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Pet parents across the U.S. and Canada have left over 224,945 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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Examination Charges are NOT covered.
I purchased a policy for my pet for Illness and accident over the phone. I was not informed or disclosed any kind of exclusions during my purchases. When my pet got sick after 3 months with an upper respiratory infection I took my pet to a Vet who examined him and prescribed him antibiotics. The same day I submitted a claim and I was informed that the examination by the Vet would not be covered which was $97. due to an exclusions. The only thing they covered was $22 medications for my pet. I think they should have disclosed the exclusions during my purchases of the policy that examination charges are not covered if your dog is taken to a Vet for illness. Now I have canceled my coverage with Healthy Paws and got similar coverage for half the price that covers the examination charges and prescription for illness visits.
Insurer: Healthy Paws
By: Bharat Bhatia
Well the price went up so I changed…
Well the price went up so I changed company
Insurer: Embrace
By: Clarence Gill
Sonnet is very helpful in dealing with…
Sonnet is very helpful in dealing with your issues at hand I would definitely recommend them to others.
Insurer: Sonnet
By: Wayne Sawatsky
I bought two policies for two dogs a…
I bought two policies for two dogs a day apart. Price is about a dollar difference. No one can tell me why the algorithm did this. The coverage is substantially different. I’ve gotten no where with customer service. Reached out to ceo. No response. So far, a horrible experience.
Insurer: Fetch
By: Ben G
Fetch Pet Insurance
Amanda was friendly and caring, the services we received was great and our experience with policy renewal and transfer was easy and efficient with their help!
Insurer: Fetch Canada
By: nina
Terrible claims department…
Embrace Pet Insurance tells customers that the turn-around time for processing a claim is 10-15 working days (No weekends or holidays). They say you can submit the claims via email, "snail mail", or portal. If you choose NOT to use the portal, the delay in reviewing claims is excessively long. For example, I emailed all my documentation on 6/20/2024 and their claims department did not even open the email for 8 days. Then you add the so-called 10-15 days for processing. I have contacted their VP's office and they give stupid reasons why they cannot process emails directly/immediately. Basically, the portal method is not as easy as sending it directly via email. So... if you choose not to use the portal (not easy for people who are not computer savvy), your claims are DELAYED and you are being penalized. It means a lot to get reimbursement when your veterinarian bill is in thousands of dollars. I will be getting a second dog this month and I have already found another pet insurance company that advertises quick returns on claims. Embrace needs to realize that there are many new pet insurance companies available, and they will lose customers if they continue to be complacent. If my present dog did not have a pre-existing problem, I would drop that lousy insurance in a New York second.
Insurer: Embrace
By: Dawn Marini
Amazing help with Fetch agents
The experience I had talking to Amanda Mello and Joshua Sabado was unmatched. I felt heard and they took the time to make sure that any questions I had were answered. I felt like they went above and beyond, especially in my conversation with Amanda. She is the reason I feel comfortable making the switch. Thank you!!
Insurer: Fetch Canada
By: NL
Delivered as promised
This plan worked exactly as advertised when my pup got very sick two weeks ago and we pole vaulted over our deductible. Spot paid exactly according to my plan. The app and forms were clear and navigable and the direct deposit was quick. I didn’t want to ever have to use the insurance but since the need did arise, I’m glad it was not hard. I feel like I chose well. And my baby dog is much better! All good!
Insurer: Spot
By: Huddy the dogmom
Don’t expect to find special offers
The initial screen offered me a 20%discount if I paid annually but when I signed that offer was no where to be seen. Not a great way to begin.
Insurer: Fetch
By: Lisa Currier
Fantastic help
Fantastic help, reasonable quote, very clear and considerate help. Available immediately for contact. Thank you so much!
Insurer: Sonnet
By: Elizabeth Auld