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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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It's decent
It's decent. You gotta mandatorily wellness exam your pet as part & parcel to insurers No Pre-existing Conditions clause, so plan on set up this way: 1) Find a DVMs who waive wellness exam fee secondary to this requirement, 2) carefully review Treatment Plan, 3) initiate Embrace policy with a projected date, 4) schedule preliminary treatments like vaccines, 5) correlate beginning date of policy with wellness check vaccine compliance in rear view. My kitty was current on everything except W.E., so anything that may happen would be legally pushed away from coverage until first a DVM clarifies that no issues exist on start date. Another decency with Embrace, you're allowed full refund while you figure the above terms out for first 15 days.
Insurer: Embrace
By: Will Wilson
Excellent customer service provided by…
Excellent customer service provided by LANI. She was so helpful and very knowledgeable. My experience was so awesome. I love this Pet Insurance. I have two furbabies that deserve the best. Thanks so much for everything.
Insurer: Embrace
By: Guadalupe Higson
This is the worst pet health insurance…
This is the worst pet health insurance I have ever had. Every single time I file a claim, they say it is pre-existing. For instance, my horse had a cut on her butt. She also had a cut on her chest. Neither of these were tracked by a vet ever before the day of treatment. They said that because she had a cut in two places, she was ineligible for coverage.
Insurer: ASPCA
By: O'Reilly Diditt
Unfair Charges and Terrible Customer Service – Avoid Sonnet Insurance!
My experience with Sonnet was nothing but horrible. My insurance was canceled while I was inquiring about adding a driver. Sonnet charged me $1,888.51 for three cars and gave me a refund of only $415. I ended up being charged $1,472.95 for 20 days of coverage for three cars. This company is a complete scam. Please stay away and look for other insurance options.
Insurer: Sonnet
By: Fly Focused Group
Classic bait and switch scam
Classic bait and switch scam. I was a long time Trupanion customer and switched to embrace since it was offered thru USAA and offered a better rate. Since I trust USAA, I figured they would only affiliate with another trustworthy company. Here I am at my first policy renewal and they have nearly DOUBLED my premium!! I’ve made no claims. Now I’ll have to go through the work of switching back to Trupanion, hopefully at a decent rate, but certainly higher than if I had stayed with them.
Insurer: Embrace
By: Georgia Smith
The claim process was so simple and easy
The claim process was so simple and easy
Insurer: Spot
By: Robert odgerscustomer
For me you guys are the perfect…
For me you guys are the perfect definition of customer service. You care about our pets and have a strong desire/commitment to helping us through tough situations. We ran into a problem with a claim and you all fixed it the same day. I really appreciate your support and understanding!!! Keep up the outstanding work!!!
Insurer: Embrace
By: Allyn Taylor
We have been very pleased with Fetch…
We have been very pleased with Fetch insurance. They cover both of our Havanese pups and have been very responsive to all of our claims. The payout is about a 2-week process. But they are consistent - no surprises or complications.
Insurer: Fetch
By: Darlene
Looking for insurance
Looking for insurance, I'm looking for my policy to be easy to understand an manage. Embrace has been that so far, though 4/5 is due to the issues with my card on file even though the card on file has been correct and useable.
Insurer: Embrace
By: Jessica Sweeney
Love Embrace!
Love Embrace!! Everyone is pleasant and professional. I Email the Vet's invoice and notes. Get a response same day they were received. A day or two later refund issued to my checking account. Or if needs be they call the Vet and let me know. All done swiftly. If I have questions I call and get answers. Policy concerns explained thoroughly. My cats are seniors. Their requirements are a bit more demanding due to age. Could not be happier with Embrace. Highly recommend.
Insurer: Embrace
By: Diane Wessing