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Pet parents across the U.S. and Canada have left over 217,411 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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Terrible
Terrible. People with zero medical knowledge are following a vague flow chart that is divorced from reality. An allergy will prevent your pet from getting reimbursement for ANYTHING because they are "secondary symptoms." Giardia is NOT a symptom of an allergy. Simply garbage. Cancelling coverage now.
Insurer: ASPCA
By: Baloo The Bear
Deny Deny Deny
Fetch denied medical coverage due to lack of documentation requirement that is found on one sentence of a 36-page claim document. Even though my pet had no pre-existing medical conditions - Fetch denied the claim and was delinquent in providing updates about their review process claiming several 'truths' such as claim documentation takes up to a week to upload and it takes several days to review, etc. I wasted over a thousand dollars on a policy and hours on the phone chasing an insurance company and trying to convince them to do the right thing to no avail. --------------- In response to the reply from Fetch - I believe your understanding of our situation is inaccurate which isn't surprising considering I receive conflicting information from Fetch regularly. Here are the facts: My pre-authorization for coverage was for the leg not previously injured and surgically repaired which Fetch also denied, but as it was pre-existing I did not dispute that conclusion. What was very disappointing to learn was the other leg was not covered despite having medical evidence from the veterinarian that it was in good health both at the inception of the policy but also at the 30-day mark of the policy when there was an expectation for us to provide 'a certificate of knee health' to indicate there was no pre-existing condition of that leg. Fetch decided that because that exam and 'certificate' wasn't provided to them in the first 30 days - they would stand on that very specific and shaky ground to leverage the opportunity to deny coverage suggesting they place higher value on profitability vs. customer experience and/or pet health. The choice to do the right thing was simple - yet it wasn't taken so I am offended at any communication from Fetch which indicates sympathy. If Fetch was sympathetic or empathetic to our situation they could make the choice to cover a 'certified' healthy knee that was healthy for the first 6 months of the policy (the entirety of the waiting period). Instead they chose to bow out because the notation of health occurred on day 60 vs. 30. Even though we all know that if the knee was healthy on day 60 it was certainly healthy on day 30. If you're truly sorry then cover the claim or just refund me the money I've wasted on this policy so I can try to cover these medical expenses myself.
Insurer: Fetch
By: Mark Alan Norton
Claim Filling
I have not even started writing the review and I already received an email stating they received my two claims! Something that I really enjoy is the ease of submitting a claim. The only thing I don't care for completing is stating the purpose of the claim even that is a drop down menu. It only have certain medical terms versus all the terms so when you copy and paste whatever the doctor's office wrote it shows something closely related to what the doctor wrote. I had to pick wellness because it mentioned spade and one claim was the pre ops checks and then the Ovariohysterectomy (spade I guess). :-) Besides this, it is pretty simple!
Insurer: Embrace
By: Coastie
Their customer service is superb
Their customer service is superb. The only negative thing I can say about the company is that as the pet gets older the premiums become prohibitively high. But they always reimburse on a timely basis and their customer service is great, the best around.
Insurer: Embrace
By: Margaret Willis
Cancer treatment and follow up.
My cat was diagnosed for brain cancer and was treated about 3 months ago. The diagnosis process was long and difficult, and the treatment took 5 weeks after that. Pets Best was great the entire way. I recently took him for a follow up exam and tests. All results were great and he is doing well, and pets best had processed my claim and issued a payment within a week of my submitting the claim. It was a great experience. If it wasn't for pets best, I wouldn't have a happy healthy kitty at home who is able to enjoy life.
Insurer: Pets Best
By: Alex
GREAT BENEFIT… After years of paying premiums this…
After years of paying premiums this company ran me through the ringer to get reimbursed for an emergency room visit that ended in euthanasing our pet. I’ve had 2 claims both were eventually approved but not for over a mont until I did all the leg work collecting vet paperwork. GREAT BENEFIT has nothing on them
Insurer: Embrace
By: Phil Moore
Very Helpful
Great service very knowledgeable customer service.
Insurer: Embrace
By: John Tindall
EXTREMELY easy to get an online quote…
EXTREMELY easy to get an online quote and customize the policy. It also helped with the experience saving a whopping 80% on our home insurance and 30% on our auto insurance with EXACTLY the same coverages!! And they are rock solid being part of Definity Financial (Economical Insurance). We are happy bordering on ecstatic!!
Insurer: Sonnet
By: David And Karen
Spot "Family" is heartless and worthless
We recently switched to Spot Pet Insurance from a different insurance logo owned by the same company - Independence Pet Holdings - because Spot offered an affordable monthly premium for our middle-aged beagle. All of Spot's customer service initially seemed warm and inviting. Turns out they are just as heartless as you would expect from any private equity-owned insurance company who is just looking to make money off of careful pet owners. Just like many other pet insurers do, Spot Pet Insurance promptly denied our first claim we submitted as a pre-existing condition, but in this case, we have been paying premiums for years to Hartville, which is literally part of the same company that reports to the same CEO and has the same insurance underwriter - Independence Pet Holdings. So even though this company has been paid by us for years, and even though we have no diagnosis for our dog yet, Spot promptly wrote us off as having a pre-existing condition without further ado. Truly so frustrating when you are just trying to do the right thing and seek insurance for your family member. We are now canceling our policy and going the route of a savings account for pet costs.
Insurer: Spot
By: Sara
One of the best insurance providers
One of the best insurance providers. No hassles. Everything is straight forward.
Insurer: Embrace
By: Dayaker Rangineni