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Pet parents across the U.S. and Canada have left over 224,505 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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Obnoxious breadth in defining "pre-existing" conditions
Figured they would be worth giving a shot. Premiums weren't too bad for the coverage, but the breadth of health issues not covered due to pre-existing conditions is almost criminal. My dog had a case of dermatitis. Therefore, they saw it appropriate to deny any and all coverage - until there had been a full year without any and all skin issues - for any and all ailments associated or related to the skin. It's literally the equivalent of your insurance denying you a biopsy on a suspect mole because you have dandruff. My cat was noted to have a heart murmur on the last vet visit that was suspected to be a result of untreated hyperthyroidism. As a result, they denied any and all future coverage of any and all cardiovascular related health issues. Keep in mind (despite what the apparently uninformed representative thought), non-congenital heart murmurs can be treated if caused by underlying issues such as anemia or hyperthyroidism. Despite this, even if the murmur went away with treatment for hyperthyroidism, I was told "it doesn't matter because heart murmurs are chronic conditions" which again is absolutely false depending on the context. This was only 2 months in and I hadn't even tried to submit a claim yet. Just cut my losses and moved on.
Insurer: Embrace
By: Parker
First time Claim Submission.
This was our first time submitting a claim. It was very easy.
Insurer: Embrace
By: Lynette Benton
Quick and easy to submit a claim
I would never go with another company because embrace pet insurance is the best thing we've ever done for our puppies! They're quick and accurate with their payments and they're great to talk to if you need help.
Insurer: Embrace
By: Julie
Misunderstood
I was not aware of payment for visits upfront and then I get reimbursed. I thought i was paying for my cat to get a card that would cover her visits. The lady I spoke with was very nice and understanding. But for the misunderstanding of no insurance card I canceled my policy.
Insurer: Prudent Pet
By: Brittanyb.
They processed the claim in a timely…
They processed the claim in a timely manner - no questions asked.
Insurer: Embrace
By: Claire Horn
Just started my Lil Odies insurance
Just started my Lil Odies insurance. The customer service was excellent above and beyond which made me even more comfortable in choosing them.
Insurer: Embrace
By: Betty Goodwin
Amazing
Amazing! Super accommodating
Insurer: Prudent Pet
By: taylor badgett
Super nice representative
Super nice representative! Unbelievably, my claim was paid in AN HOUR!!!!
Insurer: Embrace
By: Gaye M
Pests Best is so easy to use
Pests Best is so easy to use. They provide great coverage.
Insurer: Pets Best
By: Rebecca Havens