218,219+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 218,219 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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OVERALL GREAT PET INS
Since rescuing my kitten at 8 weeks she has been in and out of the vet with granuloma / dermatitis skin condition and other things kittens go through there 1-2,years. Embrace has been great with handling/processing claims. I had to file so many claims in less than 2 yrs and never had a problem. I always get an email on the status of the claim and if I ever had a question of any sorts I always get through to a speak to a representative. I believe the coverage is great in comparison to other companies and the monthly fee for the insurance is very reasonable for my lovable Tallulah. I intend to stay w/ Embrace
Insurer: Embrace
By: Meredith
What great people!
I've had ASPCA insurance on our 3 dogs for a long time. When one of them has a problem it sure helps me choose the best thing for them not just the cheapest treatment. Also, when I've called, the customer service staff is amazing! They call to check on our pet, not our payment! Actually have concern for our furry family. Who does that? Has your insurance company ever called to check on your welfare? Doubt it. I recommend them to friends all the time.
Insurer: ASPCA
By: Nancy
Life Saver
Embrace Pet Insurance is a life saver, we invested about $550 into the medical/wellness for our puppy and so far in 4 months Embrace has paid out as much as we invested. I'm certain that we will exceed the return on our investment over the full year. I will be re-purchasing when our policy expires. Our pup has constant ear infections, we adopted her 5 months ago and she's had at least 6 ear infections since. Without this policy, between that and her spaying, we would never have been able to get her the quality healthcare that she needed. She's also being tested for allergies to see if there's something we can do to prevent further problems. I rated the company at a 9 because the processing time for claims can be quite lengthy, especially when additional information is needed and the vet's office says that never received the request (who knows where the ball was dropped) resulting in ever longer processing times. If I were notified then I could proactively get the information from the vet, fax/e-mail it to Embrace, and get the ball rolling sooner. Claim amount is for overall use year to date, same for type of claim and I averaged the time to handle claim.
Insurer: Embrace
By: Sabrina
Money well spent.
My golden retriever unexpectedly started urinating blood, took him to the vet and ultra sound was performed. A large tumor was located on his right kidney. He had surgery the next day removing the kidney. I submitted the claim to Embrace and within days had a check in the mail. He is not out of the woods yet, he starts chemo this week. It is difficult going through this as we think of them as our kids, but Embrace lessens the pain by always being compassionate and on the spot with paying the claim(s).It may cost a little up front but well worth it when needed. Thank you Embrace
Insurer: Embrace
By: Karen
They Asked for it.
First let me state we are keeping Embrace, but they asked for the review so here it is. Our dog has a chronic gastric condition typical of the breed. Our Vet decided that it was medically necessary to have his stomach tacked (gastoplexey) to prevent torsion from bloat, usually a fatal condition. We submitted a pre-certification to Embrace which was approved, had the surgery and submitted the claim---WHICH WAS DENIED! How do you deny a pre-authorized claim???? After the requisite indignation on our part, to their credit they honored their pre-approval and paid the claim. Embrace never did inform us what the issue was---did the pre-auth person screw up or did the claims agent? The way their note to us saying the'll honor the claim was written seemed to indicate that it should not have been approved to begin with since it was "preventative" even though the Vet said it was medically necessary to potentially prevent his death from bloat. So in the end it worked out but the stress we were put through, for the albeit only for a day, worrying about the vet bill was upsetting. I will give them high kudos for honoring their pre-certification, but they should have seen it internally and we should never have been the wiser--the actual submitted claim should just have been paid. Otherwise, we really like the comfort of having pet insurance on our dearly loved pet. P.S.: They do take a long time to process claims, and some glitch in their email notification system did't notify us of the claim status. I logged in wondering what was taking to long and found the 16+ days old denial--so this added to the stress because appeals have to be filed within 14 days. Epic fail administratively.
Insurer: Embrace
By: John
ASPCA has saved me money and are very helpful.
I have six cats and all are insured with ASPCA. The insurance is affordable and the staff is always there to answer any questions. I tell everyone I know about this insurance for their pets.
Insurer: ASPCA
By: Charlotte
Glad I have it for my dog.
Glad we got this insurance for our dog. We upgraded the policy we got but we have gotten our money worth do far. We got a puppy when we purchased the insurance and our puppy has had numerous visits to the vet for spaying, shots, Urinary tract infections, skin infections and the insurance has paid for a lot of our pups care which has been close to $2000.00 in the last 11 months. The insurance has been well worth the investment for us.
Insurer: Nationwide
By: Yvette
my claim
I have been happy with Pet Best and I tell everyone I see that you are great.
Insurer: Pets Best
By: Glenda
Peace of mind
After our family lost our 8 year old Golden retriever to cancer, We purchased VPI. When we brought Melody home as a puppy. My husband was very skeptical until at three Melody went up for a frisbee and came down in a hole with a torn Acl. VPI payed for exactly what the policy said they would pay for, the process was easy and the checks were paid fairly quickly. We added our puppy Harmony also a Golden to the policy . With high energy dogs like Goldens, VPI allows us to feel like we can handle emergencies if they occur.
Insurer: Nationwide
By: Carolyn
scam - VPI exists for the $, not the pets
I've been a paying customer of a Premium Plan for SIX YEARS at $50 a month. My dog has been relatively healthy for that whole period. Last month, my dog got cancer, to the tune of $2000. A deadly cancer called hemangiosarcoma. She needed bloodwork, cytology report, meds, and ultimately surgery to remove the rapidly growing tumor. When I submitted the expenses, they covered only $560 of my entire bill!!! They told me that my "Premium Plan" was old and had not been updated since 2008 for any adjustments and therefore only this small amount was cover and that they surgery itself was NOT covered. I was outraged! After speaking with the first customer agent, I asked to talk with her supervisor. After getting the run around from the second, I said I wanted to talk to underwriting and they said they do not allow customers to talk to the underwriting department. Then I said I wanted the president's information, so they forwarded me to the "customer advocate" for the president. After 3 very heated calls, she phoned me back the next day and told me that underwriting was correct and that they would not pay any more on my claim. I am canceling my policy.
Insurer: Nationwide
By: Amber