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Pet parents across the U.S. and Canada have left over 218,948 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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Customer service is specific to your area code
So far our experience has been good. If you are from Ontario with a Quebec area code, you will be transferred to an Ontario rep. Unfortunately, they will not be able to help you and you will have to wait again on hold for help once they transfer you.
Insurer: Spot Canada
By: Andrew Petherick
We filed a claim and everything went…
We filed a claim and everything went smoothly. After our deductible we received a check that covered the charges. All in all, I am very satisfied with Embrace.
Insurer: Embrace
By: Frances
Great Customer Service Over Phone
I always get amazing customer service when I call in for help. They’re always fast and efficient.
Insurer: Sonnet
By: Derek
Filed a claim
Filed a claim, got paid! That's how it should work.
Insurer: Pets Best
By: Mark Tracy
Very reliable company
Very reliable company, great customer service and almost instantly received my money back, thank you spot.
Insurer: Spot Canada
By: Elie Benyammine
If I could give spot a zero
If I could give spot a zero, that would make more sense. I have used this company for years and have not had an issue until recently. I am very irritated that I have had to waste my time for 2 months calling, emailing Spot and my vet to sort out a basic annual visit claim, which is still not completed. Everytime I get the same answers and they will look in to it. Shame on them for not going through what is rightly promised and should be paid for in the contract. They have failed. As a consumer who pays a monthly cost of $82 I would expect better. I simply asking for my cats annual visist to be covered. In the contract it states I will recieve reimbursement for these specific items but spot doesn't like how the vet presented the information - a bundled cost, lab results, and exam note from the day which confirms what has been completed. I will be taking my buisness elsewhere and you should too. There is no needed to be treated like this, especially when I annualy pay $984. Is it too much to ask to recieve compensation of $25 for lab tests? Clearly it is with this company. 11/14/24 Spot has since resolved this issue after 2 months of phone and email.
Insurer: Spot
By: H. Thomas
Love Spot Pet Insurance!
I only ever had one issue with a claim that was easily resolved and I didn't have to call in, I'm able to message them straight from my client portal. Super helpful and less time consuming!
Insurer: Spot Canada
By: Agnes Docherty
Quick and easy claim process!
Based on our past experiences and years of association with Embrace, we were at ease knowing our family member (Lhasa) could receive the care needed. Thanks Embrace! The claim process and payment were expedited and hassle free.
Insurer: Embrace
By: Leo Ruan
Price went up significantly
Price went up significantly, with having 3 dogs, you would think you would treat your loyal customers a little better. Will be researching other insurance companies.
Insurer: Spot Canada
By: Emily