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Pet parents across the U.S. and Canada have left over 221,653 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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Embrace Review
Well, this is complicated. I had both my dogs with Trupanion for several years and only filed one broken tooth claim. They do not cover as much as Embrace so I switched insurance companies and added my 6 cats, so I have policies on all 8 pets. I have had to make claims now on a couple of pets and the process is long, especially the 1st claim as they do a deep dive into history looking for any evidence of pre-existing conditions. Any little mention gets flagged (like pink tinged fur on a foot excludes any dermatological condition for 12 months) Samson broke out is bad hives from a supplement given to him, it was not covered because of that pink-tinged fur possibly being dermatitis. (it wasn't, or I would have had him looked at for it) But overall, after a couple of claims under my belt, Embrace seems to be as good as any? They do cover more, so there's that.
Insurer: Embrace
By: MRS DEBBY ICIDE
Embrace eats and leaves no crumbs
Embrace’s policies are easy to understand and they don’t try to wriggle out of a claim. My most recent claim was processed and deposited in my account in under 7 days. Couldn’t be more pleased.
Insurer: Embrace
By: Angela
Extremely easy to submit a claim
Extremely easy to submit a claim
Insurer: Embrace
By: Suzanne Pichler
Easy experience
Found out my fur baby girl had a mast cell tumor. Had to have it removed and starr seeing an oncologist. Uploaded my invoices and was reimbursed within a week or so. Very easy experience!
Insurer: Embrace
By: Michelle Turchi
You and your underwriters suck
You and your underwriters suck! I got my previous dog bandit your insurance when he was 7 years old. I was happy with the plan and had no complaints. I called for insurance on my dog Jesse who is 6 years old. They won’t cover him due to his age. That’s absurd! You suck!
Insurer: Embrace
By: Janet Pearson
I am pleased with the completion of 4…
I am pleased with the completion of 4 of my claims. There is still one outstanding that I have sent everything's about that claim to you. Copper came to me as a tiny 8 week old puppy. He has never had any medical issues until this year which you have received the total information. Margaret Mauldin.
Insurer: Spot
By: Margaret Mauldin
Very understanding and empathized.
Very understanding and empathized.
Insurer: Embrace
By: Rowena Downing
The agent answered quickly and was able…
The agent answered quickly and was able to help me right away. He reset my email for me.
Insurer: Embrace
By: Robert Greenawalt
Terrible experience
Terrible experience. They denied every claim stating it is a pre existing condition or not covered. Don’t bother wasting your money with Embrace.
Insurer: Embrace
By: Kaleh LeDoux
Spot is easy to use
Spot is easy to use, timely and well run. They are the best pet insurance out there.
Insurer: Spot
By: Perpetua Phillips