224,958+ Pet Insurance Reviews You Can Trust
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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I was skeptical at first but my…
I was skeptical at first but my experience with them changed my impression. My cat had to do an emergency surgery, and it costed us a fortune. We filed the claim, and we received the reimbursement within 4 days without any hassle. Trust their process and you are in good hands.
Insurer: Spot
By: gyoonho kong
The customer attendant did her job very…
The customer attendant did her job very well. I couldn't solve it by myself.
Insurer: Sonnet
By: Anthony De Souza
100% happy as always with customer care, coverage
I've always had excellent customer service with pets plus us. All staff super friendly & knowledgeable. They also helped me Navigate an easier way to submit my claims through the portal. Super patient with my limited experience. Very fast turn around.
Insurer: Pets Plus Us
By: Sharon
Scammers, unfair, claims never go through
Very unfortunate to have to write this review. Embrace Insurance's #1 job is to find ways to deny your insurance claim. Found this out the hard way. This shady business will find every single possible reason and scrape the scum of the earth to decline your insurance claim. I can't believe how unreasonable they are. I have never ever came close to getting any reimbursements despite working with our vicenarians, providing all documentations, AND even getting a formal letter from our vetenarian. These guys are nuts. Total scammers!
Insurer: Embrace
By: Sam K
Sonnet reinstated my insurance
The representative was very nice and thoughtful
Insurer: Sonnet
By: Jen
I love my pets insurance company
I love my pets insurance company. It’s amazing thank you so much.
Insurer: Spot
By: Christina Arzate
Lost of Trust
I have been really unhappy with Embrace lately. I've been a customer for a little over two years with my four-year-old golden retriever. I submitted my first claim with my dog for a UTI infection back in February of this year. After three months of little to no communication I received a notice from a claims adjuster stating that because I didn't have a wart tested for cancer, three years ago in 2021 when I wasn't covered with embrace, I was to be excluded from coverage with cancerous masses in the future. I have since contacted my veterinary myself and filed a formal appeal to the exclusion. When I signed up for Embrace, I was excited with all the good things I've heard. I felt like I had a safety net for if and when my dog needs to go to the hospital. After this experience I have lost that trust with this company. I feel like I'm paying a lot of money with higher rates every year. To work with a company that is looking at every reason to not provide the coverage that I'm paying for and that my dog deserves.
Insurer: Embrace
By: Patrick
Easy to file claim & payment quick
Easy to file claim on line. Processing and payment is quick.
Insurer: Spot
By: Terry
Just got a puppy a few weeks ago and…
I got a puppy a few weeks ago and insured him with Embrace. I chose the best coverage possible. This included an UNCAPPED LIMIT for both illness/wellness with an 80% payout and a $250 deductible. I also added the vet fee, medication, and $650 wellness to the plan. On a Friday night around 10 pm, my pup was acting out of the ordinary. He was lethargic and we could not figure out what was wrong. The next day (first thing in the AM) my wife took him to the hospital and they found out he had a fever. They did bloodwork and every test possible but could not find anything else. The hospital just gave him an IV and sent us home with some meds. The total bill was $850 for this visit. Mind you I received an email that exact day that my 14-day grace period for illness had just passed so everything was supposed to be covered on this particular day. I filed a claim that very day and waited. The following week I received and email with a list of pre-existing conditions. In the list was vaccine injury, entropion issues and to MY SUPRISE "DECREASED APETITE!" They denied my claim completely due two reasons: They said since he was sick the day prior (2 hours before midnight) that he wasn't covered. This is even though we took him on the day he was SUPPOSED TO BE COVERED. The other reason was DUE TO THE PRE-EXISTING CONDITION "DECREASED APETITE." I was extremely upset when I saw the claim being rejected. What kind of "UNETHICAL PRACTICE" uses decreased appetite as a pre-existing condition?? Any time any pet or even human is ill they will have decreased appetite. This means that all illness claims going forward EMBRACE will be denied. I called them about them using decreased appetite as a pre-existing condition. They had no logical answer for it. Even some of the reps understood the problem. That means that if your pup is ill and you tell your vet he has decreased appetite they won’t cover the illness coverage. Isn’t that crazy? How can this be a pre-existing condition??? I am extremely disappointed in Embrace. I will be changing insurance.
Insurer: Embrace
By: Sam Noyola