222,670+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 222,670 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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I feel it's necessary to adjust my original review (below for reference). While I will be forever grateful to Embrace for covering my dog as mentioned below during her Pancreatitis diagnosis, the customer service didn't last. A few months later my other dog was severely limping so I took him to the vet. He has a luxating patella which was a pre-existing condition so I knew that if this was the cause of the limping it wouldn't be covered. The vet thought his limping was caused by a torn ligament and not his patella. We did the necessary x-rays to be sure and she was right. So I submitted the claim to Embrace. They promptly denied the claim do to "hind limb lameness being a temporary pre-existing condition". I immediately called and explained the lameness (limping) wasn't due to his existing condition. It didn't matter. Because he limped prior to coverage he had to be limp free for 12 consecutive months. This is ridiculous there are MANY reasons a dog could be limping and to not cover a legitimate medical issue because the dog limped once upon a time is silly. I shopped around for new insurance and found a much better plan thru my employer and canceled the plan with Embrace immediately. Do yourself a favor and look at ALL options available before signing up with this company. I've never had to use pet insurance before, but I'm so glad I had it. My dog was diagnosed with pancreatitis and spent a week in and out of the hospital. Embrace covered everything as promised, all claims were paid quickly, and the representatives had great communication along the way. I highly recommend this company!
Insurer: Embrace
By: Meaghan Spencer
Great company.
Great company! Easy to get a hold of a human being if you have questions. When my dog passed they sent me a card made with wild flowers to plant in her memory. It was very sweet. Submitting a claim is fairly easy and the return is pretty quick too. I wish they were cheaper but everything is expensive now a days. I will never not have insurance ever they are a blessing.
Insurer: Embrace
By: Bonnie Roberts
Terrible Experience
Terrible Experience – Avoid at All Costs! I signed up for Embrace Pet Insurance thinking it would give me peace of mind, but instead, it’s been a nightmare. For five months, they charged my credit card without ever reviewing my pet’s health history. Then, when I finally submitted a claim, they denied it due to "pre-existing conditions"—conditions they never even asked about when I enrolled! How can an insurance company take your money for months without verifying coverage eligibility? It feels like a scam—they happily collect premiums but refuse to pay out when you actually need them. The worst part? Their customer service was dismissive and unhelpful when I tried to resolve the issue. If you’re looking for real pet insurance that actually covers your pet, look elsewhere. Embrace will take your money and leave you high and dry when it matters most. Waste of time and money.
Insurer: Embrace
By: Irving Gonzalez
Ease and responsiveness with claims
Pets Best has been timely in their reimbursement of claims and thorough in their explanations. I am very pleased!
Insurer: Pets Best
By: Janie
The annual limit is too low
The annual limit is too low. Im unable to get my full reimbursement for my dogs surgery. :( but they do a great job completing claims in a timely manner.
Insurer: Spot
By: Beth K
Simple to submit claim and payment made…
Simple to submit claim and payment made really quickly. Thank you!
Insurer: Spot
By: Sunie Ver Duft
Everyone I talk to is so helpful
Everyone I talk to is so helpful. I really appreciate the easy process for submitting claims and the process for reimbursement when appropriate. Thanks Embrace Pet Insurance.
Insurer: Embrace
By: Cynthia Camberg
Excellent service and very friendly!
This was my first experience buying pet insurance although I have owned many dogs in the past. I must confess I was a bit sceptical to start with, did a lot of research on the internet, reviewed and compared numerous insurance quotes for coverage, narrowed down my list to 3 recommended insurers and then I spoke to an agent at each of the 3 companies. I had a lot of questions and wanted to ensure I was comparing apples to apples and getting the right coverage for my pure bred 2 year old lab. While all the agents were helpful, I must say Carla Stevens of Fetch was excellent, very knowledgeable and extremely friendly. She patiently answered all of my numerous questions, was very knowledgeable not only about Fetch’s coverage but the other competitors, help me pick a coverage plan that was fairly comprehensive ($20k annual, 90% reimbursement and $300 deductible) and reasonably priced (if there is such a thing for pet insurance), was conscientious of my specific insurance needs (need coverage both in Canada and the US) and didn't try to up sell me on something I likely didn't need or use and seemed to genuinely care about my coverage concerns and my lab in general (even wanted pictures of my lab). While this is my first venture into the pet insurance world and time will be the test as to how things eventually will work out, I must say my first experience and initial impression with Fetch was extremely favourable. Thanks to Carla Stevens and Fetch. Very much appreciated.
Insurer: Fetch Canada
By: Michael Perkins
Peace of mind
Love. Embrace. We have been with them almost five years. Easy process. Quick payments. Thank you
Insurer: Embrace
By: Rochell Magliocco
Pets Best has always been there when we…
Pets Best has always been there when we have needed it. Filling a claim is super easy and so is getting reimbursed. My only advice is read your coverage well. Specialty things like physical therapy can be a bit tricky but overall great experience.
Insurer: Pets Best
By: Jennifer