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Pet parents across the U.S. and Canada have left over 224,962 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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To file the claim was very simple and …
To file the claim was very simple and quick
Insurer: Spot
By: Linda Hooser
Embrace never wants to pay out a claim…
Embrace never wants to pay out a claim they look for every reason to make your life difficult. Time is money and it’s a waste of time to pay $100 a month.
Insurer: Embrace
By: Jonathan Molina
Great efficient friendly service.
Great efficient friendly service.
Insurer: Sonnet
By: Charmaine B
They Decline Everything
I wanted to love these guys. I'd had a very positive experience with my previous company, but the premium prices were escalating rapidly. I was able to insure both of my dogs for the price I had been paying for one. The catch was that, even after two full years with this company, they continually declined every single claim, based on "needs more documentation," or in one case, my dog had had a small blemish, which had been looked at about 3 years earlier. When the doctor elected to remove it, this was declined as a pre-existing condition. It was basically a pimple, and these guys informed me that all such claims would now be excluded. I decided that if we were going to have to plan on covering all vet bills and nothing was covered, I wasn't going to pay premiums as well. I'll put that money in a special account and it'll be there when we need it. Also, they notified us that our premiums were going from $167 a month to $350 a month. No thanks.
Insurer: Embrace
By: Gail Burt
Disappointed customer
One been a customer for over 4 1/2 years. In the beginning I really liked the service. They were quick to review claims and fund them. Phone calls were answered in a short period of time. In the last year, I feel that services have declined. Phone calls can take over an hour before they’re answered. Claims will sit in review for weeks. All in all I feel like the service is not as efficient as it once was.
Insurer: Embrace
By: Norma Alvarado
Three year old poodle unexpected cancer
Our three your old poodle mix was diagnosed with papilloma squamous cell carcinoma, a typically non-metastazing, but fast growing cancer on her upper palate. This was a terrifying diagnosis, requiring a costly treatment. Pets Best, helped cover a significant amount of the cost. The online form was extremely easy to fill out. We received our refund within a couple of weeks. I was not aware that dental cleaning was an add-on, but urge all pet parents to get regular dental check-ups for your pets. This was an unexpected cost in an otherwise healthy young dog and are grateful for Pets Best Health Insurance.
Insurer: Pets Best
By: Veronica N
Embrace Makes Everything Easy
Embrace makes it easy to file a claim online. About 45 minutes after I filed my claim I received notification that it was approved. Because I signed up for direct deposit the money will go to my bank. I also spoke to a representative to recover my account and he was fantastic.
Insurer: Embrace
By: Philip Kearley
Service Provided, Happy Customer
I was happy with the speed once all documents were provided. There was a small delay because more records were requested, but once that happened I was able to get my reimbursement quickly. We've had this service for years and it came through when our baby had an emergency.
Insurer: Embrace
By: Kim L
Embrace has been such a life saver
Embrace has been such a life saver! From multiple surprise ER visits to a diagnosis of hip dysplasia at under a year old, to random tests, Embrace has been there for us. Our dog would, without a doubt, not be receiving the same level of veterinary care if not for the coverage provided by Embrace. We don’t have the wellness rewards so we pay for routine things out of pocket, but for all the extra stuff, Embrace has covered our claims and been quick to process our refunds. We once got our ~$900 emergency vet visit refund in less than 2 days after we submitted it. Once we were having issues receiving our refund (because we changed bank accounts and didn’t realize) and customer service was so kind and helpful and got things processed quickly. It’s so nice to know we don’t have to make the choice between saving money and getting our dog the treatments she needs. Also having access to the 24 hour vet chat is such a source of relief when we’re questioning something with our dog. I recommend Embrace to any dog owner and really recommend getting coverage started as soon as you get your dog. I’ve been a customer for almost 4 years, with one dog, and plan to use Embrace to cover all future cats or dogs in my family. Thank you Embrace!
Insurer: Embrace
By: Sarah Stone