218,721+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 218,721 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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Timely reimbursement and the ease of…
Timely reimbursement and the ease of submitting claims.
Insurer: Spot
By: Patricia Hover
They raised the price on me by 40%+ all…
They raised the price on me by 40%+ all because my dog got one year older. The only heads up I get is via email saying that my “rate may change.” Ridiculous.
Insurer: Figo
By: Michael unhappy customer
Spot is a wonderful company
Spot is a wonderful company - so many pet insurances try to weasle out of paying all or part of claims - my recent claim was paid fairly and quickly
Insurer: Spot
By: Candice Dieleman
Always a quick turnaround time with…
Always a quick turnaround time with getting claims processed!
Insurer: Pumpkin
By: customer
Easy to understand and follow claims…
Easy to understand and follow claims process. Timely response and decisions for coverage. Our vet is able to file on our behalf, which is a great convenience.
Insurer: ASPCA
By: Mike Ogan
The ease of submitting my claim and how…
The ease of submitting my claim and how quickly they sent me the reimbursement
Insurer: Fetch
By: Anna
Timely and fair
Spot is quick to process claims and very fair!
Insurer: Spot
By: Meaghan
Easy claims fast payments
Easy claims fast payments
Insurer: Spot
By: Renee Cavanagh
Pet insurance will be a $35 BILLION…
Pet insurance will be a $35 BILLION dollar industry by 2030. They have seen an increase of 17% year over year increase. The key factor driving the industry growth includes increasing veterinary care costs as a result of advancements in medical technology and treatments. So, OF COURSE crappy companies like EMBRACE will be involved. California is the ONLY state that regulates the pet industry, so if you own a pet in that state and EMBRACE tries to play games with you, you have alternatives available to you...I live in SC. Now EMBRACE is an ONLINE company and as a result, has a FULL SOCIAL media team to address each and every issue...like they care. I can assure you, they do not. The goal is ALWAYS to avoid payment on a claim. They ALWAYS have some BS answer why they won't cover something. EMBRACE is a total insult. I expect them to try to delete this report but just look here on the BBB site. 141 complaints in the past 3 years. BBB claims the complaints where closed...that means EMBRACE responded. That DOESN'T mean the matter was resolved! EMBRACE embraces the term"pre- existing condition" as justification behind denial. In my dogs case, there was NO pre-existing condition and EMBRACE denied $9,000 of medical expenses I paid myself AFTER paying them their policy fee for coverage. They define pre-existing as: a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions. c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing. So, I would HIGHLY recommend that YOU fully understand your policy because if you don't they won't pay. PERIOD. End of story. Be certain that you know exactly what your VET is notating in your pet's file and HOW they are notating it. These notes are crucial on being reimbursed. Overall, there are SO many companies FAR more supportive and helpful to owners. Please look around. You will find EMBRACE has the reputation of avoiding payment and denying claims. CG
Insurer: Embrace
By: CG
filed claim for routine puppy care and…
filed claim for routine puppy care and vaccines. Paid promptly
Insurer: Fetch
By: Linda Thomas