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Pet parents across the U.S. and Canada have left over 224,903 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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Worst Pet Insurance
Still the worst possible form of pet insurance ever. Every single claim requires additional documentation and is stretched to longest possible wait for reimbursement. Find another pet insurer if you want to be treated decently. Embrace is just awful. Your reply is all lies. Who wants to wait on hold for an hour? I send an email to claims and am clear that I want to be contacted and get no response. Embrace is one big lie.
Insurer: Embrace
By: KNYC
Best customer service
Megan was wonderful. She listened to my concerns about our policy and assisted making the needed adjustments so that it met all our needs. Her follow-up email was also kind and made me feel a valued client. I wish all my calls to customer service departments were as pleasant.
Insurer: Fetch
By: Laurie Borski
I’ve had a challenging experience
I’ve had a challenging experience with this service, particularly in terms of communication. It’s been difficult to get in touch with them, and despite being very thorough when gathering my dog’s medical history, the approach often feels too rigid and lacks flexibility. Several of my dog’s tests and needs were not covered, even though they were directly related to new symptoms caused by a recent environmental change. I’ve been waiting for over a week for a response to a pre-authorization I submitted. These tests are crucial to identifying the underlying issue and providing the care my dog desperately needs. Without coverage, I am faced with the heartbreaking possibility of having to put her down, as I cannot afford the necessary tests or provide the comfort she deserves without knowing what’s wrong. I hope they can improve their communication and reconsider the scope of their coverage for cases like mine.
Insurer: Embrace
By: Jen
Meh...
The "diagnosis" options are too narrow in scope. There should be more options, or a diagnosis pending or "other" selection to allow for explanations. The distinction between wellness and covered medications is also unfair. At this juncture I would not recommend Embrace to other pet owners. I've paid $75 a month for over a year and the coverage has not been a good return on investment as of yet.
Insurer: Embrace
By: Itty Bitty Pittie Committee
So simple
It was a super easy process and Rebecca was very nice at assisting me!
Insurer: Prudent Pet
By: Nolan
My premium nearly doubled upon renewal
My premium nearly doubled upon renewal. My pets have cost nothing to Embrace and I've been a reliable customer for years. This is a slap to the face and I will cancel my policy.
Insurer: Embrace
By: Pascal Faurie
DO NOT get insurance from this company
DO NOT get insurance from this company. We had a vet bill of over 5k that they denied. We had two separate vet visits a month apart. They "claimed" were related eventhough our pets symptoms were different, and our pet wasn't diagnosed with FIP till the month later visit. This company just does money grabs and no help. Go with another company.
Insurer: Fetch
By: Guadalupe
A couple issues making claim, but was quick and easy still
Making a claim on the app wouldn't allow me to take more than one photo at a time, and making a claim on the website kept changing the Start date of when my cat was at the vet from the 16th to the 17th, so I called and everything went smoothly after that. After claim went through it was reviewed very fast and with no trouble after that.
Insurer: Embrace
By: Seven
1000/10 Customer Service from Amanda
I recently had the pleasure of speaking with Amanda over the phone in regards to my policy, and I can't say enough about how wonderful my experience was. From the moment she answered, her warm and welcoming demeanor instantly put me at ease. What impressed me the most was her kindness. She not only addressed my questions with patience and clarity but also went out of her way to ensure I felt comfortable throughout the conversation and transfer of insurance policies. Her ability to connect on a personal level transformed what could have been a routine call into a genuinely pleasant experience. Overall, Amanda exemplifies what great customer service should be. Her combination of professionalism and compassion is a rare find, and I feel fortunate to have spoken with her. I would highly recommend her to anyone seeking assistance.
Insurer: Fetch
By: Angelina Ennis
Best Insurance I’ve had so far…
Spot Insurance had made all processes associated with claims, questions, and so on, very easy to navigate. Hanks so much for keeping my fur kid safe and protected!
Insurer: Spot
By: Shelly Storozuk