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Pet parents across the U.S. and Canada have left over 209,371 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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My experience has been very positive…
My experience has been overwhelmingly positive. Unfortunately, I had 3 incidents with my dog in a 2 month period. She is a 3 yr old mix that I rescued from what appears to have been a bad experience for her. The employees at Embrace have been exceptional and patience with me completing the necessary paperwork required for these incidents. The system is very easy to use and although I had to resubmit 1 set of documents (my issue) they were very patient with me. I would recommend Embrace to anyone wanting pet insurance.
Insurer: Embrace
By: Sue Baltimore
The ease of submitting claims is great
The ease of submitting claims is great! But if you have questions, help is only a phone call away… Reimbursement usually comes fairly fast as well…. Sure sets my mind at ease knowing my fur babies are covered by this amazing pet insurance
Insurer: Embrace
By: Denise Bigelow
I have been using Embrace for several…
I have been using Embrace for several years. It's much easier to use and my claims get processed a lot quicker. I feel like their user platform is much easier the past year. Thank you!
Insurer: Embrace
By: Susana Rios
Terrible Service
I applied for pet insurance and still have not heard back regarding my review for approval. However, you have already taken the money out of my account. I had to call to find out that my dog was approved for the policy; however, the policy did not meet my needs. As a result, I have canceled my policy. I'm extremely disappointed in Nationwide services.
Insurer: Nationwide
By: Stephanie Gaines
I transferred my pets to spot insurance…
I transferred my pets to spot insurance and very happy to say I am glad I did. They are very quick to respond in a positive manner.
Insurer: Spot
By: Sandra Keller
Horrible service and denial of coverage
I write this review one day after leaving a positive review for Alicia. I have been a customer since 2020 and submitted my first claim ever within the last week for my dog. Vet records going back to 2020 place a "note" on his chart 2 days before his waiting period ended that now led to a denial of the claim. Had I not sent the records from 2020 (which I barely remembered existed), would the claim have been approved in its absence? 2020 was a crazy time period for people and I got my dog in to see the vet when I could. To now see that for my first claim (mind you it's >$1,000) it is denied, it all feels very nitpicky for a time period where rules sort of went out the window with a focus on health and wellbeing. But not for Fetch. To me, this is not why I pay for Fetch and ultimately is the reason I just ended my policy. Also, rate increases have been unruly and to pay for another year of coverage when things would likely be noted as "preexisting" anyways, I might as well pay for the work my dog needs out of pocket and then he will have a clean bill of health with respect to that part of his body and another insurance company will not mark it as a preexisting condition like Fetch did. Such a shame and unkind business practice. (This was for mid-January 2025). To reply to the response from Fetch, one of my main frustrations is that I provided additional medical records after you all requested them. These records were from early 2020, and while on the phone with your representative, she told me clearly that many customers did not have records from that timeframe because of Covid and that it was acceptable if those records were unavailable. Rather than be lazy, I found the records and sent them to you all and they ended up aligning with the waiting period. If I had, like other customers likely did, provided no records for the Covid timeframe in 2020, it sounds like my claim would not have had standing to be denied. That’s my frustration. I went above and beyond to care for my pet, during a health crisis, and to provide those records to you all, and that’s now the basis for the denial.
Insurer: Fetch
By: Phil H
A huge scam and get ready for games
The amount of claims they pay adds up to less than 10% of the premium you pay each year. So why would anyone pay them all this money to still cover 90% of their own expenses and what have $600+ a year burning a hole in their pocket?
Insurer: Pets Best
By: Mike
Research carefully
Please research carefully before selecting this company. I don't object to their nonpayment of claims. They appear to select any reason to not pay a claim. Not only did I have to endure the trauma of burying her, here are two distressing excerpts from their response to my euthanazia claim. 'This condition and any related conditions or clinical signs would be eligible for coverage in the future provided your pet remains free of signs/symptoms/treatment for a full 12 months from the most recent occurrence'. 'As such, these and any future masses (including cancer) would be excluded from coverage by the policy.'
Insurer: Embrace
By: Peter Murdock