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Pet parents across the U.S. and Canada have left over 217,576 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 amazing!
I submitted a number of claims for both of my dogs to Embrace on Feb 9th and 10th via fax. Today, Feb 16th, I received checks in the mail for covered items! That is amazing processing and Customer service! Thank you, Embrace!! Any time I have called with questions, they were extremely courteous and helpful.
Insurer: Embrace
By: Vicki
Great Company
We have a large male Bernese Mountain dog who had his first accident when he turned three. He was running, turned quickly and tore the tibia in his left knee. We had the surgery and 4 months later with the help of water therapy, his knee was as strong as ever. Barely 18 months later, he tore the tibia in his right knee - which we learned is very common. We just completed the surgery 4 months ago, and he is happy and healthy again - enjoying his daily runs. Through both surgeries, Embrace was there for us. The surgeries and therapy combined were thousands of dollars and they covered the majority of the cost with no hassle. The claim process was simple and fast and there was always someone to answer my questions. Thank you Embrace for all that you do. Choosing Embrace was a great decision!!
Insurer: Embrace
By: Karen
awful
Would like to let everyone know about my experience with Trupanion. After thoroughly researching pet insurance companies, I decide on Trupanion. When Ares started limping I spent my hard earned money, did everything a responsible pet owner would do. Even took her to an orthopedic surgeon. To my relief she just pulled something. I filed my claim with Trupanion only to receive a letter that they won't cover anything because it's an illness. I of course called and disputed their decision. I was told that limping is an illness and it occurred before the 30 day waiting period. Since when is a pulled muscle an illness!? I fought back and forth with them for months, eventually calling in December to cancel both Ares and Ezras insurance. Heard the whole speech of how their sry to see me go, blah blah blah. Was told no more charges would be withdrawn from my credit card. February comes around and Trupanion pulled 2 payments from my credit card. Called and was told I didn't send a letter to cancel! Told them to pull the phone call from when I cancelled and they told me I was misinformed and apologized to me for not letting me know I had to send a cancellation letter but won't refund the double withdrawn payments. BS. I have to cancel my credit card and file an unauthorized charges and dispute the charges. Called Trupanion one last time thinking they would make things right. Nope, they want me to respond to an email stating that I cancelled my insurance on February 13th or they will pull another payment on February 21st. Good luck with that. Credit card company cancelled the card and blocked any further charges from your company. Shame on you for misinforming me and expecting me to pay for your mistake! My advice to anyone looking for pet insurance. Don't even consider Trupanion. Try VPI, Healthy Paws or anyone else for that matter. I did EVERYTHING I was asked to no avail. Now I can't go to any other company because if she does start limping or injured her leg, it will be considered pre-existing. So disappointed.
Insurer: Trupanion Canada
By: Amanda
Outstanding Company
Over the past several years we have insured all our dogs with ASPCA Pet Insurance and they have consistently provided outstanding customer service. ASPCA Pet Insurance has assisted and supported us through illnesses and accidents so that our dogs receive the best possible medical care. The staff is genuine, kind and caring.
Insurer: ASPCA
By: Ellen
So glad we had Trupanion
Our young, energetic and powerful staffy-mix unfortunately didn't know how to play fetch at a more moderate level of intensity. He tore is cruciat ligament turning and running up hill and came back limping. For larger dogs like this,the recommended procedure is TPLO surgery. There are other less expensive surgeries that are typically used on smaller dogs. at $4500, I was worried that Trupanion might only cover for the lower, more typical procedure. I held my breath for a couple weeks waiting for the outcome and was happy to see they covered the full 90% after deductible with no hassles. I understand that it took a bit of time to work through the claim as, a first time issue, they need to collect the history of all prior vet documentation. Now I need to ask whether post surgery physical therapy is covered despite not having athe special rider for PT... which may be non-surgery related PT.
Insurer: Trupanion Canada
By: Gordon
So glad we had Trupanion
Our young, energetic and powerful staffy-mix unfortunately didn't know how to play fetch at a more moderate level of intensity. He tore is cruciat ligament turning and running up hill and came back limping. For larger dogs like this,the recommended procedure is TPLO surgery. There are other less expensive surgeries that are typically used on smaller dogs. at $4500, I was worried that Trupanion might only cover for the lower, more typical procedure. I held my breath for a couple weeks waiting for the outcome and was happy to see they covered the full 90% after deductible with no hassles. I understand that it took a bit of time to work through the claim as, a first time issue, they need to collect the history of all prior vet documentation. Now I need to ask whether post surgery physical therapy is covered despite not having athe special rider for PT... which may be non-surgery related PT.
Insurer: Trupanion
By: Gordon
Thank you!
Overall so far I've spent over $3k at the vet. With this insurance I've been reimbursed a little over $1500...THAT IS GOOD!!!I am so glad I have insurance for my kids and I am glad I chose Embrace. Thank you!
Insurer: Embrace
By: Karineh
Glad I purchased insurance
We have adopted three rescue dogs from the local Humane Society. My vet recommended that this time I go ahead and get pet insurance. My daughter did extensive research and we insured them up with Embrace. Our Rocky is a runner, he loves to run, and he managed to tear his cruciate ligament. The surgery is pricey but we went ahead and had it done, no issues with filing or payment of claims. I'm so glad we went ahead and signed up with Embrace, have recommended the company to multiple pet owners.
Insurer: Embrace
By: Jill
Efficient and easy to use
Insuring our pets has always been an action our family takes. Some might feel that the cost isn't worth it if you have a dog that never has a health issue but that is not usually the case. Granted, it can be pricey. Our Portuguese Water Dog recently got diagnosed with Addison's disease and the vet visits and emergency care required can be overwhelming. I'm grateful for the very easy to use claim submittal process and prompt processing of reimbursements. Also for the friendly, personal touch of checking in on our dog when it was clear there he was very ill. Thanks HealthyPaws!
Insurer: Healthy Paws
By: Brenda
Pleasantly surprised!
I switched from another pet insurance company due to poor customer service and lack of caring. I am so happy that I chose this company, the live chat is awesome and the constant communication is very reassuring. Fast claim response time too!
Insurer: Pets Best
By: Lori