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Pet parents across the U.S. and Canada have left over 222,291 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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Great company UNTIL they increase your premium over 40% in one year!!!!!
I have been a loyal and happy Embrace customer for 6+ years. I am very quick to recommend Embrace to any pet owners and I am constantly talking about the positive experiences I have had in my time being a customer. However, I am currently EXTREMELY disappointed. My policy just renewed and the premium increase was 40%! I’m almost paying double what I was last year. When I called to see what could be done for a loyal customer, the customer service reps were no help. I am now researching other pet insurance companies to find one that will value my loyalty and commitment to my pets.
Insurer: Embrace
By: AMANDA haughney
Newby to Spot Pet Insurance
As a newcomer to Spot I was not sure what to expect when I submitted an receipt from my vet. I was very please as to how quickly my claim was processed and payment direct deposited in my bank account.
Insurer: Spot
By: customer
New client
Just recently signed up and when we were on vacation, we had a big scare. Completing claims was so easy to do and I had no issues getting reimbursed, even being a new customer. So happy I signed up for insurance for my dog! I will never cancel this insurance!
Insurer: Spot
By: Krista Lemaster
Claim submissions
Second time submitting for reimbursement of a claim. First time was terrific,very prompt. This is a wellness claim and I’m very pleased thus far.
Insurer: Embrace
By: Ed
Too expensive - not worth it
The payment towards the claim does not outweigh the premium. Not worth it
Insurer: ASPCA
By: Gina
No Problems
We’ve made a number of claims ranging from getting tests for hip dysplasia to an allergic from eating a bee to an eye infection and have had zero push back or issues. They’ve processed our claims quickly, too, which was a big surprise.
Insurer: ASPCA
By: Rory
HAPPY!!!
Very happy with Metlife. They were fast with my claim and if I had questions they answered them quickly. I'm very pleased that the only claim I had so far was for wellness visits and they paid very quickly.
Insurer: MetLife
By: Elizabeth
Love It
MetLife Pet Insurance is the best we have had quite a few emergency visits for our girl with stomach gastritis and they were great with all the claims.
Insurer: MetLife
By: kimberly
Awful, slow communication with claims process
There was a two month delay in getting my claims processed. I've been paying for this insurance for a while (about 2 years now) but this was the first time that I actually submitted reimbursement claims for a visit, not a wellness check. When I first tried to follow up via the claims portal, the response was from a claims adjuster. She sent a long e-mail talking about preexisting conditions, which was irrelevant to neither of my claims. I found her communications to be rude and unhelpful. I hope the process for future claims won't be as stressful and aggravating as our experience with that specific person was. *edited per request of Embrace to remove the claim adjuster’s name. I see the response that it takes 30 days normally, but it took over twice as long so I still don’t think that makes it okay.
Insurer: Embrace
By: Anna
Excellent customer service experience
The representative who assisted me was friendly, patience, and efficient.
Insurer: Embrace
By: Traci