218,808+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 218,808 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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Best pet insurance response out there.
Sent in my invoice for treatment bill, and was given refund for service rapid. Very rare where ANY insurance company pays with a week.
Insurer: Spot
By: Michael Walthrust
Spot has been incredibly responsive and…
Spot has been incredibly responsive and honest in their evaluation of our submitted claims. The process is clear and straightforward. We have had a great experience working with them!
Insurer: Spot
By: Erin Elizabeth
The process was smooth and quick.
The process was smooth and quick.
Insurer: Spot
By: Lakendra Jeffries
Awesome pet insurance
Awesome pet insurance! Transparent pricing and coverage. Also appreciate the speedy reimbursements for claims.
Insurer: Spot
By: customer
Fast turnaround time
Went to vet on Monday and claim was processed and reimbursement was in my account by Thursday. Simple online procedure.
Insurer: Spot
By: Salvatore Baglione
Fast processing and responsive
Fast processing and responsive
Insurer: Spot
By: Brandy
Claim access and filing
Very easy to access and claim filing was simple and quick.
Insurer: Spot
By: Kim A
they do what they say very happy
they do what they say very happy
Insurer: Spot
By: CHERYL GOINGS
Embrace has exceeded my expectations
Embrace has exceeded my expectations. Managing claims through the app is a breeze and payments are received in a timely manner. I wish all insurance could be this easy!
Insurer: Embrace
By: JR
Bad Faith
Beware, they have the cheapest policy for a reason! I'm currently preparing for a bad faith claim against Embrace, and I would encourage the multiple other customers who are posting similar reviews to do the same. Paid for their service for an entire year for my two small, acute claims to be placed on hold indefinitely due to Embrace being "unable to obtain a prior physical from our vet to rule out pre-existing conditions". Please note, the diagnoses for these claims were "laceration" and "broken nail". Received several notices stating I did not need to take action, they would continue contacting the vet's office, and not to worry. Asked our vet to send the records to embrace, and they stated they had. I have used two vets offices in the past, but had only seen one of them within the past year. I contacted that vet myself and uploaded their physical to the portal within the requested time frame but continued to receive the "insufficient information" response. After multiple emails to Embrace about the status of my claims I finally decided to give up and cut my losses on the claim amounts. After calling to cancel and ask for a refund of my policy (since they withheld services for my claims due to "insufficient information" but continued charging my card) I was told I would not be able to be refunded for "their coverage provided to me" (again, none of my claims have been able to be processed. I would not consider that to be "coverage provided" and I doubt the bench will either). Per customer service since I had two vets listed in my portal they were awaiting records from the vet I hadn't seen in the past year (because they don't exist). Per the representative they have to have documentation from years prior even though I uploaded a physical from the other vet as requested. I called the other Vet myself and had records from over a year ago emailed to ME instead of requesting they be sent to Embrace. They were in my inbox within minutes, no questions asked.... Called customer service back and asked if they ever called the vet's office instead of trying to contact them via robot emails and was told "usually only after we have had several failed requests AND THE CUSTOMER ASKS US TO". Seems like they will do anything they can to take your monthly payment without working to help you or your pet! Hoping my claims will be fulfilled since I have taken action. If that is the case I will happily update my review from 1-star to 2.... but I'm not holding my breath.
Insurer: Embrace
By: Savannah