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Pet parents across the U.S. and Canada have left over 223,831 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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Submitting a claim is easy
Submitting a claim is easy. Only took a few minutes.
Insurer: Embrace
By: Warren Ray
Fetch Pet insurance jacked my rates up over 50% for using my policy
I have had Fetch for a year and my renewal is coming up. I had claims for the first year that equaled less than 50% of the allowable amount that they will pay out when I received the renewal quote, my dog is only 2 years old. And they are jacking up my premium by around 58%. I'm OUT. I will say for the honeymoon first year they were great, claims processed in a timely manner. But, Buyer Beware, use it and they'll make you PAY.
Insurer: Fetch
By: One And Done
Sometimes I get frustrated with…
Sometimes I get frustrated with insurance companies. Embrace is very responsive and patient especially when I call them. They seem to always have time to explain the claim in process.
Insurer: Embrace
By: Doug Carter
Find another insurer
Again - I give them 1 star only because I cannot give negative. They will respond here saying how sorry they are for me for my loss and how they care. THEY DON'T! Embrace denied euthanize claim based on my 15 year dog had a growth/wart and also had a tumor. They really claimed that a skin wart is a pre-existing condition for an internal tumor. I kid you not. They will take your monthly premiums and NOT pay any claims. My dog went fast - within 3 weeks from getting sick to passing. 3 Claims - all denied for "Pre-existing" issues. They will stretch and patch whatever they want and deny any claim for any reason. No they don't care about you like they will respond they do. Stay away from Embrace.. Trust me.. they care about money and not your pet or you. WARNING - EMBRACE denies claims if your dog's nose is "wet". Yes you are reading this correctly. Had to put my dog down of 15 years and EMBRACE denies the claim because my dog had "a cold and wet nose". Now - all dogs have cold and wet noses and 2 months prior to his passing the vet noted it and that it was a good thing. YET - Embrace denies the claim with a stretch link that a wet nose is a pre-existing condition causing the demise of any dog. I KID YOU NOT! DO NOT USE EMBRACE - EVER!!!!!
Insurer: Embrace
By: Matthew Rossi Rossi
Jennifer was very helpful in figuring…
Jennifer was very helpful in figuring out our new premium and helping us with our AARP discount.
Insurer: Fetch
By: Edward Woods
Great experience with Embrace.
Great experience with Embrace.
Insurer: Embrace
By: Anthony Hale
Completely unhelpful
Completely unhelpful, insensitive and useless. Did not help my cat at all in a serious condition.
Insurer: Healthy Paws
By: Emily Jones
Keep looking elsewhere for insurance
There’s no reason why a claim should take over 6 months to process. There’s no reason why there should’ve been zero movement on a claim for over a 6 month period where reps of embrace just abandon the claim and leave clients high and dry. There’s no reason why I as the paying customer should be doing the representatives jobs and contacting all of these clinics myself to gather medical records that they’re suppose to retrieve. My claim sat for over 6 months because my rep didn’t want to pick up the phone and contact the clinic my dogs rescue brought him to before we adopted him. It took me 3 minutes on the phone to gather the information that they couldn’t gather between the time of June to January. My wife and I will be exploring new pet insurance from a different company.
Insurer: Embrace
By: Matthew Ordazzo