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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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My experience with Embrace
I am very unhappy with EMBRACE. I thought I would get caring, helpful responses and I received the opposite. EMBRACE REFUSED ANY OF MY CLAIMS. They stated my dog's elevated liver enzymes were a pre-existing condition. However, even after my vet attested that there could be many causes for those results, Embrace did nothing to help me with my $3500. vet bills. I cancelled my policy.
Insurer: Embrace
By: Nancy Lewis
Prompt, transparent and fair
Pumpkin makes the submission of claims transparent. They notify you immediately that your submission has been received. They review the submissions quickly, usually within a couple of weeks and send you notification of the decision, which is well documented and very fair. They then electronically deposit your reimbursement into your bank account within a couple of days.
Insurer: Pumpkin
By: Linda
The knock I have on Embrace is their…
The knock I have on Embrace is their system of getting and acknowledging records that have been sent. They had everything they needed to approve and didn't realize it until I called. That call was handled very well by Milton(?) and confirmed reciept and they'd go to work on the claims. And they certainly did respond fast and approved what was in the system. Overall, shy of how the records were handled, I'm very satisfied about Embrace and would recommend them to pet owners.
Insurer: Embrace
By: Richard Ford
They communicate well
They communicate well Very timely with claims Cute app too
Insurer: ManyPets
By: Cathy Torcivia
I called Pumpkin and they were able to…
I called Pumpkin and they were able to give me all the information I needed to better understand my insurance plan. They are also very affordable in my opinion for my 2 cats. 5/5!
Insurer: Pumpkin
By: customer
So easy and great coverage
So easy! We love the app and how much Spot covers. Most insurances don't cover this much preventative care.
Insurer: Spot
By: Domenica
This is a great company
This is a great company. Very easy to submit a claim and once it is submitted, the processing is done right away.
Insurer: Embrace
By: Ed Williams
Reimbursements recalled due to embraces banking error
The claims process for 5 of my 6 claims when super quickly. The largest (understandably) took 17 days to process. Then once the checks where dispersed, they were recalled via the sender (embrace) and the checks were removed from my bank account. Now I have to wait another 2-3 weeks for the finance department to reissue new checks because the originals cannot be redeposited. I was told this was a banking error on embraces end. I’ve been waiting for my reimbursements for over a month now.
Insurer: Embrace
By: Denise Andrade
Very dissatisfied with with claim response
I now have two claims submitted . The first one was submitted over three weeks ago. I was told the claim could take up to two weeks. Claim sent with vets itemized records of service with invoice for the cost of each item on the list. I just received an email asking how is it going. It is not going well . It appears FETCH is not organized or understaffed.
Insurer: Fetch
By: gg g
The absolute BEST pet insurance on the…
The absolute BEST pet insurance on the market!! I tried so many different ones before j found Spot and my pups and I finally found a place where we know we are covered and taken care of. Their customer service is impeccable and their PROMPT Reimbursment is the fastest in the industry. You will not be disappointed with Spot!!
Insurer: Spot
By: PPatel