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Pet parents across the U.S. and Canada have left over 224,914 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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Attempted to add non existent pre existing conditions after payout for illness
Got a new dog and enrolled Dec 2023. Did a complete ortho eval and submitted to Embrace. Accepted and noted hip dysplasia as pre existing and not covered. Fine with that. Dog gets sick with stomach illness august 24 and embrace has to pay out. Am told at payout that suddenly back issues are pre existing and not covered. Absolute bs. The vet did NOT ever say there are back issues and current illness had nothing to do with back. This is a blatant attempt to scam with an older dog. DOI complaint will follow.
Insurer: Embrace
By: SA
I've been very happy with Embrace
I've been very happy with Embrace. They covered everything as outlined in their policy. We have three dogs insured with them.
Insurer: Embrace
By: Gail Hefley
Thorough and Prompt
Thorough, prompt communication and prompt reimbursement.
Insurer: Pumpkin
By: customer
Excellent Service
Not only were my claims processed quickly but your customer service is exceptional.
Insurer: Embrace
By: Cindy Martin
Unexpected Emergency Surgery
Had an unexpected emergency surgery and was so glad I had gotten SPOT insurance! Was so easy to submit my claims and got my reimbursement like a week later! So happy with the whole insurance experience, but could have done without the foreign body removal surgery!
Insurer: Spot
By: Michele Ryan
Did not like clarity on Consultation…
Did not like clarity on Consultation Visit. Pre Existing Conditions are still unknown at this Moment.
Insurer: Embrace
By: Steven Fullerton
I had a good conversation the other day…
I had a good conversation the other day with Fetch as I was skeptical about their plan and payment process and seemed like claims were not being paid. The reason I am giving them a 5 star review is because they are a company listening to their customer complaints. All has been resolved and they are taking steps to change some things which, they admitted, were not working. I have been paid for all claims and will stick with Fetch.
Insurer: Fetch
By: Carolyn Rhodes
Premium doubled
Almost doubled our premium and we’ve had zero claims. Our dog is almost 5 and we started her insurance within a few months of getting her. There are better options out there and I’d recommend comparing them prior to getting Embrace.
Insurer: Embrace
By: Adam Reiter