illness. They discount the allowable charges to an extreme. In the end, they pay just a small fraction of the cost for diagnosis and treatment of any major illness. Don't waste your time or money with this insurance.
Insurer: Nationwide
By: Melissa
We love this company!
For peace of mind, efficiency, and caring this is the best company around! Even though our dog is only a puppy we have had multiple claims already ranging from baby teeth not falling out to lameness and the beginning stages of hip problems. All of our claims have been reimbursed very quickly...and whenever we have called, we get friendly efficient service and the Embracer really seems to care about our little one's health. We love this company. It's worth every penny.
Insurer: Embrace
By: Barbara
Great Pet Insurance
I am so pleased with the service and care from this company. I have a very sick cat and the claims service has been very smooth and easy. The Vets caring for him love using Embrace because they are so easy to use. In addition I have lost a couple of pets and when I notify them they are so caring and really go above an beyond.
Insurer: Embrace
By: Kim