207,041+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 207,041 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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Claim Misclassification / non-payment
"Feeling really let down by @FigoPet insurance. We chose them, especially as a Costco member, for peace of mind. But now, after my puppy Shadow's accident (ran into a wall on 7/18), they're denying coverage by labeling it an orthopedic injury (30 day wait) instead of a simple accident (1-day wait). I am appealing this misclassification, expecting it to be re-opened as an accident. Update: 8.18.25 - My appeal was denied. Figo wont pay anything towards my $720 claim. Apparently anything other than a broken bone doesn't qualify as an orthopedic accident and is subject to the 30 day waiting period. From their reply to my appeal: "Orthopedic conditions, with the exception of broken bones only, are considered Orthopedic Illnesses under this policy." So, if your pup runs into a wall or falls, trips or has some other form of accident and is screaming and limping and you decide to take him/her to an emergency vet... Unless it is a broken bone Figo won't pay for the vet visit, diagnostic x-rays or pain medication. I will be dropping my Figo policy immediately. I suggest that you stay away from this poor quality & misleading insurance coverage.
Insurer: Figo
By: MikeS
I tried to cancel my policy
I tried to cancel my policy. I was transferred to the adjuster who then hung up.
Insurer: Embrace
By: Anne Mulligan
Straight forward submission process and…
Straight forward submission process and quick refund!
Insurer: Spot
By: Julie
Length of time to have claim worked is…
Length of time to have claim worked is much longer than what is quoted on the website when submitting a claim. I have had to wait sometimes 3+ weeks to have them worked completely.
Insurer: MetLife
By: JULIE PETERSON
the best i never have pet insurance…
the best i never have pet insurance before thank you
Insurer: MetLife
By: customer
The claims process can be overly…
The claims process can be overly complicated. I submit claims and add info as requested "add to existing claim" but it often generates a new claim And then I have to call in. I've also experienced clearly coded covered procedures that get denied. Then I have to call in. I've had this insurance my dogs entire life (11 years) and only ever used it this year. The process should be improved to require less from me. After a decade of premiums and no claims, I expect better.
Insurer: MetLife
By: customer
Fast reimbursement
Fast reimbursement . The first review of my dog’s claim is slightly too long
Insurer: MetLife
By: Cooper
User friendly form
Thank you for designing a user friendly insurance form. The whole experience was smooth and directions extremely well written.
Insurer: Embrace
By: SSheridan
RUN from Pets Best
RUN from Pets Best. They get you in and once you submit claims they just keep sending you premium increases till you leave. I started out sooo happy with them and had premium of $56/month for both my dogs, then one dog got sick and needed care. They proceeded to increase my premium by double! Now only a few months later, I just got another notice that they increased my premium by another $72 /mo. So - in a matter of one year, they went from $56 to $176/mo for the exact same policy! They claim increases never happen as a result of claims. RUN
Insurer: Pets Best
By: Jessica Herr
Well… WOW!!!!!
I am completely blown away by my experience with pumpkin, the customer service is superb and my claims have been handled so fast!!! The first one which usually takes the longer was actually only 10 calendar days and the two after that less than 24 hours!!! I couldn’t believe it… I added the doctors notes, which was just a phone call and they emailed them… I think that may have helped, but never did I expect such fast process!! I am telling every pet owner I know that they should have pet insurance and I highly recommend pumpkin
Insurer: Pumpkin
By: Maria