217,411+ Pet Insurance Reviews You Can Trust
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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Compassionate Care and Full Coverage
We recently lost all three of our pets (2 cats and a Newfoundland dog) over the stretch of 6 months. Embrace was incredibly supportive covering nearly all our expenses and being most compassionate during this very difficult time. We highly recommend them.
Insurer: Embrace
By: Thomas Macpherson
I absolutely love Pets Best!
I absolutely love Pets Best and I have recommended them to all of my friends and family. They respond to claims quickly and in a timely manner and communicate any delays. I have used their Whiskerdocs as well which was very helpful.
Insurer: Pets Best
By: Michelle
Overall pleased
Embrace pays claims in an orderly manner ONCE they understand the information given them. They repeatedly asked for a diagnosis from my vet and me when the information was already given. Their Customer Service was very professional, polite and helpful once I got through. Overall, they are good but need to work on their review of the claims submitted.
Insurer: Embrace
By: DiAnna
Going thru an appeal on a claim
Going thru an appeal on a claim. Was shocked to also learn that because I called my vet months ago- embrace retriggered a pre-existing condition. For another year.. even thought we’ve had NO issues for 15 months.
Insurer: Embrace
By: Patricia Mahanti
Website is very easy to use and quick to address claims
Website is easy to use and it's quick to address a claim with upload a simple matter from a PDF scan.
Insurer: Embrace
By: Robert Schlitzer
The process takes months for results…
The process takes months for results and I had to resubmit and do appeal claims, which was a hassle. It has been a stressful process working with Pets Best.
Insurer: Pets Best
By: Cindy Zhou
Prompt response
Prompt response! User friendly submission of claims.
Insurer: Spot
By: customer
Friendly, helpful and easy to work with!
We enrolled our Black Lab in Spot a year ago, and they have been great. I've had to file a couple of claims, and they've always been processed smoothly, effectively, and covered as per the plan. Whenever I have had to contact the team directly, they are very friendly and helpful!
Insurer: Spot
By: customer
Embrace offers good products, but one needs to be diligent about how claims adjusters process claims.
Embrace offers good products, but one has to stay alert to make sure they reimburse for qualified services. It seems that claims adjusters make arbitrary decisions about whether to pay or not. I submitted a claim to use wellness rewards for my pet’s recent annual physical. The adjuster changed my claim to an accident/illness insurance claim and initially didn’t cover anything and said my claim amount would pay toward the annual insurance deductible ( there is no deductible for wellness (preventative health services.) I disputed this and the adjuster changed the decision and covered my claim in full. It was a straight forward wellness claim that took over a week to resolve. One has to know the Embrace policies and be diligent about how they process your claims. My premium just went up by $50 per month, with no explanation, so I need to contact them again about this. I’ve read that they increase premiums as the pet ages, and my cat is 8 years old, which is not that old for a healthy, spayed indoor cat. I may not keep this insurance, and am currently considering decreasing coverage at the very least. I mainly took out this insurance because it offers dental insurance for my younger cat that has chronic dental issues.
Insurer: Embrace
By: Jackie Colaizy
Pets Best is Pets Worst
I'm a new customer. My dog had an accident and required some minor covered care. I submitted the claim and documentation. I received three emails apologizing for the delay (over 45 days) and claiming they were waiting for my dog's medical record from the vet. This is totally false. The health record from my vet was uploaded and added to my file the day I joined. The claim was denied. I cancelled my coverage.
Insurer: Pets Best
By: Thomas