221,348+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 221,348 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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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
Embrace was a huge waste of funds
Embrace was a huge waste of funds. We have dropped embrace and moved to Spot Pet Insurance.
Insurer: Embrace
By: Don Racey
Easy, Affordable, and Clear
I've used multiple insurance services for my pets over the years and have never had an easier time filing claims and getting help when needed. Everything is clear and when I've had to clarify they were fast to respond and resolve the issue.
Insurer: Lemonade
By: Rio
For what I pay monthly almost nothing…
For what I pay monthly almost nothing is covered, won't be renewing my policy next year there are better plans out there that actually cover expenses that cost less than my Fetch policy. Only reason I am giving two stars is because when they do cover something(which is not often) you get your money within 15 days of claim. Just to clarify they have paid out pennies in comparison to what we have paid them monthly and what we have paid the vet. Visit fees are not cover, Scripts are not covered, Heartworm treatment is not covered, and the wellness plan is a joke it covers basically 10% of the cost of your wellness needs. Just do your research which I wish I had, there are multiple insurance companies that cover scripts and visit fees and actually cover wellness expense for less than fetch charges monthly. It's a scam to pay them monthly as far as my experience has shown me.
Insurer: Fetch
By: Tee Dickerson