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Pet parents across the U.S. and Canada have left over 224,958 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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Easy Claim Process! Wish it covered more.
It was super easy to submit a claim in the portal! I was able to complete the process in under 5 minutes! Spot also turned around the claim very quickly and I received an approval in under a week! My only reason for 4 stars instead of 5 is that I wish it covered more. The Canine Influenza shot series is pretty standard now and is required here by all groomers and boarding, but this isn't a covered vaccination. This appears to be a policy gap when covering wellness items.
Insurer: Spot
By: Lisa Cline
Tiffany
Tiffany, the rep , was very personable and professional.
Insurer: Embrace
By: Helen Thurston
Great Customer Service
Amanda is great in explaining to me the differences in coverages. I have not got a claim so can't comment on the claims experience. All I heard is that you will need to have medical report and documentation to support the claim.
Insurer: Fetch Canada
By: GG
Buyer beware
Buyer beware. This company will deny your claim at any opportunity to do so. Stick with the more well known brands of pet insurance. UPDATE IN RESPONSE TO COMPANY REPLY: My pet has a UTI and was treated for it with antibiotics. The vet did a swab and verified a bacterial infection prescribed antibiotics, and the infection went away. Months later we thought she had another UTI and took her back to the vet. A swab came up negative so they did a urinalysis and found crystals in her urine, so she had to go on a special diet, the diagnosis included some xrays to make sure she did not have any stones. Embrace denied the claim saying it was "misdiagnosed" and was therefore a preexisting condition. So if you've ever been treated for anything even slightly related to what your claim is, they will deny it as a "misdiagnosed" preexisting condition.
Insurer: Embrace
By: Paul Manno
Pumpkin is a 10/10 Pet Insurance Company
Everything about Pumpkin has been great. The customer service especially. Any questions are answered promptly and I have had no issues getting my claims reimbursed! 10/10, will recommend and have recommended to all pet owners I know.
Insurer: Pumpkin
By: Matt
We had a great experience with Josh
We had a great experience with Josh, He was knowledgeable courteous and patient in explaining the different plans.
Insurer: Fetch Canada
By: Samir Shabo
Amanda A+++++
Amanda was extremely helpful and very kind. Thank you so much Amanda!!!
Insurer: Fetch
By: Tanya
Embrace continues to amaze us with…
Embrace continues to amaze us with their service and acceptable response time. We are so glad Embrace was our choice for Pet Insurance.
Insurer: Embrace
By: bill rouse
This was my first claim with Embrace
This was my first claim with Embrace. It was very easy and quick. My claim was processed and I received payment within a week. A couple of my other pets are with a different insurance company (I can't switch them over because of pre-existing issues), and they can take up to a month for payment. Also, the people at Embrace were very kind and caring about the death of my cat.
Insurer: Embrace
By: Linda L
HORRIBLE INSURANCE AND CUSTOMER SUPPORT
All this week, it was one problem after another and therefore why I am getting rid of this insurance and have already found another. First problem was when I went online trying to find out the cost of adding three more pets. When I clicked what would be to review the cost and selecting my payment method and apparently it was to sign them up! I have never ordered online and not be taken to select the payment method. It used the one i had previously paid with and I am no longer continuing to bank with them so had no funds to cover the charges. I immediately called and was just basically told by your not so friendly reps that it was my fault because I clicked the add button! I removed the added pets and asked for a refund. I also asked to be refunded the $35 overdraft fee this caused. I was told they don't reimburse those and it was my fault they told me again. How can it be my fault when I had no intention of drawing from that account if I had been asked. The next thing I learned after submitting two claims was that you only reimburse after I've paid it off!! Then why do you bother asking me where I want the payment sent???? To me or my vet???? Why would I have you send it to the vet if I've paid the bill?
Insurer: ASPCA
By: Carol Self