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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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The ease of submitting claims and…
The ease of submitting claims and prompt action when reviewing.
Insurer: Spot
By: Joshua Gallman
I think they are terribly expensive/unreasonable
I think they are terribly expensive and unreasonable. Their waiting period is way to long 30 day waiting period for illnesses
Insurer: Trupanion
By: customer
Your return info on claims
Your return info on claims. Thank you. Also the sight is so easy to use. Thank you.
Insurer: Figo
By: Mary
Worth the money!!!
I highly recommend Embrace Pet Insurance. I was skeptical when I first decided to buy insurance, but I have nothing negative to say about them. Quick, cover what they tell you when you sign-up and worth the money.
Insurer: Embrace
By: Maria Perricone
Heartbreaking rigidity and poor customer service...
For years, I've been paying nearly $200/month for my older dog. I've never filed a claim once. In July, she suddenly needed serious dental work (a lot to process financially and emotionally). I'm 9 months pregnant, working full-time, and have been juggling a lot. Yesterday, I sat down to formally file the claim. That's when I learned the window closed 2 weeks ago. I had no idea there even was a claim window---apparently this is only after a policy renews. The rep told me my renewal was 6 days after the procedure (seriously, just 6 days!). For that reason, the window kicked in and they won't even consider the claim. Had the emergency happened a week later, there'd be no issues, which is a reality I'm struggling to wrap my head around. I can't begin to describe how disappointed I am with Embrace, or how stupid I feel for giving them so much money over the past few years... The policy doesn't cover preventive care (I have to pay *another* plan for that), only emergencies; so, now that I'm finally facing one, I can't believe Embrace won't consider reviewing it given how close it was to the renewal... This is an unfathomably profitable company. I'm not sure how a business taking in *so much money* from its customers won't even offer an appeals process. There's nothing patient- or client-centered about Embrace. If you're in the unfortunate position of working with them, please do yourself a favor and (1) read through every fine line of your policy, (2) set calendar reminders for policy renewals, and (3) file all claims immediately. Embrace's policies and procedures are designed to make reimbursement as challenging as possible.
Insurer: Embrace
By: Brynne
Excellent service
We've had a few claims for our pup and they have all been covered as expected. Excellent peace of mind!
Insurer: Pets Plus Us
By: Brenda
Scam insurance
Similar to multiple reviews on here, all my claims got rejected because they consider diarrhea as a pre-existing condition. This is not written in their agreement which specify “any illness, injury, or behavioral condition” not mentioned in prior checkup are excluded in coverage. I appealed and asked them to prove that diarrhea is an illness in my case but they keep making up reasons that i’m missing documents and paused my appeals. My pup has been very healthy per my vet’s notes but it’s very common in young puppies to have diarrhea, especially those that have an active lifestyle. My husband had some discount from his work to join Fetch and now we really regret our decision. We wouldnt mind paying more premium for a piece of mind. I wonder why Fetch insurance is still in business when their communications show a lack of medical knowledge and a misrepresenation of their legal document.
Insurer: Fetch
By: Tam Tran
Life saver
Two years ago today, I found out my little man had a tumor on his heart that was leaking fluid. I thought my days were numbered with him. Since then, he’s had 3 heart surgeries, a round of radiation, chemo, a tumor removed on his leg, hypertension, blood clots on his lungs, a late night seizure which resulted in a tumor on his brain, another round of radiation and chemo. He’s on countless meds and gets scans every 8 weeks. The silver lining is he’s still here! Going strong! He wouldn’t be here without pet insurance! They have not questioned one thing. I preach all the time, if you love your pets, get pet insurance. 🥰 #DougtheDog
Insurer: Healthy Paws
By: Robyn
I hate that our pup got sick
I hate that our pup got sick, but thank goodness we had the insurance for unforeseen health that is very expensive. She is doing so much better. Hope nothing else goes awry.Pumpkin would be my ONLY recommendation to other dog owners.
Insurer: Pumpkin
By: customer