225,079+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 225,079 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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Don’t let their USAA affiliation fool you, not the level of service of USAA
I had chosen Embrace because I have had USAA insurance for over 40 years with excellent customer service and claims processing. Embrace is a nightmare to deal with! I have cancelled the policy on both my dogs and move over to SPCA insurance where I had excellent customer service and claims processing on my last dog. They may be a little more expensive a month, but worth every penny not to have to deal with Embrace ever again. They are terrible.
Insurer: Embrace
By: KAT MANDELSTEIN
Wow..what can I say
Wow..what can I say? My claim was handled in 2 days and the deposit was in the bank the next day by direct deposit. No problems, no pressure...my girl is new to me and a rescue, so this was the first visit, and it was completely covered under the Wellness plan part of her policy.
Insurer: ManyPets
By: Michele
Only had it a couple days
Only had it a couple days, but approved the heartworm 100 dollar payment in 24 hours. So, A+ thus far. Insurance isn't to try to get 100% of everything you spend each year (otherwise the insurance company would go broke) but to have in case some very expensive thing happens. I can't complain...
Insurer: Pets Best
By: MARK
The application process seemed very…
The application process seemed very smooth and straightforward.
Insurer: Embrace
By: Vernon Steele
Submitting claims are easy and payout fast…
Submitting claims are easy and the turnaround for getting paid is very fast.
Insurer: Spot
By: Sabine Jessel
Scam artists. Sloppy ones, at that.
We were cautiously optimistic that the pet insurance we paid good money for would finally be useful when our pup was diagnosed with a soft-tissue sarcoma months after we started our coverage. But, like all insurance companies, Embrace did everything possible to avoid holding up their side of the deal. They denied our claim for surgery and treatment with a hollow and absolutely pathetic argument about their pre-existing conditions policy. Just understand that they will, without a doubt, weasel their way out of any obligation they have to cover your pet. And they’ll do it shamelessly, with the most mealy-mouthed legalese imaginable. Maybe the most pathetic thing about Embrace, though, is their utterly transparent lack of competence. While they deceitfully attempted to explain why they are denying our rightful claim to the coverage we paid for, they made blatant errors about the most basic facts of the case/claim (e.g., which side of the body the tumor was on, which anatomical space the tumor was on, etc.). Don’t make the same mistake we did buying Embrace pet insurance. You’re better off paying out of pocket from the start, since that’s what you’ll be doing anyway. P.S. If you have any doubts about the unethical nature of this company, just take a look at the comments they make on the negative reviews here. The feigned sincerity while they spit in your face is nauseating.
Insurer: Embrace
By: Ryan
Spot works great for us. Easy and reasonable claim filing…
Easy and reasonable claim filing process. Excellent progress tracking and communication.
Insurer: Spot
By: John Baker
Pet insurance you can trust
It’s been a year now having ASPCA insurance and I’m pretty happy with them. Anytime I’ve had to call in they are helpful and friendly. My reimbursements have come quicker…that’s a plus!!!
Insurer: ASPCA
By: V T
So easy!!!
So easy!!!! New pet owner trying to navigate insurance. Thank you! You were recommended by a friend
Insurer: Spot
By: Leah Meredith
I put in a claim and it was processed…
I put in a claim and it was processed it two day!
Insurer: Spot
By: TERRY ROY