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Pet parents across the U.S. and Canada have left over 216,496 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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Embrace is Fair and Dependable!
Embrace continues to pay promptly and I am grateful. My Doxie Meggy (Who is my Heart) has had a few episodes of Vestibular Disease as well as gastrointestinal problems. Happy to say she is getting great care and I am grateful for the help from Embrace Pet Insurance. I felt confident about them when I signed up as they were recommended by USAA Insurance. I have recommended them to my friends also.
Insurer: Embrace
By: Eileen
Best Investment I Have Made for My Cats
When I adopted my kittens last summer, I was trying to decide whether to get pet insurance of not. At first, I thought that I would pay out more than I would ever spend on claims. I looked around for insurance and found Healthy Paws. It turned out that the monthly payments were very reasonable for the 2 kittens, so I decided to go with it. I am happy that I did because about a month ago, one of kittens were playing and all of a sudden, she started limping. I took her to the vet and it turned that she cracked the head on her femur bone. The medical bills came to over $2,000.00 and, except for the $250.00 co-pay, Healthy Paws paid 80% of the bill. It was terrible that I had a cat that needed surgery, but at least I didn't have to worry about how to pay for it. The insurance through Healthy Paws is the best investment I could have made for my kitties.
Insurer: Healthy Paws
By: Jay
Avoid!!
Trupanion raises insurance rates by 10-20% each year. I got it in 2013 when I got a new puppy and have had it for 3 years now. My first year's monthly premium was $51.49, second year $56.35, third year $67.63, and today I received an updated policy with an increase to $81.15. I chose Trupanion because they said they don't increase premiums based on claims or the dog's age, but what I am seeing are huge hikes. They said this relates to increased vet costs in my area, but I am very aware of the costs around here and they have not changed in a long time. Do the math and figure how just how soon this policy becomes useless with annual increases of 20%. Insurance is mainly necessary when the dog is a senior, perhaps at around 10 years of age, and by that point, at this rate, you would have paid Trupanion about $16,000. Pretty sure it's better to save this money in a savings account which pays you interest instead of feeding Trupanion's CEO. As far as claims go, I had a few the first year without issues. None in the past year but still a huge premium increase.
Insurer: Trupanion Canada
By: Anna
By far the best pet insurance!
Sadly, my dog has had her fair share of Embrace claims but of all claims I've submitted, I've had zero issues with Embrace paying out. My dog has been diagnosed with lymphangiectasia caused by IBD and most recently Lymphoma in a matter of 2 years with Embrace. Embrace has paid out 80% (per my policy) every time with no excuses and very minimal additional information from our vets. This includes ultrasounds, xrays, tons of bloodwork, chemo, and all her medications. Only thing is they don't cover the more holistic supplements with their insurance plans but I've used their wellness plan for that and it covers 100% until those funds are depleted. Their wellness plan also allows you to get reimbursed if you buy supplements online too! I get my reimbursements back in less than a week most of the time, or up to a week at the most and vets are amazed with how little they are hassled for special letters, additional documents, etc that they have needed to provide other companies that request them but still don't pay out for the services. Our oncologist is now recommending Embrace to all their clients because how fast they saw I was getting money back. I'm in there weekly and I have the funds in my bank account by the time I'm in there the next week.
Insurer: Embrace
By: Justine
Amazing
Having pet insurance from the ASPCA has been a true blessing. I have piece of mind knowing the ASPCA is here to help us provide the best possible care for Simba
Insurer: ASPCA
By: N.S.A
Awesome experience
We had a golden doodle who ate something he was not supposed to and it required emergency surgery. Trupanion approved the claim within a couple of hours and there were no items not covered by our claim. I would highly recommend them to anyone who has a pet. Wonderful service
Insurer: Trupanion Canada
By: Lois
Prompt payment
My dog Sadie has had problems with kidney stones, infection etc. Am extremely happy with the prompt payment and the follow up calls from ASPCA.
Insurer: ASPCA
By: Nellie
Dependable
Dependable insurance! I thank God i have this Pet health insurance. My fur babies needed emergency care several times and ASPCA were always undestanding , prompt in re- imbursing me with the Vet bills. TY, ASPCA
Insurer: ASPCA
By: LRLUCAS
Awesome Customer Service/SUPER EASY Claims!!!!!
We had used Embrace a while back, but when we adopted our current little girl (Gabby, 4yr PitMix), she came with a month free of some other insurance. I was stupid and just stayed with them for a year. For that entire year I never submitted a claim because their claim submission process was ridiculous - pretty sure that was their plan! I kept the insurance just in case we had any major issues and chalked it up to my mistake. However, as soon as the renewal came up, I reached out to Embrace and got Gabby covered through them. It took me all of five minutes on the phone and was actually less than the renewal fee for the horrible insurance we had before! The claim process for Embrace is about as easy as it gets - and the customer service I have received from every single person I have dealt with (email, phone, etc.) has been wonderful - actually helpful - AND nice! Imagine that! I recommend Embrace to all of my pet lover friends! Don't waste time and money with the other ones. I promise one claim submission with these folks and you will be singing their praises too!
Insurer: Embrace
By: Candy
3 claims, no problems!
I have had Embrace for a few months now and have personally submitted 2 wellness claims, which were covered at 100% as agreed. I have also had my vet process an ER claim that was covered after my deductible was met and the outstanding amount was mailed to me. Each time a claim was processed, it was done quickly and efficiently.
Insurer: Embrace
By: Christine