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Pet parents across the U.S. and Canada have left over 224,738 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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I have used Embrace for two dogs
I have used Embrace for two dogs. Both had cancer. My current dog (Beso) has a type of cancer that had a sudden onset. Embrace covered the event and was extremely thorough and compassionate. Within a week the claim was filed, researched, paid and deposited in my account. I was so grateful.
Insurer: Embrace
By: Pam Fugazzi
Love this pet insurance!
I like that you can customize the plans to meet your needs. The only thing is I wish the reimbursement was faster, but other than that, the pet insurance is the best one out there.
Insurer: Spot
By: Lilliana G.
In difficult times
I had to say goodbye to a fur baby. Spot employees were so compassionate and caring I this difficult time. And the insurance portion was of cause helpful too. Well done Spot!
Insurer: Spot
By: Nancy
Reliable service!
Very reliable, great with correspondence and keeping me up to date with submissions and claims. Very easy to use!! I’m very pleased!!
Insurer: Fetch
By: Mollie Marten
Very easy to use and understand the app…
Very easy to use and understand the app and the reimbursement is very fast!
Insurer: Spot
By: Tiffany Rodriguez
I am not sure at this point
I am not sure at this point. I just began coverage through Spot and have only submitted one claim for a wellness visit. But I can say I feel bombarded with emails. I really just need to be informed of whether or not a claim has been applied to my deductible and my remaining balance
Insurer: Spot
By: Frannie LaRussa
They paid :)
One of our dogs got aspiration pneumonia. He didn't make it, but the fight for his life was about $12,000. They paid according to our plan. The first time you submit a claim on a pet can take a little longer than you would want, but we had our money within a month. Was so thankful we had the policy and they didn't give us a hard time using it.
Insurer: Embrace
By: NMSS
They didn't cover anything
They didn't cover anything, even with deductible. There was no communication on claim denial or reason. ASPCA is crap. Paid into it for months, took my dog in for a wellness exam, shots, and he developed an ear infection just prior to the scheduled visit. The visit cost $562, and when I submitted the claim I received $0.00! They didn't even have the courtesy to email that the claim was processed and denied. No explanation just denied. Dropping them like a "hot potato"!
Insurer: ASPCA
By: Henry Mack
Horrible experience
Horrible experience! I was a customer for 7 years with hardly any claims. They charge me $265 a month for my two dogs. My golden had a major illness and the bills were over $1,000. Because they have such a strict deadline for turning in claims (which aren’t clearly defined, more like “fine print”) they offered me NOTHING. Due to my disappointment, I called everyone I had referred to them, every vet I’ve worked with in three different states, and will scream from the rooftops how horrible a company Embrace. Resolving my issue would have cost them maybe $500 at most. Two months of my premium. Silver lining…many better companies for lower rates out there. Thank you, Embrace. I would have never known how badly you were gouging me monthly had you not screwed me over.
Insurer: Embrace
By: Kendra Docker
We have had Spot insurance for over a…
We have had Spot insurance for over a year now We have had to file a few claims .The claims are processed very fast. With Spot insurance we have peace of mind.
Insurer: Spot
By: Virginia