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Pet parents across the U.S. and Canada have left over 150,000 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our review hub makes it easy to compare top providers and find your perfect match.
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Quincy’s Surgery
What a relief to receive my reimbursement for my dog, Quincy’s surgery. It would have been tough financially but our pet insurance paid 90%. I am very satisfied with my insurance.
Insurer: ASPCA
By: Donna
So far so good
So far so good. Prompt service !
Insurer: Spot
By: Jennifer Hedden
I love the extra care you put into…
I love the extra care you put into sending a toy and welcome box!
Insurer: Pumpkin
By: customer
Easy to submit claims and timely…
Easy to submit claims and timely response
Insurer: Embrace
By: Michael Coleman
Changing companies is confusing and it…
Changing companies is confusing and it seems like our pricing will go up which makes me second guess my decision
Insurer: Pumpkin
By: customer
Processing Time
The length of time it takes to process a claim is TOO LONG!!!! I do not understand why it is taking 30+ days to process a claim. I’ve been a customer for years. I pay my bill every month on time. I would like to see the claim process be cut in half to no more than 15 days. Hire more people! It sounds like you are short staffed & need more help. Customers should not have to wait this long to get a claim processed.
Insurer: Pets Best
By: Emily Danner
Registration was easy
Registration was easy; filing a claim was simple and the guidelines were clear and precise . User friendly website/App is perfect!
Insurer: Spot
By: Trish
Excellent, woof woof woof!
The one-hour "hold" wait was 8 minutes. The representative was charming, knowledgeable, and resolved my issue quickly and with good humor.
Insurer: Embrace
By: James LICHTENBERG
Happy customer, lacking desktop and mobile exp
So far I've been very satisfied with Embrace. pros - lovely, human customer service team - quick claim processing times - quick to receive direct deposit cons - there can be long phone wait times - less than optimal desktop and mobile experience I recommend investing in desktop and mobile improvements to ensure seamless, delightful workflows. re: desktop portal - improve user login experience - login pulls up random page before entering desktop portal - slow loading times on provider dropdown - plus, difficult to make selection from dropdown re: mobile app - it would be great if the mobile app supported screenshots - I end up avoiding the mobile app altogether because of this Embrace provides excellent customer service and claim processing times. If they want to take it to the next level, I recommend investing in improvements to desktop and mobile.
Insurer: Embrace
By: Katie Roughan
Wasted a years worth of payment
I only signed up with Embrace because they are working with USAA. To start they gave me a decent price to cover our cat. However after the first year they raised the premium by 40%. When I called to ask why, they said it was because I filed a claim, I said I never have, based on the date I realized it was not a claim but the required information requested from the vet by Embrace to start the coverage. I felt my account was flagged for pre existing conditions and I got the distinct feeling they will not cover my cat if he ever needs it. Cancelled Embrace. Until there is regulation for pet insurance, most people are throwing their money down the drain.
Insurer: Embrace
By: claudia brown