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Pet parents across the U.S. and Canada have left over 224,898 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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Illogical coverage decisions, poor communication.
Have had four cats covered for over two years and submitted our first claim when one needed multiple dental extractions for resorptive lesions. The app states first claims may take up to 30 days. After over six weeks with no further communication, I sent a message asking for an update, and received a denial of the claim first thing the next business day. The denial was based on the cat having mild tarter buildup noted in his first exam, prior to purchasing coverage, and therefore ANY periodontal disease was considered a pre-existing condition. Tarter buildup is not a precursor to resorptive lesions; this is about as logical as saying a stubbed toe excludes a broken one years later. Our veterinarian called on our behalf to fight the denial and no change was made. We made the switch to Embrace after hearing some concerning stories regarding our previous provider, and now feel stuck as the cats are older and would be carrying more “pre-existing conditions” into a new provider. Extremely disappointed with response time, communication and coverage.
Insurer: Embrace
By: Amy
Exceptional customer service and claim…
Exceptional customer service and claim processing time.
Insurer: Embrace
By: Timothy Potter
DO NOT GO WITH THIS COMPANY!
This insurance makes it sound like they cover all kinds of things. It is not until AFTER you pay them and go to use the insurance and then submit a claim, do they go back to your pets Vet and ask to see records of any pre-existing conditions. Then they deny your claim and tell you no pre-existing conditions are covered. They should review your pet's pre-existing conditions BEFORE they begin coverage and it should be detailed in writing BEFORE they approve you, what they will not cover. A waste of money!
Insurer: Embrace
By: customer
Great service and communication!
Great service and communication!
Insurer: ASPCA
By: Laura Buettner
Off to a great start
Amanda was so knowledgeable and helpful when discussing my pet plan options. I walked away from our conversation confident in my decisions regarding my pet. However; after reading so many reviews and message boards I am not sure this is the best company for my pet.
Insurer: Fetch
By: PreAsia
Any concerns they are happy to reach out
Any concerns about claims or question are completely explained
Insurer: Spot
By: Jasmine Harris
Still waiting on payment
Still waiting on payment. Reading other reviews concerns me, not sure if we'll recover any of our expenses. Our dog ate a cold medicine pill containing acetaminophen. That is recognized as an emergency, so much so we were forced to call pet poison health line prior to the emergency vet seeing us. So $2310.00 later, we are still waiting for a decision. ***will edit review if the situation changes .
Insurer: Embrace
By: Elias Martinez
Denied everything outright
Denied everything outright. I spent way more in premiums than I did in vet bills.
Insurer: Embrace
By: Tracie Dantzler
Great
Great! Fast service and customer service. Claims are hassle free!
Insurer: Spot
By: Candice Yanez
Using the Embrace app to upload our…
Using the Embrace app to upload our itemized vet receipts and keep track of the progress is easy and convenient.
Insurer: Embrace
By: Yvette Diaz