208,464+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 208,464 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 processing is fast and efficient
Claim processing is fast and efficient. My reimbursement came in quickly.
Insurer: Spot
By: Shirley Carbullido
Per Insurance
Application process was quick and straightforward.
Insurer: MetLife
By: Michael M
Trupanion, always there...
Trupanion continues to support me by covering a majority of my dog's health issues as she enters her older years of life. Trupanion is also simple to use and very quick to expedite the invoices and reimburse. I am grateful I chose Trupanion 12 yrs ago when our dog was a pup.
Insurer: Trupanion
By: David
Great Company!
I filed my claim on a Friday night and my payout was in my bank account the next Thursday! Super easy to file claims. So happy I went with Fetch, have highly recommend!
Insurer: Fetch
By: Roger Wallace
Easy to use
Easy to use Fast response and return
Insurer: MetLife
By: Customer
This is my first experience with…
This is my first experience with trupanion as my dog has been healthy. I was wondering if Trupanion would actually cover what they said they would when I chose them as my provider. Well, they delivered. No questions. That is where the rubber meets the road, and Trupanion delivered.
Insurer: Trupanion
By: Steven
We have only used the insurance an…every pet needs insurance and Hope you never need it!
We have only used the insurance a couple of time and this was truly an emergency and we did not hesitate to get the best treatment for our girl Walle the vet bill was pretty high and after submitting I was pleased with the quick turn around and the amount covered no hassle gave us peace of mind that we could take care of our fur baby.
Insurer: Trupanion
By: Elizabeth Canty Chavez
Very fast turnaround
Very fast turnaround. Happy with everything about this claim!
Insurer: MetLife
By: Leslie Somes
Fraudulent failure of a company
I signed up for Embrace pet insurance on 11/25/2025 and sorely regret it. Now I’m out over $400 on monthly fees and have lost all faith in pet insurance companies. On 1/5/2026 my cat had a medical emergency in which blood was exiting her body through both ends. While the situation was extremely distressing, I felt comfortable knowing Embrace would help me cover the cost. After all, I was well past the 2 week accident and 1 month illness exclusion dates so I figured I had nothing to worry about. WRONG. Two months later, it’s now mid-March and I’ve only just received the denial letter after two months of constant follow up on my end and delayed and very limited response from them. They claimed that the delay in processing my claim was due to my veterinary office not providing them with medical records for 18 months prior to this incident. The problem, however, is that they did not ask the right clinic for the medical records, asking the emergency vet for my cat’s records rather than their regular vet. I asked on multiple occasions for them to reach out to the primary vet and it took over a month to get a response. 15 days after reaching out to my cat’s regular vet for medical records, they put the case “On Hold” claiming no documentation had been received. At that point my cat’s vet had sent the documentation over twice, once on 2/10/2026 and once on 2/20/2026. After following up on several occasions asking for an update on my claim, I filed a BBB complaint against Embrace on 3/5/2026. Shortly thereafter my case was moved to “in review” status and closed within 1 week. Embrace acknowledged they did receive the veterinary records on 2/20/2026 and claimed this review had been in process since then. I struggle to believe this given the complete radio silence until I submitted my complaint. Finally for the reason they rejected my claim: my cat had a bad reaction to a pet food in early 2025 and had a vet visit where it was noted that she had vomited and had diarrhea. Embrace claims that because there was not 12 consecutive months between these two completely unrelated incidents, this counts as a temporary condition they do not cover (and it’s hidden DEEP in the insurance policy). Two incidents, 345 days apart where the only things in common are vomiting and diarrhea. That’s it. I have no doubt that had I not canceled my policy with Embrace, should that same cat break a paw or something in the next year and vomit from the pain, Embrace would use that vomiting as an excuse to not pay out on the claim. I hope this serves as a warning to pet parents considering Embrace: they do not care about you or your pets and will find any and every loophole to delay or avoid payment. Shameful company.
Insurer: Embrace
By: Sophie