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Pet parents across the U.S. and Canada have left over 224,929 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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This company doubled my premiums from…
This company doubled my premiums from $90/mo to $190 for my two YOUNG healthy dogs in one year. I have never submitted a claim. One dog is NOW 3.... was just 2 when the premium was doubled, and the other is 5. They are Tibetan Spaniels who are not prone to health problems. No actuary table would show this as a legitimate cost increase, and I got better coverage for $91/mo elsewhere.
Insurer: Embrace
By: Connie Casper-Hewitt
Quick and easy to use
The process for submitting claims is simple and whoever is processing them, explains what is covered/not if there is an issue. They are quick to reimburse too.
Insurer: Embrace
By: Shannon
So far so good.
They make it quite easy to file a claim. It does take a bit long to get results. But happy with the results.
Insurer: Fetch
By: Patricia
Great customer service
Great customer service. Fast claim processing.
Insurer: Spot
By: Jamie Jacobs
Sadly, they are no different than any other insurance company….
The problem with this company is they wait until you file a claim to tell you what they will and will not cover. Some of the things they will not cover, based on their initial review, are things you would never expect them not to cover. They said they would pay less than 25% of my first filed claim. I say it that way because they have claimed they initiated a payment. I have not received a payment. I have also not received a response to my inquiry about the payment, and this was almost two weeks ago. Like most insurance companies, this one will find ways to avoid payment after months of collecting money from the working class. The whole point of this plan was to HELP. It has cost me more money than if I had just paid my bill out of pocket. Stay away,
Insurer: Embrace
By: Autumn
Easy claim filing and quick turnaround…
Easy claim filing and quick turnaround for reimbursement.
Insurer: Spot
By: Ann Adams
Always easy to work with
Always easy to find what I need on the site. Easy to submit claims and follow through with the claim process. When a question does arise, easy to contact and have questions answered.
Insurer: Spot
By: Michelle W
Easy to submit claim and quick response.
Easy to submit claim and quick response.
Insurer: Spot
By: customer
If I could give this a zero star…
If I could give this a zero star review, I would. Have been with Embrace for @ 12 years and never have I had an issue with them. I was told, (not documented by Embrace) that my renewal premium would be @ $985. What to my surprise and wondering eyes did I see but a charge to my credit card of $1449.00! I never received their renewal quote, nor was the renewal premium what I was told. But they have you over a barrel since my pup has a pre-exisiting condition which would not be covered by other plans. So I either don't have him treated for a year and let him suffer (would never do that) or pay all the expenses out of pocket OR renew with Embrace which I was forced to do.
Insurer: Embrace
By: Diane