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Pet parents across the U.S. and Canada have left over 215,962 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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Unclear requirements
I purchased Lemonade just for one cat to try it out. Well after the 15 day waiting period, with no claims filed, he had an exam and nothing was found. I didn't file a claim until the following month. The vet recommended an echo to rule out heart or lung issues. I filed a claim for this visit. Nothing was found wrong with my cat, so the vets were thinking behavioral or allergies. My claim was denied by AI, I have to assume, as it was literally denied within a few minutes. I didn't know what to claim exactly, there is a list and you have to pick something. Since he isn't diagnosed with anything, I put his issue as behavioral because nothing physical found to be an issue. Lemonade states without follow up medication or some other treatment, they won't cover it. I didn't see anything to explain what this insurance covers or doesn't cover, but I don't think this company is fair. They are the cheapest but there's no point in insurance if nothing is covered or what is covered is very difficult to determine.
This pet insurance is a huge saver when…
This pet insurance is a huge saver when taking my pet to the vet. It provides services that my dog needs.
Insurer: Spot
By: Mary Garrett
Hate to have to give this rating but...
Hate to have to give this rating but I have to. I have been with embrace for about 4 years. I received the quote for next year and my jaw dropped. I understand as a pet ages the cost for renewal goes up. It works the same way with humans. Every year it would go up around $100-200 but not this time. I paid about $700ish for all of 2025 and next year is about $1300ish. Almost double, this is insane. It was this year that I discovered he has Cushing's Disease and gallbladder sludge, what a coincidence. I believe this is deceptive practice because in "pet insurance" world, if your pet has a pre-existing condition, you can't just up and leave to another insurance. I feel this is how they trap you because they know that you do not have the freedom to just up and leave. Now you just have to settle on the exorbitant price increases. They will hit you with this copy/paste message " Embrace evaluates our premium increases annually based on our entire book of business focusing on several factors, including the age of the insured pet(s), the tenure of the policy and also factoring in veterinary inflation. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. We strive to find a balance in maintaining quality coverage for the pets that we insure, while also factoring in changes in the marketplace." This is just an excuse to lighten the blow to you. I reiterate, the reality is if your pet develops a condition under their policy, they see it as free reign to double, triple, quadruple your renewal because no other insurance will take you now. Be careful. I will be challenging this.
Insurer: Embrace
By: ItsSimplyBelle
Turnaround/payment made timely
Turnaround/payment made timely
Insurer: Fetch
By: Karen
They take care of the claim right away
They take care of the claim right away and reimbursement is within a short time .
Insurer: MetLife
By: Edwina J
Stands out among others...
Detailed information and the comparison chart made finding the right company easier. Receiving the follow-up email after receiving my quote was nice, because I could refer back to my quote easily without having to re-enter all of the information. I didn't feel harassed by a salesperson at any point. Prudent offers decent reimbursements and provides many options to customize your policy to meet your pet's needs. I'm impressed!
Insurer: Prudent Pet
By: donna, lexington, SC
Fast Reimbursement
My 3 year old Frenchie ended up in the ER overnight and it was stressful and expensive! I submitted my documents and had reimbursement direct deposited right in to my account quickly.
Insurer: MetLife
By: Kim
Predatory and Unethical
I have had healthy paws since 2013 for my dog. Only minor claims and my premiums have always been more than I get back in claims but having the piece of mind of having insurance in case of something catastrophic was nice. Initially my dogs premium was $35. However the last 6 years the premium went up 130%, so that at 11 years old it was $220 a month. Now when he turned 12 Healthy paws increased my deductible from $100 to $500 and payout rate from 90% to 70% without warning. Customer service does not care and seems outsourced. This company is predatory and unethical and I would like to warn anyone who is thinking about pet insurance to go with another provider. Avoid Healthy Paws at all costs.
Insurer: Healthy Paws
By: Nick Fischer
Very easy to file the claim.
Very easy to file the claim.
Insurer: Spot
By: Tonya