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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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Disappointed ☹️
I have had this insurance for my pup for 6 years. I have put in only two claims. One last year after his annual physical for $217. My reimbursement was $70. This year after his physical and needed vaccines and lab work. The bill was $342. When I submitted my claim, they asked for his health records for the past six years. Why???? After receiving the records, they had the nerve to reimburse me $70 again. Why do I have this insurance for. I can just open an account for my pup, put the current monthly premium ($1,448) in that account and use it for his health care., this makes more sense than giving them my money. I choose ASPCA, because I thought they would be more reliable, I guess when it comes to money no body is.
Insurer: ASPCA
By: Adele Firmin
Automate Review Process Highly Inaccurate
On 1/31/24, I submitted 4 claims for my dog. One claim was handled correctly. One was mishandled. Two were automatically denied as duplicates, which they weren't. In addition, a new claim was created inappropriately for services I never claimed. To address all these problems, I had to call Embrace four separate times. Each time, the Customer Service Representative (CSR) was knowledgeable and helpful. What I realized was that the automated systems in place work very poorly. Specifically, the automated system cannot handle documentation for more that one Date of Service at a time. That is fine. However, the instructions should be clear for owners to include documentation for only one Date of Service at a time. Drontal Plus is typically a preventive medication. However, my dog was on it for treatment purposes. My claim was initially denied automatically because Drontal Plus was the medication used. I supplied appropriate documentation to justify that Drontal Plus was being used as a treatment. I had to call to request an adjustor read the documentation. I should not have to do that. I had two claims for Drontal Plus denied, despite providing documentation that is was used as a treatment medication. After I called to request the first claim be approved, it was. However, the second claim was automatically denied. I had to call again to ask an adjustor to review the second claim, even though a virtually identical claim had just been approved. My suggestion is to have qualified human adjustor review the cases until the automatic processes are accurate. At this point in time, the automatic processes are highly inaccurate.
Insurer: Embrace
By: Stephen Wintermeyer
I was surprised that you had to pay…
I was surprised that you had to pay $500.be fore you get any back.YOUR INFO WHEN SIGNING UP DID NOT SAY THAT. That is my only negative. Anyone that i have talked to has been very kind and knowledgable. Ihank you.
Insurer: Spot
By: Charlotte Stickle
Easy to submit claims
Easy to submit claims, but asked for additional paperwork that was not initially required and took a while to process.
Insurer: Spot
By: Hojoon Hwang
I have had several other pet insurance…
I have had several other pet insurance policies. Spot pet insurance actually does what the policy states. The claims are very easy to file on the app & the turn around time on the reimbursement is timely. EOB are clear & easy to understand
Insurer: Spot
By: Debra
I have never ever had any issues
I have never ever had any issues. Great customer service
Insurer: Pets Best
By: Pamela Spencer
PET INSURANCE REVIEW
Tried several companies and vets before discovering Met Life. It was the best decision I have made. Never a problem submitting a claim directly from the vet's office, and issuing me a copy. All adds up after Met Life reviews and issues payments. No declines, no-nonsense company, the very best to deal with, perhaps those complaining have a problem with their chosen vets as I did before discovering one that was not out to cheat the patient's owners.
Insurer: MetLife
By: VELIA
Horrible
Horrible. You cover nothing. Might cancel soon
Insurer: Figo
By: Mitchell
Embrace has never denied any claim
Embrace has never denied any claim we have had with our Golden Retriever Buddy. We have been insured with them since he was a puppy, he is now 10+ years old.
Insurer: Embrace
By: Terry O'Neill
Embrace Pet Insurance
Embrace pet insurance has been the best. I have used different companies in the past but none have been as efficient and responsive as Embrace. Claims are easy to submit and response times are very fast.
Insurer: Embrace
By: lbmilner