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Pet parents across the U.S. and Canada have left over 150,000 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our review hub makes it easy to compare top providers and find your perfect match.
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Great service with the claim
Great service with the claim
Insurer: Trupanion
By: Mark
Claims paid within days
Great insurance. They make filing a claim simple and usually pay within 3 days. I highly recommend
Insurer: Nationwide
By: Mike
Peace of mind and speedy service
Spot insurance has given me more peace of mine and im so glad i chose to go with them. The convience of submitting my claim all thru the app and the clear instructions made it so easy and i could focus more on the care of my pet with out having to worry too much on what i needed to do. I really liked the direct deposit option as well to recieve my reimbursement it was so convient. My only suggestions is to give the option to select more plans. I would pay more for a higher tier plan with more options but other than that I highly recommend them
Insurer: Spot
By: Mario Torres
For what I paid out
For what I paid out, didn’t get much back.
Insurer: Spot
By: Renee Vaccaro
Prompt and excellent customer service…
Prompt and excellent customer service and support. Quick processing of claims.
Insurer: Spot
By: Abby Jensen
Be Cautious—Especially If You Have or Plan to Have an Older Pet
I wanted to share my experience to help others make an informed decision. After 14 years with Healthy Paws, I was forced to cancel my policy due to an astronomical premium increase. Over just four years, my monthly premium jumped 572%. I was already paying $431/month—but then they asked for $776 more per month, bringing my total to $1,207/month. Like many newer customers, I started at a very affordable $34/month and had few issues or increases—until my pet turned 10. After that, things changed dramatically. Age suddenly became the biggest factor in pricing, despite what I had been told when I signed up. The stress, fear, and financial uncertainty this created have taken a serious toll. I now face the reality of having an older pet with pre-existing conditions—hard to be insurable elsewhere—because I trusted the messaging that age wouldn’t be a factor that impacts premiums (simply Google this and see how they publicly stated this, such as an article from Consumer's Checkbook). I believed Healthy Paws would provide lifetime support, but the policy model now feels unsustainable and, frankly, unfair to long-term customers. From my research and reading others’ experiences (especially on Reddit), it seems these extreme increases began around 2020–2021, around the time Westchester Fire and Chubb took over operations. This was once a company I proudly recommended. Now, I feel a responsibility to warn others—especially those with aging pets—about what may lie ahead. If you're reading reviews here, take note of how many 5-star ratings are marked as “Invited.” From my experience, these are often from customers who were prompted to leave feedback after a recent claim or support interaction. That doesn’t make them dishonest—but it does suggest they may not reflect the full, long-term experience. Please look beyond the star rating and read reviews from people who’ve had policies for many years. Healthy Paws may still work well for new customers, but it’s crucial to understand how things may change as your pet ages.
Insurer: Healthy Paws
By: S A
First time claims on pet insurance
Both claims I have filed have been handled efficiently. Very timely, and the EOBs on both were easy to understand and very helpful.
Insurer: Spot
By: Marie Plank
We’ve been very happy with the service…
We’ve been very happy with the service and they have covered all of else’s expenses from numerous Veterinary visits.
Insurer: Embrace
By: Valerie Lee
Easy Claim Process
I submitted our claim for our Welsh Terrier’s illness and was reimbursed in 3 days. Very easy process. I’ve been with SPOT for 4 years since we got our puppy. Very pleased.
Insurer: Spot
By: Patricia Cumming