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They do what they say.
I have 3 dogs with spot insurance and one puppy broke his leg and they paid right away and was very helpful with the claim. And now my other dog had a hernia and had to get it fixed and they were great with that bill. I recommend this insurance highly. They helped me greatly. Thank you Spot Pet insurance.
Insurer: Spot
By: HELENE BANCA
Embrace is a scam
In January of 2024 I got Embrace pet insurance for my dog, after he had knee surgery on his left knee. The policy stated that there would be a 6-month waiting period before any orthopedic claims could be made. They requested and received in February of 2024 my vet records clearly showing he had knee surgery. In February of 2025 my dog required surgery on his right knee, it was over the 6-month waiting period, so I submitted the invoice. After 5 weeks they said it was a preexisting condition and sent a list of other issues that would not be covered. At no point in the year since they had his medical records did they send me a note that his left leg had anything to do with his right leg. I bought the insurance for peace of mind - they should have said once they got his records what they considered a preexisting condition. I would have shopped elsewhere for insurance. This is not only poor business practice but fraudulent since they had the information about his left leg operation over a year ago.
Insurer: Embrace
By: Marsha
Bunch of crooks
Bunch of crooks. Called to cancel right away after accidentally adding their insurance plan when adopting my cat. Was told I'd receive a refund. Two months later and still nothing.
Insurer: MetLife
By: Mario J Suarez
Apparent Simplicity / Hidden Complexity
As easy as embrace is, it’s also extremely tough. I need to resubmit an invoice for a claim and have no way to do so except print the invoice (not convenient) and then take a photo of said invoice. Instead of uploading that file that’s already available to me b/c I only have the option to upload photos. I tried a screen grab and apparently that wasn’t clear enough. And that’s only on my phone. Because my laptop I don’t have access to my account at all. The website works fine until I login and then the screen goes blank. So what’s meant to be super easy is actually unnecessarily hard. Then I don’t have access to any customer service. I can’t talk to anyone but a bot that sends me the same resolution on repeat regardless of me saying it doesn’t work.
Insurer: Embrace
By: Stephanie Parr
I’m extremely satisfied with my pet’s…
I’m extremely satisfied with my pet’s insurance. They accepted all the claims related to my pet’s recent health concerns and processed everything in a timely manner. The entire experience was smooth and stress-free, giving me peace of mind during a difficult time. Highly recommend!
Insurer: Spot
By: Isaliz Baez-Paneto
Insufficient Communication
I don’t know if my application has been approved but I got an email asking me to view my paperless documents. When I clicked the link on he login page it said there was an “internal error”. I submitted an application over a week ago. I have no idea if I need more documentation to get coverage for my dog. I’m frustrated.
Insurer: Nationwide
By: customer
Pet’s Best is amazing!
Thank goodness for Pet's Best! Grizzly wasn't feeling right, I was at work so my husband took him to the ER vet and they brushed it off saying it was likely a Gl bug and did no testing. I got home from work and knew something wasn't right so l brought him right back and demanded they did further testing because I knew something was very wrong. Sure enough he had colonic torsion, a medical emergency that is life threatening and needs emergent surgical intervention. I rushed him to the only ER vet in the area with a board certified surgeon on call at 2am and by some miracle they saved him. He's alive and okay today. The vet bill was out of this world but thanks to Pet's Best I didn't have to think or worry about money because I knew they had my back. I could just focus on my Grizzly getting the prompt treatment he needed and a smooth recovery afterward which is how it should be. Thank you so much Pet's Best! The process is also incredibly easy and not daunting to submit your claims. It's just one less thing to worry about when you have other, bigger things on your plate with your pets.
An honest full coverage for my pet Pom…
An honest full coverage for my pet Pom named Teddy. We called and got an experienced rep and felt confident adyer asking our questions. We signed up immediately.
Insurer: Trupanion
By: Linda Peluso
Filing a claim was simple
Filing a claim was simple. I had much anxiety around my dogs, illness, and I needed something that was simple.032125
Insurer: Embrace
By: John Hart
Fast Claim Approval
The response time after submitting my claims is fast and reliable! I feel like I can clearly understand what is covered under my pet’s plan and it really has helped me out when taking my senior pup to the vet.
Insurer: Spot
By: Stephanie Greenberg