209,304+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 209,304 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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Inconsistent responses/ poor customer service
I filed a claim for my 7-month-old puppy at the end of August. When I was notified that additional information was needed, customer service informed me to get full notes from my vet and email them. My claim was denied because medical records were required for at least a full year, which didn’t make sense. After two weeks of no response, I called again and was told the claim would be reopened. However, after another week and a half, I was informed that the claim was not reopened. Finally, a third rep reopened my claim and ensured a follow-up. When I received a denial a few days later, it stated that I only had accident coverage instead of both accident and illness. I understand this, but why wasn’t this included in the original denial? Due to the poor customer service and inconsistent responses, I’ve canceled and gone to another service.
Insurer: Spot
By: Jaleesa Taylor
they have been great right up until…
they have been great right up until they doubled my premium on my 9 year old domestic medium hair cat. They say it's based on actuarial statistics and promise it's not because of any claims, but it just so happened to take place immediately at renewal after a year of claims due to hypothyroidism. regardless, to DOUBLE the monthly premium is absolutely unacceptable.
Insurer: Embrace
By: Tyler Carson
I had a wonderful conversation with…
I had a wonderful conversation with Megan today regarding my insurancce for my dog. She was so nice and professional.She answered my questions and I felt much better after speaking with her...great job!!
Insurer: Fetch
By: Amichael Campbell
Not my insurance agents but so helpful!…
so i actually dont have pumpkin as a insurance agency i went with another company... BUT i accidentally signed up for both (mommy brain😮💨) and i canceled but the charge still went through and i dont know about you but i sure cannot afford to have 557 dollars missing for very long. i call pumkins support team panicked and crying and they were able to empathize with me and help. My money was refund within that week they were sososo helpful and speedy. Thank you pumpkin!!
Insurer: Pumpkin
By: Kaitlyn
I love Pumpkin
I love Pumpkin! They’re always there when I need them and reimburse me quickly for services.
Insurer: Pumpkin
By: Lourie
Easy claim process
Easy claim process. Quick processing and direct deposit of our reimbursement. Was expecting a hassle based on history with previous pet insurance company for a different dog. Previous insurance company always managed not to pay a claim. SPOT is fantastic. Thank you for living up to my expectation for a pet insurance company!
Insurer: Spot
By: Bill Rickley
Embrace is super easy to navigate and…
Embrace is super easy to navigate and they handle claims quickly. They also assisted when more information was required and worked with me to resolve the issue. I am very happy with their site and service!
Insurer: Embrace
By: Sandy Kimmer
Premium Rates are criminal for senior animals
I've been with Healthy Paws for 10 years, insuring my 2 dogs since they were puppies. Generally had a good experience, the claims process is pretty easy. However, now that they switched underwriters (2024/25) the rates have skyrocketed, and if you have a senior dog (10+) they will force you to increase your deductible, while your monthly premium will more than double. They don't want to insure senior pets, who need it the most, so they force you out financially. My healthy 10 year old dogs rate went from $90/month to $190/month and deductible from $750 to $1000, (which is really hard to reach). Check out the reddit thread about them and I promise you will want to look elsewhere. I suggest you do your research and find another pet insurer who actually cares about your pets for their ENTIRE lifetime.
Insurer: Healthy Paws
By: Laura Neumann
I love Embrace
I love Embrace, they are quick to respond and reimburse payments. I have a happy healthy dog and Embrace is a big part of it.
Insurer: Embrace
By: Veronica
Great insurance for pets
Great insurance for pets! Excellent coverage and fair reimbursements.
Insurer: Pumpkin
By: Ashley