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Pet parents across the U.S. and Canada have left over 224,962 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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An absolute racket with no accountability
Consistently drag their feet with the larger claims and have zero accountability. If you call and wait the lengthy hold times to speak to one of their clowns, which is the only way to contact them, they simply spew scripted responses and do not actually give any answers or provide any customer service. If they do go off-script, the answers vary from one clown to the next. Supervisors and managers are not available and are probably equally useless. Awful.
Insurer: Pets Best
By: A D
Honestly a terrible experience
Honestly a terrible experience. Took more than 6 weeks to get any kind of response, very unclear direction on what is required to process the claim, impossible to get anyone on the phone (although once I got someone they were helpful), and I was reimbursed a fraction of thousands of dollars of ER and hospital bills with things used as an explanation like (hospital boarding is not covered) even though the hospital boarding was a direct result of the illness. I plan to cancel coverage and seek another provider is this is not remedied.
Insurer: Embrace
By: Thomas Crawford
This was much easier than expected and…
This was much easier than expected and worth every penny when I needed insurance.
Insurer: Embrace
By: K Pearl
Double Cervical Spinal Surgeries OH MY!
My dog Rune had to be taken to a Vet School 7 hours away to be seen by the boarded Neurologist for symptoms of difficulty using one of his legs and neck pain that came on out of no where. He spent about 11 days in the hospital and had not 1 but 2 cervical spinal surgeries while he was there. His total bill was just over 12 thousand dollars. I was so happy that I had him insured and that we were reimbursed a little over 10 thousand dollars from this very stressful and expensive event. As a licensed Veterinary Technician I always discuss the importance of pet insurance. I am so happy to have an insurance company I trust from first hand experience to recommend to my clients for their pets as well. I am happy to say that Rune is doing amazing post op. His incisions have healed and he is so happy and most importantly he is pain free!
Insurer: Embrace
By: Jessica Oconnell
Fetch will work hard, to find a way to deny your claim
Been with them from at least 2019 to 2024, they signed me up for a competitively priced premium but jacked up the rates each yeah until I'm paying 1000$ a year for two domestic shorthair cats with no medical issues. Until now I've filed only 1 claim, for an xray on a swollen limb 4 years ago (~300$ payout), so it seems legitimate until recently I filed for reimbursement on a 1000$ vet bill for a possible bladder infection. Denied it this time; they found some technicality relating to the timing of filing. Been paying them on time for over 5 years, but they're going to weasel out of some loophole when it comes time to pay you back. I've found a new insurer, for less than half the price, with no loopholes, claim windows, and only a 3/14 day wait period on accidents/illness, which I won't mention for impartiality but, Fetch is a grift.
Insurer: Fetch
By: A Palamara
Keeps you informed re status of claim
Keep you informed re status of claim
Insurer: Fetch
By: Pat Ryan
Great Claims Processing
Claim was processed and payment received in very short period of time. Excellent performance.
Insurer: Spot
By: Rodolfo Gil
Company fails to explain their billing
Company fails to explain their billing. Received email advising me a credit was due to me. I asked when I could anticipate seeing the credit on my account and requested a full accounting of the credit application. All I was told is that i will be advised when it was applied - SURPRISE - NO CREDIT APPLIED. I asked for a full accounting of my account - NEVER PROVIDED.
Insurer: Sonnet
By: Kristine Gyldenbjerg
Very easy to submit a claim and have…
Very easy to submit a claim and have always been paid out. Will continue to be a loyal customer!
Insurer: Fetch
By: Russell