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Pet parents across the U.S. and Canada have left over 221,036 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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Veronica went way Beyond to help me, thank you!
The first female and then male I spoke to this afternoon didn't help me, yet the third woman- I think her name was Veronica helped me immensely and was so helpful and knowledgeable that I don't need anyone to contact me on a few more questions that I had that Veronica with patience, knowledge, and kindness accomplished. I now know more of why my claim didn't yield as much money back having forgotten that the $250.00 deductible was paid and then a little more reimbursement was issued and also that usually urinalysis in the Wellness savings policy isn't covered. I was going to cancel my insurance but realized how silly that would be and very kind Veronica SO helped me while I was on the phone with her - she does deserve a raise! I am staying with the insurance I have and of course is wise to have for my Beautiful cat I SO Love. Thank you again Veronica and Embrace Pet Insurance! Sincerely, Kristi Brockman.
Insurer: Embrace
By: Kristi Brockman
Excellent coverage of our dogs
As first time users of pet insurance we weren’t sure what to expect when submitting a claim. We couldn’t be happier with the service we received. The app made submissions for both of our dogs veterinary claims easy. Highly recommend.
Insurer: MetLife
By: Paul
Great Service & Communication
So far Spot Pet Ins is extremely good. They have excellent communication and there claim processing is ideal. They paid my claim in a timely manner and directly into my bank account.
Insurer: Spot
By: Richard
Insurance does not apply for first 6 months
We got this insurance to protect our 3 year old lab because the cost was less and seemed like better coverage than what we had. After 5 months of payments at Pet's Best's top level plan, our dog tore her cruciate and couldn't walk. We took her to the local vet and had surgery done to fix her leg. Two months later (8 months total with insurance) we were denied reimbursement on the $8,000 we spent out of pocket because this very specific procedure is not covered until after 6 months. Yes, for 6 months you need to treat your pet like bubble boy (girl) and pray nothing serious happens. Also, as other reviewers have noted, the processing takes so long that we have now paid for 8 months of insurance that refuses to pay for anything because now it is all considered pre-existing. So the initial exam, procedure, and followups totaling around $10,000 are all out of pocket and not 1 cent has been reimbursed. Either make the deductible higher until 6 months or lock people in for extended terms if medical bills are high so the company can get their money back. They lost be as a customer for the life of my pet and I was dedicated to my old insurance for 18 years. I wish I never left because although I would have paid half of what it has cost me so far, at least it's something. Now I have all this debt on a 0% APR credit card so I can try to save some money but I know others may not be as fortunate. So don't bother using this company if your pet is old or has a history of anything. If you have a puppy with no history, you may have a chance but they may say your puppy's condition is pre-exieting from when they were in the womb.
Insurer: Pets Best
By: Robert C
Great company and insurance
Embrace has always been fair and paid out claims within a few days. I have been very happy with my experience.
Insurer: Embrace
By: Scott Koons
What makes up a health history review.
I am new to this system and I am old enough to remember when registration wasn’t done elect. So getting my dog and the vet offices signed up was very frustrating because for the first month I couldn’t get a call back or talk to someone who knew what they were doing and could help me on line. That was three months ago and now I am trying to get the claims approved. Submitting the claims was extremely easy and efficient. My issue is that I adopted my dog from a shelter that is several hundred miles away. The shelter picked him up off of the streets around Sept 9, 2023 and I adopted him through a local rescue around Sept 25, 2023. On June 29,2024 the waiting policy started and but on July 2nd my dog had an emergency visit at the vet’s office and since then has been seen numerous times at the vet’s office with a lot of tests done. I am sure my bills would add up to several thousand if I summed them up. In order to do their due diligence Embrace wants one year of prior health history but I don’t have that. Embrace keeps sending me emails saying that they can’t process my claims because there is no history from July 2, 2023 until Sept. 25, 2023. Also the Animal Shelter hasn’t responded to any requests that they submit the SOAP reports for the medical treatment during the four weeks that they had him. For the eleven months that I have had this dog (if you omit this current illness) he has only been to the vet’s office for neutering and vaccinations. Because of the missing 4weeks of SOAP they have placed a hold on all but one claim, for which they paid a total of $12.00. I have called Embrace several times and they keep telling me not to worry they have it documented. Yet I keep getting notices that they can’t process the claims because of the missing 4 weeks of health records. Earlier today Embrace sent me an email saying that they can’t process my claims and they will no longer contact the shelter for the records. If the missing health history was in the middle or the end of the one year time period I could understand their concern. But they have 10 months of history since I have owned this dog that documents that he doesn’t have some type of chronic reoccurring illness. They should either cancel my insurance and refund the premiums that I have paid (less the $12) or give us a waiver for the missing 4 weeks.
Insurer: Embrace
By: Gail R Rudow
Very simple submission process!
Long standing client and glad to know that Embrace is there to cover most of my costs to keep Sheba healthy and well! She is doing great at 9.5 years old!
Insurer: Embrace
By: George Selekman
Its an honest company.
So far I am ok with the company I just wish they offered more time for grooming & food for my dog! I have to be truthful. I have been looking into other pet insurance. I want to see if i can get a better deal!
Insurer: Embrace
By: Dorothy Cunzo
compassion
compassion. I had to make the dreadful call to cancel my insurance after my dog passed. They were so helpful and compassionate in the canceling of my account.
Insurer: Embrace
By: Leah
Long Wait :(
This was my 1st experience with both a pet insurance & a claim. From what I understand from looking at other pet insurances, it is very common to take a month or even over a month to secure a payment. This was the case with Embrace, which, less the deductible, is the standard & which I was expecting. Would be nice if it could come a little faster, but I understand. Otherwise, I'm happy with the results! :) As far as dealing directly with the people at Embrace, they were all very knowledgeable & helpful.
Insurer: Embrace
By: Linda D Hutchins