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.
236,135 total
What are you looking for?
Most selected providers in "November, 2025"
This chart shows the distribution of the most selected pet insurance providers in November, 2025.
Providers with highest rating
20,332 reviews
10,797 reviews
27,491 reviews
14,162 reviews
63,007 reviews
Category with most reviews
This chart shows the distribution of review categories.
Everything is a pre-existing condition with Embrace
We adopted a dog in February, 2021. Since he was transported from down South with a van full of dogs, he developed kennel cough that needed to be treated shortly after he arrived. He fully recovered from that with antibiotics. That was the start of our issues with Embrace. He developed another cough, with no close contact with other dogs, several months later. This was determined to be a "pre-existing condition", apparently simply because it was respiratory, and even though the earlier cough had completely cleared up and he had been healthy for months. Our most recent interaction with Embrace was the topper. He was diagnosed with heartworm, and you guessed it, the claim was rejected as a pre-existing condition, even though I see no connection between respiratory infections that have been cured and newly-diagnosed heartworm, and neither does our vet. Apparently, everything is now a pre-existing condition in Embrace's eyes. I don't see what the point is in pet insurance if nothing, even things that are seemingly unrelated, aren't covered. It may make more sense to cancel the policy, save the premiums, and pay out of pocket, since that's what we're doing anyway.
Insurer: Embrace
By: Mike M.
Everything is a pre-existing condition
We adopted a dog in February, 2021. Since he was transported from down South with a van full of dogs, he developed kennel cough that needed to be treated shortly after he arrived. He fully recovered from that with antibiotics. That was the start of our issues with Embrace. He developed another cough, with no close contact with other dogs, several months later. This was determined to be a "pre-existing condition", apparently simply because it was respiratory, and even though the earlier cough had completely cleared up and he had been healthy for months. Our most recent interaction with Embrace was the topper. He was diagnosed with heartworm, and you guessed it, the claim was rejected as a pre-existing condition, even though I see no connection between respiratory infections that have been cured and newly-diagnosed heartworm, and neither does out vet. Apparently, everything is now a pre-existing condition in Embrace's eyes. I don't see what the point is in pet insurance if nothing, even things that are seemingly unrelated, aren't covered. It may make more sense to cancel the policy, save the premiums, and pay out of pocket, since that's what we're doing anyway.
Insurer: Embrace
By: Mike
So far so good
So far so good. I have had a few claims first puppy visit, first shots and received payment super quick and easy. Thanks for being such a great company.
Insurer: Figo
By: KB
Some positives, but costs an arm and a leg
I really like how responsive they are. Having a live vet on hand is a great resource although some have given me weird advice. There has been times where they pay out the day after I submit my case. It feels like my premium gets raised significantly each year. It’s almost as expensive for my health insurance for two dogs with less benefits which is ridiculous because they cover less things and don’t cover medication. Since my dog has a preexisting condition- I can’t move to another company.
Insurer: Figo
By: Hannah
Pet Insurance is a must, Trupanion is a dependable provider
Our first year of dog ownership has been unexpectedly expensive, and would have been much more so if we hadn't signed up for pet insurance immediately. Our boston terrier puppy has had a string of unexpected and costly medical issues, including a drawn-out stay in the hospital for vomiting and stomach issues and a surgery to correct breathing issues. We've found Trupanion's coverage to be fair to their policy promises and their claim processing has been overall fast and painless. I would say check with your vet to see if they are able to process your claims directly. Ours does not, but we found the online claims system was pretty easy to navigate. In short, pet insurance is an absolute must for all new puppy parents considering how much medical treatment costs these days, and we've had a positive experience with Trupanion and would recommend them to others.
Insurer: Trupanion
By: Christina
Choose Trupanion for emergency coverage
In March 2020, right as COVID shutdowns started, my older dog, Otis, needed to have emergency surgery for a twisted colon. I was a mess, waiting alone in my car in the hospital parking lot for seven hours until the surgery was complete. At one point, the front desk called to ask for approval for the surgery, noting that it would be expensive. My tearful response was, "I don't care. I have Trupanion. Just fix my dog." They did and Otis made a full speedy recovery. Trupanion also made it easy for the hospital to file claim paperwork on my behalf, meaning that I didn't need to pay out-of-pocket and wait for reimbursement. Unfortunately, Otis will likely need surgery soon for a lung tumor. I'm worried about that but having Trupanion means I don't need to worry about how to pay for it and what might or might not be covered.
Insurer: Trupanion
By: Krista McCann
Lemonade Pet Insurance Is The Best!
Lemonade Pet insurance is the best around. They make filing claims easy. I received my refunds immediately after filing my claim for my Taco's vaccines. Excellent process.
Insurer: Lemonade
By: Khadijah
The application process is quick and…
The application process is quick and easy.
Insurer: Embrace
By: Eric Chy
Thanks!!
Thanks so much for your ease in filing a claim and your quick response. You can't imagine how much I appreciate it during this difficult time. And thanks for your kindness in the emails you send me.
Insurer: Trupanion
By: Marty
Excellent professional service
I’ve had Embrace for many years now. I give credit for Embrace for saving the lives of my animals. Things happen and Embrace has been there with quick reactions for payments to my Vets.
Insurer: Embrace
By: Irma Nance