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Pet parents across the U.S. and Canada have left over 217,900 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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Ginger, my beautiful White American Shepherd
My Ginger was a rescue, she was a small pup in an area in LA called Antelope Valley. She was a six week old pup and just a ball of fluff. She is adorable. She also has a few problems, popped her knee, at three and developed allergies. Now that she is 7, she is doing really well. She has some physcal problems and Embrace has been there every bit of the way. I could care less about how much I am getting reimbursed, what is important to me, is the policy is transparent. I walk around and try to get everyone to sign up, pass out cards all the time, because so many other policy holders of other programs don't know what they are insured for... Just saying! And, this is not my first pup with Embrace!!!
Insurer: Embrace
By: Brad
Thank you - my dog is recovering from pneumonia
My little dog Tyra had come down with pneumonia and required around the clock care at an emergency hospital. Thanks to Embrace insurance a large part of the medical cost were covered. I compared all the pet insurance plans and selected Embrace as being a good balance of cost and coverage. I couldn't have made a better choice then to go with Embrace. I have told my friends and family about Embrace and my experience.
Insurer: Embrace
By: Charles
Thank Goodness for Trupanion
Our 2 year old cat Boo was attacked by my sisters' 2 Irish Wolfhounds on July 5th 2014. Boo then spent 2 months at our local vet clinic. She had 3 surgeries, did not eat for over 45 days living via a stomach tube but finally came home in early September. She was emaciated, bald all over and exhausted. The cost was over $10,000. Trupanion was with us every step of the way with prompt email updates, payment directly to the vet and even a refund check at one point. I spoke to them once on the phone and the rep was kind and helpful otherwise, we had to do almost nothing. Honestly I have never had such an easy, satisfying insurance experience, especially considering the cost and that it was for a cat! If we did not have insurance, my plump healthy cat would not be sitting on my lap making it hard for me to type this and purring right now. There is no way we could have afforded to save her. I would recommend Trupanion to any pet owner.
Insurer: Trupanion Canada
By: Dusty
Thank Goodness for Trupanion
Our 2 year old cat Boo was attacked by my sisters' 2 Irish Wolfhounds on July 5th 2014. Boo then spent 2 months at our local vet clinic. She had 3 surgeries, did not eat for over 45 days living via a stomach tube but finally came home in early September. She was emaciated, bald all over and exhausted. The cost was over $10,000. Trupanion was with us every step of the way with prompt email updates, payment directly to the vet and even a refund check at one point. I spoke to them once on the phone and the rep was kind and helpful otherwise, we had to do almost nothing. Honestly I have never had such an easy, satisfying insurance experience, especially considering the cost and that it was for a cat! If we did not have insurance, my plump healthy cat would not be sitting on my lap making it hard for me to type this and purring right now. There is no way we could have afforded to save her. I would recommend Trupanion to any pet owner.
Insurer: Trupanion
By: Dusty
Terrific!
So friendly and so helpful and they process claims FAST. I am so thankful I have Trupanion in my corner right now as my dog is suffering from an unknown neurological syndrome right now and I would never be able to afford the diagnostics or treatment if I didn't know they would be there to cover so much of it.
Insurer: Trupanion Canada
By: Janine
Terrific!
So friendly and so helpful and they process claims FAST. I am so thankful I have Trupanion in my corner right now as my dog is suffering from an unknown neurological syndrome right now and I would never be able to afford the diagnostics or treatment if I didn't know they would be there to cover so much of it.
Insurer: Trupanion
By: Janine
adequate processing time
I've been happy with Embrace and have had this insurance for almost one year now. Each time a claim has been submitted, they have been efficient and processed refunds in a timely manner. Also, their customer service agents have been very helpful and informative
Insurer: Embrace
By: Maria
Couldn't Be Happier
My Frenchie, Macaroni, ate part of a corn cob and after 2 months of digesting in his stomach, it became lodged in his intestines. I live in NYC and emergency pet surgery is extremely expensive. It was a difficult time for us as we thought we were going to lose out little monster, but one very positive outcome was how quickly the claim was processed and the amount that was covered. I submitted it on Sunday night and the claim was approved on Wednesday. They even sent an e-mail to get an update on his status that showed real concern for Macaroni, who BTW is almost back to normal after just a week after surgery. I have another dog covered by VPI which is schedule based rather than % and it takes much longer for the claims to be processed and in an expensive market like NYC, it just does not make sense as the amount they will cover typically does not even come near the cost. If I had a claim of $100, I never knew if I would get $80 back or $8. She is too old to make the switch, unfortunately.
Insurer: Healthy Paws
By: Robby
So grateful for our excellent coverage
Embrace Pet Insurance is a cut above the rest. That's in part because they pay for the procedure your vet thinks is necessary, and pays the fee your vet charges — they don't have any pre-determined costs or limits on any procedure. They also pay for holistic care and physical therapy as long as it's veterinarian supervised, which is reasonable and even wise of them. Our AmStaff tore her cranial cruciate ligament in October, and we had planned to do TPLO after Thanksgiving, so we could be in town during her recovery. The vet thought that was okay, and Embrace pre-authorized her TPLO, meaning they can pay the vet directly, instead of having us put the $5,000 charge on our credit card. When I called for the pre-authorization, the phone representative recommended we do physical therapy in advance of surgery, just to make sure she stays strong and healthy while waiting for her surgery date. The vet-supervised PT was so much more thorough and professional than the other PT we'd been going to, so I was glad this was a requirement. It has worked out so well, in fact, that all the doctors have come to agree that our dog is healing without TPLO, and may not need surgery at all. Embrace has reimbursed us promptly for each PT appointment, including Adequan shots, hydrotherapy, acupuncture and laser treatments. It's just wonderful coverage, and I'm so glad we signed the dogs up with this coverage. I would highly recommend Embrace to anyone considering pet health insurance.
Insurer: Embrace
By: Judith