154,902+ Pet Insurance Reviews You Can Trust
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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Quick claims
Claims are easy to file & are quickly decided. An Explanation of Benefits explains what was approved or disapproved & why. The staff is always friendly & helpful.
Insurer: Pumpkin
By: Crafter
Pumpkin is tops in my book
Getting pet insurance was the best decision of my life, and Pumpkin has been phenomenal! The reps are all so helpful and kind and the claims process is super easy. I have it set up to get reimbursements deposited directly into my account and their turn around time is quick. So grateful Pumpkin
Insurer: Pumpkin
By: Debbie
Human quick and responsible
Every time I called for information a human answered the phone woohoo and was able to give the necessary help and info I needed , their response time is quick and reliable usually with in a day !!!! The insurance money and coverage was also within 24 hours I was totally impressed ! I am so glad I use them thank you
Insurer: Pumpkin
By: Annette
Timely reimbursement
Timely reimbursement. Web site easy to manange. Service great and professional.
Insurer: Pumpkin
By: Rita sommer
If you're on the fence about your pet insurance......
When Embrace says submitting claims is easy, they aren't kidding. When I chose my dogs insurance, I was up in the air as to which one would be best. I've always had pets, but never had pet insurance. I'm very happy with my choice. My claim went through and was paid extremely quick.
Insurer: Embrace
By: Leslie M
Excellent Response to service claims.
Excellent Response to service claims.
Insurer: Pumpkin
By: Barry Henderson
Love how easy and quick the claim process is!
Submitting a claim is so easy and takes literally minutes. The review process is so quick too! I'm spoiled! Gonna take a lot to have another insurance woo me away from Embrace!
Insurer: Embrace
By: Susana Rios
The worst!
The worst!! Price gouging worse than human insurance companies. It’s all a scam. So many better companies out there these days. Edit: since I can’t reply to the canned reply from embrace I’ll do it here. There are SO MANY better options out there for pet insurance. Better coverage, WAY better prices and better reviews! Embrace is owned by a monopoly and they do NOT care about pets. They care about MONEY! Please don’t believe the reviews that sing their praises. Either they are people who just signed up and haven’t had premiums double or triple the first time they renew, or they are totally fake reviews altogether. This insurance SUCKS.
Insurer: Embrace
By: A Ro
Just made a claim for our Boys Wellness…
Just made a claim for our Boys Wellness Check and it was easier than trying to catch them to go to the Doctor? LOL Thank you, It's very easy to submit claims on your webpage.
Insurer: Embrace
By: Ron Wulff
Disgusted doesn't even begin to cover it PT2.
Because I can’t reply to your response, @Embrace, I’d like to set the record straight for anyone following this issue. The acquisition of Embrace in late 2023 by private equity firm JAB Holdings, who now owns more than 10 pet insurance brands, should not be ignored. According to JAB’s 2024 Annual Report, their strategy is focused on using acquisitions to drive revenue growth, and they explicitly highlight “above-industry growth” in pet insurance, attributed to “partnership activations,” “premium increases,” and new business writings after consolidation. So while you keep telling me my 200%+ rate jump is due to “normal aging and inflation,” your parent company openly reports that profit growth comes from raising premiums after rolling up multiple pet insurance companies. JAB’s own report states that their North American pet insurance platform, Independence Pet Holdings (which includes Embrace), posted “core brands GWP [gross written premium] up +30.7% vs. last year” and touts “rate optimization initiatives” as a main driver of that growth, not just rising vet costs. Just here on Trustpilot, at least four of the brands that have been bought out by JAB Holding Company have received garbage ratings from consumers, with the most of them centered around astronomical rate hikes, frequent claim denials, and sudden policy cancellations without no notice. Does that sound familiar? It’s disingenuous to blame these rate hikes solely on my dog’s age or veterinary inflation when the real catalyst is a private equity group, now holding a billion-dollar portfolio in pet insurance AND veterinary services, seeking returns through aggressive price hikes after acquiring trusted consumer brands. These financial maneuvers are spelled out in "JAB Holding company’s Annual Report 2024" explaining their investor filings for anyone who cares to look. If you’re going to triple premiums, at least be honest about the reasons: it’s not just about our pets getting older, it’s about your shareholders’ profit targets.
Insurer: Embrace
By: Brian D.