221,108+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 221,108 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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Great experience
Amanda was very helpful and friendly! I appreciated her assistance and kind customer service!
Insurer: Fetch
By: Kye
Trupanion does not care about your pet
Trupanion does not care about your pet. They are another despicable insurance company in it for the money and they will do the most to avoid paying out a claim. They are inconsistent, consistently drop the ball, change their language conflicting against policies and will do what they can to cheat you out of paying. The premiums are outrageous and it's probably better to just save the cash in a high yield savings account. They do not show integrity in how they operate and have been a COMPLETE disappointment. Stay away and find another company or better yet save the cash yourself. It's rarely worth. And don't believe their saying "deductible paid once per condition, for the lifetime of your pet" because it is COMPLETELY untrue. Read the fine print and even then, you'll revel in the confusion of their contradictions. And I’m sure this company will respond with this review with some fake concern not to be confused with sincerity. They have none, I’ve tried talking to them and every time it’s some new person who knows nothing of my pet or my experience. They’re inconsistent between reps and will even just not respond all together. Avoid at all costs. Shame on you.
Insurer: Trupanion
By: katie
Horrible insurance
Horrible insurance. Unorganized claims department. Will deny your claims despite it being a NEW issue. Made my vet send records multiple times just to deny. Customer service is also not to par. Trupanion is a MUCH better provider and worth the price because they ACTUALLY cover your claims.
Insurer: Pumpkin
By: Casey
Ease of claim submissions and rapid…
Ease of claim submissions and rapid processing and payments when approved
Insurer: MetLife
By: Milan and Lola
Terrible service
Terrible service, buyer beware. After having an accident my insurance adjuster disappeared and could never be reached again. Countless phone calls and emails had to take place, speaking to no less than 5 different people, it has been a month and the minor damage on my vehicle has not been repaired. When you ask for support no one will give it to you. They also tried to force me to void my warranty on my new vehicle in order for the repairs to be completed, this company cannot be trusted.
Insurer: Sonnet
By: EC
Best Pet Insurance by far
I submitted a claim on Saturday 6/6/2026 to Trupanion, They approved it the next day 6/7/2026, and reimbursed my bank account on Monday 6/8/2026! Amazing how fast and easy they are to work with. I've had my Doodle insured with them since 2015. He's had two knees replaced, two teeth pulled now his heart is getting wonkie. They paid 90% of his bill after my deductable was paid. I love this company!
Insurer: Trupanion
By: Patty Wallace
I highly recommend they have been very…
I highly recommend they have been very responsive and covered a lot of bills for my 3 furbabies (cats). Worth it!
Insurer: Spot
By: Lisa Mcclymonds
Excellent customer service!
Excellent customer service!
Insurer: Trupanion
By: customer
Inconsistent Claim Handling, Fragmentation, and Expanding Retroactive Exclusions
As a policyholder with 2 pet's actively covered with Illness and Accident insurance I am writing this review to document what has become a problematic pattern of claim-handling and policy underwriting by Embrace Pet Insurance. The actions taken by Embrace's Underwriters while my claims have been under appeal are unacceptable and appear to be punitive grasping at whatever is beneficial for Embrace to deny and extend exclusions while selectively overlooking any information that would help my pet's coverage. Following recent single preventative visit at a Veterinary Clinic, Embrace did not process the day's visit as one unified file. Instead, they fragmented the single invoice into three separate claim numbers. This claim splitting complicates the administrative paper trail for the consumer. Furthermore, the carrier has applied highly inconsistent interpretations of our medical history. They classified an acute parasite (Giardia) as a pre-existing condition, despite documentation showing the pet was asymptomatic and the visit was a pre-scheduled annual preventative appointment. They also utilized a diagnostic blood panel—which was independently authorized and grant-funded weeks prior for gastrointestinal tracking—as a chronological anchor to extend a service window and deny an unrelated ear condition. Most concerning is the compounding nature of their internal review process. When I exercised my contractual right to appeal the initial decisions, the internal review tiers responded by retroactively expanding the scope of policy exclusions and extending exclusion timelines. With the Chief Underwriter adding exclusions to a policy that had already been established. documented in their correspondence today, they are applying broad policy definitions to group distinct medical events together, effectively resetting the 12-month curative period and creating a continuous exclusion loop. This is to benefit Embrace and deny any future coverage for my pet. A clever but highly questionable tactic that leaves my pet vulnerable. The carrier has resisted a transparent resolution at every step of the internal appeal process, additionally placed claims on hold for over 30 day's without providing a substantial reason for the delay, failing to provide updates within the alloted policy timeframe. .I have been forced to escalate four separate claims across five complaints to the State Insurance Commission. I advise other consumers to closely audit their Explanation of Benefits and keep meticulous records when dealing with this carrier's underwriting department. The rubberstamped apology at the end of each determination feels hollow especially when they made it clear that the decision was not reached independently. In just this short time I have learned much. I will gladly end all business with Embrace at the the of this policy. Embrace’s invitation to contact and discuss the issues thier very own team has created is not welcoming.
Insurer: Embrace
By: Veronica Martinez
Easy Claim Process
My claims are always processed so quickly when I submit them for my pups. The process is very straightforward and easy! I love it.
Insurer: MetLife
By: Jessica