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Pet parents across the U.S. and Canada have left over 207,034 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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PREDATORY PRACTICES: Embrace Ignores Specialist Evidence to Deny $6,638 ClaimDo not trust
They are using circular, junk-science logic to deny a $6,638 diagnostic claim for my cat’s bone-eroding pathology 。They claim a common runny nose from Feb 2025 is the same as 2026 Erosive Rhinitis。Their logic? Since I didn't perform a $6,000 CT scan for a minor sneeze a year ago, they can "assume" any future issue is pre-existing。This is an impossible standard of care.Even when a DACVIM Specialist clarified that the conditions are unrelated and the previous infection was never proven, Embrace refused to overturn the denial 。They are overriding a specialist’s medical diagnosis with their adjusters' speculation. Formal complaint filed with the California Department of Insurance.
Insurer: Embrace
By: Kyle Zheng
Very knowledgeable associate
Very knowledgeable associate, was patient and able to explain things in common language. Thank you
Insurer: Nationwide
By: customer Karla
We bought pet insurance for our 8 year…
We bought pet insurance for our 8 year old cat. MetLife refused to pay ANYTHING for our visit, due to a "pre-existing condition" of gastritis. They wouldn't pay for a routine lab panel for an elderly cat, fecal test, nothing. We paid over $900 for insurance, and got zero for this. I didn't trust they would ever pay for anything so we cancelled.
Insurer: MetLife
By: christa rybczynski
They were very helpful and made sure…
They were very helpful and made sure that all of my questions were answered.
Insurer: Prudent Pet
By: sheliaiveygmail.com
15 years of excellent service!
We have been with Embrace since 2011 when we adopted our first Lab mix. From the start, Embrace has been quick to cover every expense without any questions. Our first dog, died from a brain tumor and our current Lab mix from Houston, has had multiple health issues that have amounted to thousands of dollars! His primary vet calls him the million dollar dog! It has been reassuring to know that Embrace has supported our dogs' health every step of the way!
Insurer: Embrace
By: Kate
first time buyer of pet coverage
This is my first time purchasing pet coverages. I compared several companies for converges and pricing and I paid close attention to reviews and recommendations. Prudent Pet Insurance made the process very simple and when I order coverage, I reviewed one of the exclusions and Believed that I should have purchased that coverage originally and I reached out and they amended the policy without difficulty. Looking forward to a long-term relationship with this company.
Insurer: Prudent Pet
By: Dianne Bergemann
Was no warning for the $140 initial…
Was no warning for the $140 initial charge.
Insurer: Nationwide
By: customer
Best Decision!
It has been a hard year for us as pet parents. We lost one our sweet girls way too early and not 2 weeks later our other 2 got hit with a nasty upper respiratory infection. Pets Best has been absolutely wonderful! Filing my claims has been extremely easy and customer service is always kind and patient with my questions. When I had to call to remove our girl from the policy the rep was so compassionate, she made the process seamless and filled a hard moment with so much kindness. It's definitely a relief to have pet insurance but it's a blessing to have Pets Best!