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Pet parents across the U.S. and Canada have left over 224,248 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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Trusting Embrace Pet Insurance was my biggest financial mistake.
I would never recommend Embrace as a long-term safety net for senior pets. Trusting Embrace Pet Insurance was my biggest financial mistake. After more than six years and five pets insured, my monthly premium jumped from $347 to $647 at renewal, an 86.7% increase. I have accepted premium increases for years, but nothing remotely close to this. When I escalated the issue to Embrace's senior management, I was told my only options were to pay the increase, reduce my coverage, or cancel it altogether. There were no loyalty accommodations, grandfathering provisions, or retention options. I also asked whether future renewals could see increases of this magnitude again. I was essentially told that premiums are determined by the underwriters each renewal, meaning there is no cap and no guarantee that another increase like this couldn't happen in the future. Now I'm trapped. My senior dog's age and medical history make switching carriers unrealistic because much of his history would be considered pre-existing. My advice: research carefully before choosing a pet insurer, and avoid Embrace Pet Insurance, they will punish you for years of loyalty!
Insurer: Embrace
By: Laura H.
The Best pet insurance you will ever find.
I have had Healthy Paws insurance for the last 16 years for 4 cats. Filing a claim is easy, short and hassle free. I have never had any problems gettting reimbursed. Fast payment as well.
Insurer: Healthy Paws
By: LINDA
Contact with Embrace has been excellent…
Contact with Embrace has been excellent for close to 20 years (have had multiple dogs over those years). There have not been any disputes or non-coverages. We have been treated well.
Insurer: Embrace
By: David M
John was,really helpful
John was,really helpful, explained everything to me..
Insurer: Nationwide
By: customerTinisha Eusebio
Nahum was knowledgeable and truly…
Nahum was knowledgeable and truly cared! Hands down a great experience working with such an amazing young man!
Insurer: Nationwide
By: Kristy
Emergency Surgery for Senior dog
My dog has been insured with Pets Best a few years...before this we had another insurer through my job. Her premiums did go up after the age of 8 but I figured that was very acceptable. I honestly considered dropping coverage because she turned 10 and had never needed any major medical. Well about 12 days ago at 6am we get up and she is totally lethargic, not stable and can't keep her legs under her. This is a complete shock and I could not figure out what happened. I rush her into Vet and her blood pressure is crazy low...they find a small internal bleed and see a mass on the scan. She was kept all day on IV to bring her BP into a safe zone/stable. The next evening I took her for surgery to remove the mass and her spleen. The Vet said it was a 20% chance benign and most likely she wouldn't have much time left with or without the surgery. We did it anyway. My baby has made it and that huge mass was not the aggressive cancer they thought! Her biopsy came back looking pretty good-and I am so grateful for this insurance. I submitted the claim and had a fully detailed breakdown within 5 business days. The refund was approximately 85% of my total cost and it was paid within 10 days of her surgery. This is better than my $800/m Blue Cross coverage. And much faster. I really want to thank Pets Best for making an extremely stressful and emotional time so much easier. I plan to enjoy spoiling my baby rotten a few more years and we are keeping this insurance!" 100%
AWESOME JOB YOU WHERE SO INTELLIGENT…
AWESOME JOB YOU WHERE SO INTELLIGENT AND FRIENDLY.
Insurer: Fetch
By: ROBERT KALINKO
Jeremy was a wonderful agent to work…
Jeremy was a wonderful agent to work with.
Insurer: Nationwide
By: customer
You are better off just setting aside cash and signing up for a wellness plan
You are better off just setting aside the premium you would have paid them and investing or saving the money yourself. They are awful. They don't cover anything, they raise the prices considerably every year and lower the coverage, raise your copay etc. Also they don't cover any exams. Even if you bring a sick pet in, need emergency blood work, etc. They just call it an "exam" and won't pay for ANYTHING. Don't use them. I got stuck with them because when it came time to finally use the coverage I'd been paying for years for, my dog was older and so any pre existing conditions made me stuck with them. Sign up for a wellness plan with Chewy or some place like that, save your cash for when you need emergency care. Healthy Paws will do EVERYTHING to make sure they cover as little as possible. Literally made me hate pet insurance! So mad at myself for being stuck with them. I warn everyone not to get trapped into using them.
Insurer: Healthy Paws
By: HR