219,106+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 219,106 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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Easy claims process
My experience with Embrace was positive. I like their online account information where you can view claim status. My vet filled out the necessary paperwork and faxed the claims. I received a claim response within a couple of days. I had to follow up with my vet to ensure they sent health history and I was issued a paper check by mail. Direct deposit is available if you set it up. I called customer service to request claim forms and they immediately emailed them. I would highly recommend Embrace Pet insurance for peace of mind.
Insurer: Embrace
By: Dianne
Slow processing
I use to really love Pets Best but lately they have been taking much longer to receive and process my claims.. Before I'd fax my claim in the morning and in a few hours I get an email notifying me that my claim has been received and is processing but now it takes 2-3 days. Also they don't notify me when my claim is processed anymore, I always have to log on to check the status. I'm not sure if their clientele is getting bigger but it's taking too long to receive my reimbursement. I'm only keeping them because my policy is cheaper than most other insurance companies out there and everything would be pre existing if I signed up with a new company.
Insurer: Pets Best
By: Kim
No hassle,very helpful
I picked up the insurance for my Doberman as a puppy and knowing she was going to get spayed the money I saved was incredible absolutely no hassle whatsoever and the reimbursement came as quick as possible Hub
Insurer: Embrace
By: Michael
Great service for our Frenchie's surgery!
Our French bulldog just had disc surgery - major operation. Embrace was exceedingly wonderful! Each claim was handled promptly and we were informed about the process each step of the way. Then the reimbursement was excellent for a very expensive operation.
Insurer: Embrace
By: Debra
Takes great care of our puppy!
This is our first experience with pet insurance. Our puppy had several health issues early in life, and Embrace has been great in reimbursing our varied claims. I highly recommend Embrace.
Insurer: Embrace
By: Izzy
Avoid VPI/Nationwaide
Just received my policy renewal from Nationwide, formerly VPI. Premium went up 32% for my 8 yo Boxer who has had almost no claims!!! Last year declined a fairly large bill for a screening Holter Monitor because I had UPGRADED my policy 362 days before and the Holter was excluded for a year. The upgrade cancelled the previous policy and I got screwed. I appealed since she had had VPI since 8 wks old and I got a form letter denial of appeal.
Insurer: Nationwide
By: Kathleen
Avoid VPI/Nationwaide
Just received my policy renewal from Nationwide, formerly VPI. Premium went up 32% for my 8 yo Boxer who has had almost no claims!!! Last year declined a fairly large bill for a screening Holter Monitor because I had UPGRADED my policy 362 days before and the Holter was excluded for a year. The upgrade cancelled the previous policy and I got screwed. I appealed since she had had VPI since 8 wks old and I got a form letter denial of appeal.
Insurer: Nationwide
By: Kathleen
Bad experience
I bought pet insurance with the understanding that the records would be reviewed and exclusions would be clearly notes up front That was not the case and I will not recommend the company It could only work if you had s puppy so read the policy and don't get surprised with a 4K vet bill that I thought would be covered Bad experience
Insurer: Embrace
By: Janet
Unknown denial of claim
Someone denied my claim for an illness, but did not support the decision. They took 2 weeks to process it before emailing me to give more detail. I sent an invoice, and they said they needed to get paper work from my vet, then they denied it saying it was from before I put insurance on the dog. But it was false and they will not provide me the paper to show it was an illness prior to insurance date.. terrible..
Insurer: Pets Best
By: Dan
Embrace
Late this summer I was researching coverage plans for my new Great Dane puppy, as I have never insured a pet before. I called Embrace and spoke immediately and directly with Darcy Lindner, Embrace Contact Center Mgr. I appreciated the fact that I was able to speak with a real person and not go through mind-numbing and frustrating prompts. Darcy answered all of my questions and helped me tailor a plan that is both comprehensive and affordable. I have thankfully not had to use the accident and illness coverage, but have filed a number of wellness claims already, whereby you are fully reimbursed for wellness vet visits and things like vaccinations, and flea/tick and heartworm meds. The claims have been processed quickly and the checks mailed to me within days. Underwriters Christine Markulis and Cassie Vasco have completed those claims both promptly and efficiently. I have also encountered other members of the Embrace family, namely Mike Lambert and Laura Bennett, who have helped me navigate the logistics of this process as well. I can't speak highly enough about the staff, and I feel like they are different than other insurance companies in that they truly care about my dog and me and want to see us get exactly what we need. I highly recommend this company to anyone who is looking to insure their furry family members.
Insurer: Embrace
By: Sarah