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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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UPDATE (2/21/24): Spot Pet Insurance attempted to remove this review from Trustpilot since it was not 5 stars. I had to verify my account information three times in order for the review to stay (once should have been sufficient). It should be known that the reason this company has high reviews is that they remove low rating reviews!!!!! I called this company several time both prior to signing up and after to confirm coverage for my cat. I will also say that every single person I spoke with on the phone was extremely rude. They then denied my claim without any explanation. One of the symptoms my cat was seen for was preexisting but the other was treated before enrollment (which I confirmed would be covered and the customer service people lied to me). They need to provide an option to re-submit a claim for further review and provide written explanation on why claims are denied. I will be canceling my service ASAP. I am SO disappointed that I paid for a full year up front. Complete scam.
Insurer: Spot
By: Madison
Wonderful as always
Wonderful as always. For the past 12 1/2 years!
Insurer: Embrace
By: June Rubin
Easy to upload invoices and get…
Easy to upload invoices and get reimbursement on my phone. Very convenient and always easy to reach someone if there’s any questions.
Insurer: Spot
By: Nayeli Rodulfo
Outstanding
Outstanding, rapid response to claims. The claims staff even prioritized my need to have my 12 yr old girl euthanized at home and had those claims processed prior to my Joes TPLO surgery. I was in receipt of my reimbursement prior to my needing to pay my credit card bill.
Insurer: Embrace
By: Diane Cenneno
Excellent service, compassionate staff
Great company. One of the few that reimburses for alternative care i.e acupuncture, laser therapy, hydrotherapy etc. claims process is easy and response time is timely. I’m fortunate to work with a staff person named Meghan . The most empathetic and caring person I’ve ever worked with. She is the very best. My only issue is the growing cost of the insurance. I presently pay 200 per month for 7000-8000,( can’t remember which) 1000 dollar deductible and a 70 percent rate return on claims. I started when my dog was 8, he is now 13.5. I’m concern with what my increase will be at the end of March. Outside for the escalating costs they are super!
Insurer: Embrace
By: Janet Sgro
So far I’ve paid $8000 and just dog…
So far I’ve paid $8000 and just dog medical bills and they haven’t covered not one thing. I’m always declined and on review this place is a scam. I would never recommend anyone to go here. look for affordable insurance else where there’s many out there. I’m canceling my plan today.
Insurer: Spot
By: Jihad
WASTE OF MONEY
WASTE OF MONEY Put whatever money you would be wasting on this service and put it in a piggy bank for your pets. This is a scam under the brand of a recognized charity
Insurer: ASPCA
By: Pedro Souza
Outstanding Coverage and Organization
I have been using embrace for the past 11 years and could not be happier with the experience. From easy claims submissions to quick processing and receipt of funds they are top notch! Highly recommended!
Insurer: Embrace
By: Scott C
Claims were resolved very quickly
Claims were resolved very quickly. I wish my insurance plan was as speedy.
Insurer: Embrace
By: Susan
Processing of claims.
The claims are reviewed and reimbursed promptly. The staff is very kind and helpful.
Insurer: Embrace
By: Customer