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Great pet insurance
Always easy and quick response
Insurer: Trupanion Canada
By: Dana
‘‘Tis the allergy season
Amazing as usual
Insurer: Trupanion Canada
By: Jody
Usual great experience
As always, the staff and doctors were quick to respond and explained everything clearly. Excellent measures to protect staff and customers during these difficult times.
Insurer: Trupanion Canada
By: Elaine
Great customer service but not really clear where the monthly premiums come from and there is not option on when the price increases.
Great customer service but not really clear where the monthly premiums come from, and there is not option on when the price increases.
Insurer: Trupanion Canada
By:
I found our discussion very helpful
I found our discussion very helpful
Insurer: Trupanion Canada
By: Robert
In 10 years that I have been with Trupanion have never had any problems.
In 10 years that I have been with Trupanion, have never had any problems. Have and still have excellent service. Have only phoned a couple times to ask a question, answered right away and staff on other end have been excellent. I would recommend Trupanion to all that acquire a pet.
Insurer: Trupanion Canada
By: Stewart
My call with Trupanion was friendly and helpful
My call with Trupanion was friendly and helpful
Insurer: Trupanion Canada
By: Vallerie
Great service .
My claims were handled quickly and professional .
Insurer: Trupanion Canada
By: Michelle
To early for recommendation
Plan appears to be better than others researched at this time. What determines a recommended plan is the ease in which claims are processed. Thank you
Insurer: Trupanion Canada
By: Vincenza
Unethical claims processing business practice
I've been a customer of Embrace since 2018. I have two pets covered, my 2 year-old Belgian Malinois dog and my 1 year-old Maine Coon cat. My experience has been that I have to review the explanation of benefits when Embrace processes claims and here's why: 1. I processed a $819.12 claim for my cat's gingivitis with gingivectomy and dental extractions. Because I have the $650 wellness rewards, what the claims adjustor did was use up all my wellness rewards and the rest she covered under the dental illness. The problem with that is that it effectively takes away my wellness rewards that I use for the cat's grooming, shots, and other annual veterinary visits instead of reducing the $1,000 a year dental illness coverage. So, I lose my wellness rewards (which is not really free as it is a reimbursement plan that's paid in full over a 12-month policy term; in other words, you pay dollar for dollar for this "benefit."). Put a different way, the way the claim was processed, actually benefits Embrace as they did not have to cover the claim under the additional and completely separate coverage of dental illness and they no longer have to reimburse actual wellness rewards claims because they have been exhausted. They told me they do this as a general guideline to maximize the reimbursement for the customer, but in reality this is false advertisement and a blatantly unethical business practice because this doesn't really do the customer any favors. When I called them out on this, they re-processed my claim, but instead of breaking out 21 line items in the $819.12 invoice, they reduced it to 10 and processed it as a $446.50 claim. I've requested another review of this claim, but decided to write this before getting a response from them about my last request as it is clear to me that this isn't a mistake; it is an attempt to save costs at my expense. 2. I processed a $1,699.25 pre-certification for my dog for a broken tooth and while the pre-certification covered the claim, it broke things out as follows: $106.00 from wellness rewards to cover the post procedural dental cleaning/polishing; $103.00 from dental illness to cover the required anesthesia for the procedure; and the rest from the accident coverage. Now, this is an accidental complex upper canine fracture and it is not appropriate to mix/match coverage as anything included in the estimate should be covered under the accident coverage. Granted, this is a pre-certification from an estimate and not an actual processed claim, but the trend is consistent with point number one above. On a positive note, they do provide excellent and courteous customer service.
Insurer: Embrace
By: Edwin