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Pet parents across the U.S. and Canada have left over 207,041 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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Thank You Embrace!
We are the owner's of Annie, a beautiful 3 1/2 year old Golden Retriever. We have owned a number of Goldens but had never taken out pet insurance. After extensive study of the many offerings on the market, we chose Embrace because of their extensive coverage including hip displacia, a common ailment with Goldens. Since then, we've had a number of claims (no displacia!), all of which have been more than satisfactorily resolved by Embrace. Their response time is quick (usually within 48 hours of receipt of notice from our vet) and always with a complete explanation. Further, in our communications, there is a personal touch. They like animals! Most recently, Annie suffered an accidental tear of her ACL necessitating surgery and a long recovery. The total cost ran into several thousand dollars. She is still under doctor's care but Embrace has already reimbursed us for our claims. Our vet tells us that most of their customers complain bitterly about the treatment they receive from their insurance companies. They marvel at the positive response we've received from Embrace. We are so grateful to have this coverage and unreservedly recommend Embrace to anyone looking for pet insurance. Sharon and Larry Sargent
Insurer: Embrace
By: Sharon/Larry
no thanks
even though my dog was diagnosed with diabetes in august (which was after my 2 week waiting period) they denied the claim because he has a pre-existing kidney issue that has absolutely nothing to do with his diabetes. Insurance is the same all the way around.....Its all a scam. Thanks for wasting my money and time.
Insurer: Pets Best
By: stacey
Best of the lot!!
I too have changed over from VPI insurance. I guess VPI uses the money they save on reimbursement to advertise and so they are well known.My older dog was covered under VPI and I was very disappointed with the reimbursements. I'm sure had I just started a savings with my policy payments I would have come out ahead! After putting my first dog down. (She was very old)I got a new puppy. We got her from a shelter at 8 weeks and 2 days from getting her she came down with parvo. Fortunately, the shelter fee included a 30 day policy for shelter dogs. Her treatment was mostly covered. I had already signed up for Embrace before she came down with Parvo but was still in the waiting period. She now has some periodic bouts with GI bacterial imbalances and I have used the embrace policy to cover her vet visits. Everyone at embrace has been so wonderful. The communication is great. They send an email when they get the claim, when they process the claim and also when they send the payment. With VPI I had to hunt them down and usually call several times to get answers to my questions. Bottom line is the payments back are better then the others!! I tell all my friends to get embrace!
Insurer: Embrace
By: Eileen
Very good insurance
Having pet insurance is very important to provide peace of mind regarding veterinary expenses. I have been very pleased with the service provided by the Hartville group and it has saved significant out of pocket expenses. I have it for all 3 of my dogs and the variety of plans offered provides the flexibility that pet owners need.
Insurer: ASPCA
By: Philip
Rare diagnosis for a young dog, our CJ
As we face a rare lymphoma diagnosis in our 2 year old German Shepherd Dog, the immediate response by Embrace Insurance to our claim at least made the very difficult and sad situation one where we did not have to fight for reimbursement. Embrace Pet Insurance was extremely prompt. I am very thankful for the service as well as the coverage, though I would prefer never having to use it!
Insurer: Embrace
By: The
Petshealth is there for my pets!
After one of my two cats got really sick and had to stay at the vet’s office for three days, I was shocked at the amount I had to pay at the end of the treatment. I started to think about what I would have done if one of my ‘fur kids’ would have to stay at the vets place even longer, and if I would ever have to face the horrible choice to have to end my pets life simply because I could not afford the treatment any more. With that in mind I started searching for an insurance company that would help me pay my vets bills. And when I found Petshealth and signed up nearly five years ago, I was simply delighted at how easy they make it to file claims through mail, email or even online and get part of your money back. Petshealth has helped me out in every way! And they even have friendly and knowledgable customer service reps. I would highly recommend them.
Insurer: ASPCA
By: Christa
The best pet insurance
I am new to Embrace. I was hesitant to purchase pet insurance because I had a bad experience with a competitor, VPI. I signed up for insurance and routine wellness benefits on October 15 with Embrace. My Malti-Poo had a wellness exam on October 18. I faxed the claim for wellness benefits on the 18th and have already received notice that the refund has been approved. There is no set schedule to follow for wellness benefits. This is very unique! Their customer service is amazing and far superior! I am very glad I made the decision to select Embrace. I wish I knew of their existence sooner.
Insurer: Embrace
By: Brenda
Fantastic service!
My dog has a better insurance company than I have! The website is very easy to navigate. I love the paperless process and resources. This is a great business model and you are doing a great job. Very quick turnaround on claims and the direct deposit reimbursement is fantastic. Thank you.
Insurer: Pets Best
By: Maya
Excellent claim service
I submitted wellness claims for my three dogs and within a week have my refund. Excellent customer service.
Insurer: Embrace
By: Marge
Dont Get Trupanion Insurance
" Definetelly Don't get this insurance !!! Trupanion, They Promisse everthing and then they found whatever details possible to denied your claim. They ask me to go to toby vet and get the last 2 years record and send to them by mail to process the claim, and now i understand what are the intentions, find something to excuse denied ...the claim.I put my lawyer to work with them, thanks god i dont need this money to eat!!! See More
Insurer: Trupanion Canada
By: Marcelo