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Pet parents across the U.S. and Canada have left over 216,093 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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Excellent service
Excellent service. Claims processed quickly. Site easy to navigate. 5 stars!!
Insurer: Pets Best
By: Tom H
Embrace is the best
Embrace is the best. Had some bills that I thought should have went to deductible. Called. They fixed in 2 mins. Love this company. Thank you Embrace
Insurer: Embrace
By: Paul Klimack
Loopholes and Let-Downs...
It was at least a 4-star prior to actually needing them for larger issues. My corgi is 7, has been at a healthy weight and diet her whole life. No hereditary issues. Biggest concern we went to the vet for was a sprained knee a couple years back and a root canal from a tooth fracture a while ago (this was a result of chewing of those nylabones which have been banned from our house since). Everything else was routine. We moved states so I called to update our address. My premium actually dropped by almost half which was awesome. Two weeks later they DOUBLED it from there at the policy renewal. I called to ask for an itemization of costs being factored and was denied that information. They gave me the BS excuse it's inflation and rising vet costs and area etc... so in 14 DAYS inflation and vet costs doubled?... A couple months later end of 2025, we go in for a cleaning and find she needs extractions due to some crowding and decay. I've done more for her dental care than most dog owners I talk to. Embrace tried to deny me under it being 'preexisting' because of tartar notes from January 2022... I had to do their job, going back and forth for a month, calling the original clinic of the root canal because they tried to bypass notes from care done July 2023 that showed a cleaning was done, therefore this was not preexisting. They finally paid out. Around that time, corgi also had a spat of mobility issues. Not IVDD, nothing else crazy. Just wear and tear and a little arthritis. I was told on a call we had six PT visits covered. That's it. Tried to submit claims for two PT visits. They were denied. Turns out, even though the therapist is a licensed animal specialist PT, because she herself is not a licensed vet nor does she work in a clinic being shadowed on her appointments by a licensed vet, the claim was denied. That caveat was never disclosed to me. Even with a valid referral from a licensed vet (we're not out here doing this for fun) it doesnt matter. They find every reason they can to not pay. If I had known they would be so disappointing to work with, I would have been looking to change carriers before my corgi became a senior, and either paid a little bit more or just been done with insurance altogether. No better than health insurance for people. For major issues that don't fall into loopholes, I'm sure it's cheaper than paying out of pocket overall. The what-if is what kept me. But it still feels like wasted money and resources I'd prefer not to spend. I'm concerned that if I switch carriers now, she WILL have things considered pre-existing which will make it more expensive. Bottom-line: ask harder questions, read fine-print (which I did for the dental work and they still tried to pull a fast one or were just incompetent), evaluate if you can do without, or pick a different carrier for a little bit more.
Insurer: Embrace
By: Arielle Jade
Seamless and straightforward
Seamless and straightforward
Insurer: MetLife
By: Sherry Smith
Very quick response to claim
Very quick response to claim
Insurer: Pumpkin
By: Cynthia Adkins
Excellent customer service
The person who helped me was very helpful and kind. I appreciate her help
Insurer: Nationwide
By: Heahter
Return response has always been timely
Return response has always been timely, and explanation thorough
Insurer: ASPCA
By: MM
Super simple and easy
Super simple and easy
Insurer: MetLife
By: Julio Reyes
Terrible Experience
I am baffled how everyone seems to have a great experience with MetLife Pet Insurance except for my family. We've submitted all the correct documentation, even jumping through hoops to submit larger files (how are you going to require a year of SOAP notes, but none of your document submission tools support large files???), and had our claim closed due to "not providing the correct documentation." When we tried to appeal the claim, we had the exact same experience, except this time their Customer Experience team claimed we'd hear back in 1-5 days and we...never did. I'm not even sure our appeal made it into the queue. Absolutely absurdly frustrating!
Insurer: MetLife
By: Zoe Terhune