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Pet parents across the U.S. and Canada have left over 219,106 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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So convenient and easy to use
So convenient and easy to use. I love Pumpkin!!!
Insurer: Pumpkin
By: customer
Absolute Simplicity
Submitting a claim is extremely simple by uploading the invoice and doctors notes. Fetch keeps you updated on the status of your claim and once the claim is reviewed/approved, the money is deposited into your bank account.
Insurer: Fetch
By: Tim
I signed up after I seen no wait period…
I signed up after I seen no wait period online..my dog had what we thought was an infection and was dying.. She ended up having colitis..still an emergency..then was told we didn't qualify cuz it wouldn't start til 2 weeks later and I asked if I could restart claim later and was told no..This was an emergency and unexpected bill that I couldn't afford atm..not something that is typical for me..they told me I signed something in tiny print sating I would have to wait..then why state online there wasn't one
Insurer: Embrace
By: Amanda King
Great Experience
Embrace makes it easy to file the claim and I had a check within 2 weeks of the filing.
Insurer: Embrace
By: TOM COSTANZA
Quick processing of the claim and clear…
Quick processing of the claim and clear EOB!
Insurer: Fetch
By: KR
Signed up in May 2024
Signed up in May 2024. I had read there was a discount for veterans, but no option was given for one. Tried asking about that with no response. Still, price was okay so I kept policy. I uploaded all med records for my kitten so that they would be on file if needed, per suggestion on website. My kitten got sick in July and I submitted a claim for him. About a week and a half later, was told to submit all med records for prior to illness. ALREADY DID THAT IN MAY! Now indicates I will have to wait about 15 more days. If med records were missing they lost them. I submitted within a few days of signing up for insurance. All signs, so far, point to I should cut my losses and run.
Insurer: Fetch
By: J dart
I was still getting my brain together…
I was still getting my brain together since I had to deal with visiting the emergency room and a vet visit the next morning too. That plus the lack of sleep made me input the wrong vet information. Had to call a few times to fix an error I made on a claim and the person helping me was very helpful and understanding. They even checked to see how my dog was doing.
Insurer: Spot
By: Jessica
My claim was processed really fast
My claim was processed really fast. It was so easy to file a claim and upload the documentation from the vet. Embrace reimbursed me for exactly as described in their policy.
Insurer: Embrace
By: Barb Huffstutler
The person that I talked with was good…
The person that I talked with was good enough to find the answers to my problem even though it was not the answer I wanted.
Insurer: Embrace
By: James Knapp
I wouldn't recommend Embrace Pet…
I wouldn't recommend Embrace Pet Insurance to my worst enemy. They go out of their way to find reasons to not pay a claim. You purchase this policy thinking that your pet/pets are covered, and then the second you submit a claim they find all sorts of reasons why it should be denied, their most notable being "pre-existing conditions." Case in point: they wanted proof that my kitten didn't have a pre-existing dental condition at age 5 months. Kittens lose their milk teeth at this stage, so they are already growing in new teeth. What vet is going to say, "No, no signs of dental issues..." when the teeth are growing in? None. But that's the kind of thing Embrace loves to do: invent reasons do deny coverage. They LOVE paperwork, but only if it's in the format they want, otherwise they deny it. If your vet gives you a print out and Embrace doesn't think that's appropriate, they will refuse the claim. You adopted a pet from a shelter? Well you better have a full printout of every day of the animal's life or else Embrace will deny coverage (always a pre-existing illness). No one deserves to be put through this when their pet is ill. NO ONE. AVOID EMBRACE AT ALL COSTS.
Insurer: Embrace
By: JD