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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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the easy way to submit claims.
the easy way to submit claims.
Insurer: Fetch
By: Nancy T
they do what they promise to do
If you read the fine print and understand the policy—I don’t see any reason to be upset. Every new illness invoice I’ve ever filed has been covered without an issue. It’s actually super easy to file claims too. The app lets you submit an invoice and explanation with the claim, and then the reimbursement goes through in a couple of weeks (after the deductible and coinsurance, ofc) . I am also happy with the premium I pay to take care of my baby. Her first year, the coverage they provided actually exceeded the cost of the premium I paid. I expected a premium increase because of this but I was happy to see they didn’t increase my premium. Spot is totally worth every penny.
Insurer: Spot
By: Anabel
Finally A Smooth Claim
Finally, I didn’t receive requests for additional information on a claim after I explained my dismay with their claims department and threatened to sign up with another carrier.
Insurer: Fetch
By: Christopher
Joshua Sabado was amazing and helped me get both of my dogs all signed up. He gave me options but let me choose what I wanted.
Joshua Sabado was amazing and helped me sign up both my dogs. The process was easy and no high sell tactics. Just facts and options. Price is reasonable too.
Insurer: Fetch Canada
By: Jennifer
Great coverage and quick response time!
Great coverage and quick response time!
Insurer: Spot
By: Suzanne Gorgas
Exceeded my expectations!!!
I had about 5 choices of companies that my work partners with for pet insurance. I initially went with spot due to its adjustability. I liked I could pick my deductible, yearly coverage amount, etc. having a puppy I added the wellness package as well. Unfortunately my puppy ended up getting severe allergies and we had to take her to a dermatologist for testing, which was more than I expected. Long story short she put on allergy shots and 5 other oral meds to help clear her skin. The claims process was soooo easy, fast and they stuck by their word. Since it was not preexisting it was all covered. I will say the preventative is covered at a baseline cost so if your vet charges more you will get the base amount reimbursed, it’s still saving!!! I will keep spot pet insurance forever and have recommended it to every one I come into contact with.
Insurer: Spot
By: Amanda
Is a peace of mind to have an insurance…
Is a peace of mind to have an insurance like SPOT, I meet my deductible which is not crazy and after that I had an emergency with my dog, I paid out of pocket $2,600 and then submitted a claim with all the required docs, truth to be told, in less than a week I had my reimbursement and there was no hassle to get it, please consider spot for your dogs needs….
Insurer: Spot
By: Victor Gonzalez
DO NOT GET THIS PET INSURANCE!
DO NOT GET THIS PET INSURANCE!! Their premiums go up every year!! We have NEVER used the insurance and the premium has doubled in the 3 years that we’ve had it. We got the insurance for our golden retriever when he was 3 months old and he is now 3 years old. He has had some health issues, so now if we switch our insurance none of the issues will be covered. Deceptive company who price gauges every year. Went from paying $65 when first enrolled, to now $142 3 years later with NO CLAIMS!!
Insurer: Embrace
By: Riss
Submitting a claim
Was easy submitting the claim and receiving the direct deposit back into my account however, a few things could have made it better. The wait period was long and the addition of documents could be improved. I accidentally added the wrong document in the medical records section and had to redo the claim because I couldn’t remove it. It would be helpful too if, when adding the invoice, the total and date field were automatically populated from the invoice to remove the chance of human error and make the experience a little easier.
Insurer: Fetch
By: Taylor