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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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Embrace pet insurance is a must for pet owners
My five cats are between 2-5 years old. I didn't expect them to have any health issues until they were much older. However, I knew pet insurance was a wise financial choice and my investigation into insurance providers resulted in choosing Embrace. As it turned out, I needed to seek emergency medical care for three of my cats over the past two years. Hospitalization & follow-up care costs totaled over $5,000. Since I was able to get immediate and excellent care at UC Davis Pet Hospital, two of my cats have completely recovered. The third cat is currently undergoing treatment. Pet insurance allows you to seek care for your pets without financial concerns. It is a wise financial decision. Embrace's customer service is outstanding. Submitting receipts on the website is very easy. Reimbursement happens quickly.
Insurer: Embrace
By: Cathlyn Daly
It was easy to apply and easy to…
It was easy to apply and easy to understand which situation I was in. The results report was easy to understand and reimbursement was prompt.
Insurer: Spot
By: Yumi Ladner
Over 2 months
Over 2 months, still waiting for refund on a veterain visit!!! Puppy had x rays and was diagnosed with severe asthma. This was not a pre existing condition! You’re never late taking autopay for premiums but I have to go through hell to get my fair 90 percent refund!
Insurer: Embrace
By: Donna Raimondi
Great experience with knowledgeable and understanding people on the telephone.
Just fantastic and knowledgeable people on the telephones.
Insurer: Sonnet
By: ira
Thank you for the clear and friendly…
Thank you for the clear and friendly explanation regarding my pet policies. I appreciate the professionalism in how it was communicated. Thank you again.
Insurer: Figo
By: Carolina
Turn around time is great
The turn around time is great. The insurance is worth the money. It helps you to afford to take care of your fur baby properly.
Insurer: Spot
By: Gwen
I am extremely unhappy with Spot
I am extremely unhappy with Spot. I have had them for 12 months, I initiated the policy right when I got my puppy (she was 8 weeks), I started an accident+illness plan with a $500 deductible. To date (September 2024) I have paid $720 in policy premiums ($60.00/mo), I have submitted about $984 in claims from my vet for various things over the last year - most of them were categorized as "wellness" and thus, not covered by my policy. Fine, I get that. Fast forward to present day, I audit my finances, see that I have spent over $1800 on my dog between vet bills, policy premiums, whatever - fine, great, I love my dog want the best for her, not an issue. My issue comes into play when I contact Spot to cancel my policy because it doesn't make financial sense for me, my dog, or my financial situation. The rep tells me ok, I'll cancel but I see you had a claim for Otitis (a simple run-of-the-mill doggy ear infection) which was treated & resolved by the way! (neither here nor there), she (the rep) goes on to say, this is INCURABLE, and a chronic condition, then she backtracks & states it's an allergy & you (me) will never have that covered by us or any other pet insurance company. Then the hard-sell bully tactics begin in effort to get me to keep my policy. I have 2 major issues with this 1) are you (the rep) a vet? or even a vet tech? are you familiar with my dog's condition? 2) Ok fine, it's never covered again (ooooh, I'm shaking in my boots) so I have to pay for my dog's potential, future ear infection out of pocket? Ok? So? Wouldn't the appropriate response be to tell me "just be aware that you have a documented condition that will likely be denied in the future should you submit any claims for that specific condition. All of this is relatively moot as my dog's ear condition was not classified as chronic, nor an allergy or any other excluded condition. I am extremely disappointed in the competency of the folks speaking on their product, they are not versed & they lack basic ability to explain things adequately. I will take my money elsewhere & my main takeaway is that I learned that having an overall healthy pup, I should have shopped for a different product altogether. I should have been comparing accident/emergency plans, not wellness+accident, the reimbursement was crap & I ended up paying 9/10 of my vet bills on my own!
Insurer: Spot
By: Kimberly Figueroa
Very helpful and affordable insurance and very friendly service people as well
They were very helpful and friendly service help and great provider for affordable insurance
Insurer: Sonnet
By: Mike Rodgers
In the past we have always had good…
In the past we have always had good service I am currently going through an issue in regards to our dogs teeth. He has not prexisting conditions and the vet clearly stated this but Embrace is fighting the claim.
Insurer: Embrace
By: mary