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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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Corporate Greed
Embrace excludes pre-existing conditions, as do other insurances. This works against the efforts of the greater society to see to it that shelter dogs and older dogs are adopted. There is no option to pay a higher premium to include pre-existing conditions. More importantly, as near as I can tell, there is NO downward adjustment of premiums to offset the exclusion of pre-existing conditions. Premiums have been steadily increasing at about 20% a year, rapidly putting pet insurance out of the reach of all pet parents except for those who don't really need it. That being said, this was my first time filing claims in 3 years, since I rarely meet the deductible. I filed a year's worth of claims in one day. They were all processed within 48 hours. Staff is friendly, except for when you call to rant about the increase in the cost of premiums. Yes, my furbaby has a recent cancer diagnosis, and Embrace will do nothing to help. With all the money they are raking in, you'd think they'd find a way to offer small grants to those of us who are being denied coverage due to pre-existing conditions. What was the pre-existing condition? A drained cyst.
Insurer: Embrace
By: Kim Eastman Igleheart
Great company to deal with
Great company to deal with ! No beating around the bush ! Fast correct information and agent was knowledgeable and polite !
Insurer: Sonnet
By: David
The customer service representatives…
The customer service representatives were professional, kind and so genuine. The entire process was simple; every question I had was answered with ease and very comprehensive explanations.
Insurer: Pumpkin
By: customer
Long processing times and unrealistic annual incrrases
I have had pet insurance on both my dogs for almost 3 years now and have made very few claims. They claims I have made, have almost always applied to my annual deductible so I have barely been paid out. It takes weeks to process claims and every year my premiums have doubled and my dogs aren’t even that old. It has definitely not been worth it for me so far and if the premiums continue to double YOY then I’m not sure I can afford to keep these policies. I encourage people to shop around and understand the policy fully and annual increases as I was expecting a small increase but not double when I’ve barely been paid out.
Insurer: Pets Best
By: Shannon Valenti
Peace of mind
Really gives me peace of mind to know my pet's healthcare will be taken care of.
Insurer: ASPCA
By: WD
Embrace - a compassionate pet insurance provider
Embrace was gentle and compassionate to my needs ✨️. I lost my Lacey in January, and my Gunter in August. Both were senior dogs, and my constant companions. The claims process was very simple. The response was immediate and the claims were processed quickly and efficiently. I highly recommend them. When I find my next furry friend 🧡 i will be sure to have them covered by embrace. The name Embrace, says it all.
Insurer: Embrace
By: Gerianne
So easy to work with.
So easy to work with. Quick responses. And the girl I spoke w was very nice and very helpful. My only wish is that I had more coverage for Lacey. Injury was expensive. I’ll have to look into changes on my renewal.
Insurer: Embrace
By: Carolyn
Not happy
Not happy. I've submitted a few claims and it seems the only thing that has been semi covered was my dogs spay. I received $250 but I paid that extra. If I wouldn't have , then I wouldn't have even received that. I signed both of my puppies up as soon as we brought them home at 9 weeks. Maybe I should have just saved my money and used it towards vet bills.
Insurer: Embrace
By: customer
Lightning fast processing time and payment!
I had only had my Embrace insurance for 3 months when my puppy became sick. The medical bills added up to almost $1600. Not only did Embrace cover everything above the deductible, they processed the claim in 90 minutes and paid out in 2 days! Just absolutely excellent!
Insurer: Embrace
By: Christopher
Not worth the money
It’s just annoying if I compare the amount I pay vs the amount you reimburse. I feel like if my dog doesn’t get hit by a car your insurance isn’t worth it
Insurer: Pets Best
By: Lena E