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Pet parents across the U.S. and Canada have left over 209,630 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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Profoundly dissappointed with the…
Profoundly dissappointed with the claims I have filed now over 2 months ago. Learned that Embrace was needing clarification from my Vet. I called Smiths Vetinary Hospital in Santa Fe, which is a reputable and well know long time vetinary. I let them know that Embrace had sent requests to them and they had not responded. While I was on the phone with Smiths, they emailed my felines entire medical records 3 weeks ago. USAA should reconsider who they recommend. I regret having dropped Nationwide Pet Insurance.
Insurer: Embrace
By: Jim Martinez
Broken claims system online
Ashley was very hekpful and sent me the information to submit my clain manually, but the claim forms will not open (get and OOPS from Embrace online) and I still cannot add a pet to my current claim online - please have your tech folks look into that!
Insurer: Embrace
By: Roxie Clements
My cat had a emergency event and had to…
My cat had a emergency event and had to take to animal hospital. I filed a claim and at first thought I was getting the run around for reimbursement not knowing how pet insurance worked. Well it took 2 months with all documentation as a first time claim. I am happy to say that embrace lived up to it's promise and paid the claim. Thank you very much for your service.
Insurer: Embrace
By: Clifford Reep
Live Vet 24/7 Chat Yay!
The customer service rep Stephanie was very thorough in explaining how Prudent Pet operates. She answered every question down to the last detail. I love the fact that Prudent offers a portal to chat with a live veterinarian. This was a huge factor in choosing a pet insurance company. It's kind of like an extra guardian angel sitting on the shoulder of my pets (2 cats Charlie & Nicky) and that makes me feel a bit more secure should an emergency situation arise. I also feel the cost of the policy is amiable. Not too expensive and not too cheap. I am hoping this company is a good fit for me, Charlie and Nick. Laura, Pittsburgh, Pennsylvania
Insurer: Prudent Pet
By: Laura Williams
Once I set up our account
Once I set up our account, I had a few questions regarding the required medical records. Our dog, Sadie, is a 7 year old rescue with no medical history prior to being picked up as a stray a few months ago. Using Fetch's chat line, Emmalee helped me verify what's needed and made a few notes so, hopefully, make things a bit smoother if / when we make a claim. Also, love the direct deposit option, too. Thanks,
Insurer: Fetch Canada
By: Dennis+T
Claims go towards deductible
I have 2 french bulldogs. I like that the little stuff goes towards the deductible incase something serious should happen.
Always a pleasure utilizing the Embrace…
Always a pleasure utilizing the Embrace claims process. Also, I wanted to thank Charles for patiently explaining the Wellness Benefit Coverage to me today. I didn’t realize just how comprehensive the coverage is - from annual physicals to grooming to flea & tick meds to heart worm meds.
Insurer: Embrace
By: Paul Maloy
Just renewed our policy
Just renewed our policy! Very happy with Embrace!
Insurer: Embrace
By: Victoria Lynn Berdnik-Atkinson
so far so great
so far so great. we are new to Spot and loving it thus far. thank you!
Insurer: Spot
By: Theresa Wilde
I initially signed up for Embrace Pet…
I initially signed up for Embrace Pet Insurance, starting with a monthly of $37, which later increased to an astonishing $178 per month. I wanted peace of mind, knowing that my dog would be covered in case of a serious illness. Unfortunately, when the time came to file a claim, Embrace denied it, citing a “pre-existing condition.” My dog was healthy at the time I purchased the policy, which my veterinarian can confirm, yet Embrace insists that her later-diagnosed tumors are connected to a condition supposedly present before coverage, without providing any concrete evidence. Based on numerous previous reviews, it seems I’m not alone in this experience. Embrace appears to use the same “pre-existing condition” reasoning to deny many claims, raising serious concerns about the fairness and transparency of their insurance practices. My dog is no longer with us, yet I still have to deal with this, and it deeply upsets me. Embrace, please don’t waste time responding to this review if it’s only to add yet another standard paragraph about my pet’s “pre-existing condition.” The pattern is clear.
Insurer: Embrace
By: Rimma Engulatova