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Pet parents across the U.S. and Canada have left over 224,929 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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Not great. Long waits, no company accountability
The past few months I have experienced extremely long wait times, repetitive meaningless emails that give incorrect information about why my claim is being held back, and no accountability from the company on the lack of resolve or communication in the meantime. Prescriptions that I have submitted for years and years are suddenly having issues with refunds, and it’s taking more and more of my personal time to get these issues resolved. I honestly wouldn’t recommend this company anymore, and I used to work for them. 😕
Insurer: Embrace
By: Carla
Great Customer Care
The customer service department of Embrace Pet Insurance is well-trained and empathetic. Overall, I find their coverage to be good. They are always available to answer questions, and they are continually improving their website and app to make it easier to submit documents. I am on my third pet with Embrace. I would highly recommend them. They are not cheap, and prices go up annually, but it is good to have insurance when big bills come up.
Insurer: Embrace
By: TAK
The turn around time for the claims is…
The turn around time for the claims is excellent. Very good experience so far
Insurer: Spot
By: L Palmero
Staff was able to solve my problem in…
Staff was able to solve my problem in just a few minutes.
Insurer: Embrace
By: Dennis Wagner
Claims with pending diagnosis need a drop down box
When submitting a first claim for a full blood panel, there is no firm diagnosis. You should allow us to choose diagnosis under investigation or something like that. I had to make a stab at what I think it might be in order for the claim to be processed in a timely manner. What happens if my guess is wrong?
Insurer: Embrace
By: Linda G
Wellness claim issUE
I submitted wellness claims for pet grooming and am getting the run-a-round since June,not sure what the problem is but nobody reads at the claim centre.This is ridiculous.Am still going back and forth. Totally unnecessary and annoying.
Insurer: Embrace
By: ANTON PETRESCU DE PERRELLA
High premiums, manufactured evidence to deny claims
Fetch has denied claims for treatment of my dog’s hip dysplasia by citing pre-existing symptoms that my pet’s veterinarian believes are unreasonable and unrelated to hip dysplasia. When vet attempted to discuss reasons for claim denial, Fetch came up with different reasons not documented and refused to discuss documented reasons. Additionally, premiums have doubled in just 1 year. I am now paying $1,000 a year in premiums and they have paid out roughly $300 in claims. They have denied over $2,000 in claims for all manner of issues (not just hip dysplasia) Editing this review to address Fetch’s reply: my dog’s vet does not agree with the reasons you have documented for claim denial within the 6 month hip dysplasia exclusionary period. They believe the things you have documented were unrelated to hip dysplasia. However you refuse to have a conversation with my dog’s vet to hear their point of view. Also your definition of clinical sign is a change in behavior. But there was not a change in my dog’s behavior prior to and within the 6-month hip dysplasia exclusionary period - and I have photographs back to when he was 3 months old to prove it. But you refuse to discuss or consider. You simply want to deny claims so that you can maximize profits. As a practical matter, you do not cover hip dysplasia even tho you claim in your marketing materials that you do = fraud
Insurer: Fetch
By: Nate
Great choice!
I have had a ver positive experience with Embrace. They are professional and quick to reimburse. It’s also very easy to submit claims.
Insurer: Embrace
By: Chill Bibi
It was easy to navigate your website.
It was easy to navigate your website.
Insurer: Embrace
By: wrasulin Taylor
I am disappointed at how long it took…
I am disappointed at how long it took to approve payment of a well visit/ vaccination boosters. I submitted the claim on 6/22. While I appreciate there was regular communication & apologies for the delay in processing, it has taken 30+ days to receive notification of approval of claim. As of today, 8/5 I have not yet received the payment for the claim.
Insurer: Pets Best
By: Debbie Garza