216,637+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 216,637 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 coverage and service for Wellness
So far, we have used Embrace for only wellness visits. After 2 years, we know that our claims will be handled promptly, with reimbursement checks arriving within a week. The online claim formatting is easy to follow.
Insurer: Embrace
By: dustin huber
Frustrated
I’ve been with MetLife Pet Insurance for several years and have never had any issues—until now. Lately, every time I speak with a customer service rep, I get different information. I’ve also been told I need to wait three business days just to speak with a supervisor. When I submit a claim, instead of being notified that additional info is needed, the claim gets closed. Then the only way to reopen it is by filing an appeal that must be signed by my vet—which is a lot of extra work that could easily be avoided with a quick email or call. These claims are expensive, and waiting months for reimbursement is incredibly frustrating. I really hope the process improves, starting with easier access to supervisors—maybe even offering scheduled callback times instead of playing phone tag. It would make a huge difference. I truly miss how this company used to be.
Insurer: MetLife
By: Adrienne
I very disappointed in this company my…
I very disappointed in this company my one year old English bulldog ended up with aspiration pneumonia and was very sick . We took him to an animal hospital because he started vomiting on a Sunday and his vet office was closed. They kepted telling us how Expensive the bill was going to be we understood all of that told them he had insurance they were happy to know that. He had one overnight stay and had to be in an oxygen box to help with his breathing. We found comfort in knowing we had him on insurance when this happened only when I submitted everything and it was denied for us to get anything back. We was going to renew his policy but not after finding out that won't cover any of this bill!!! Update I have called them very Frustrated wondering why and the lady informed me that they needed a an invoice of every single thing and was charged. Well that was the one thing I didn't have so then I had to call the animal hospital and they sent it email to me and I emailed that to them have yet to hear if they're going to do anything with that since they claimed that was the reason they denied our claim.
Insurer: ASPCA
By: Lisajd
Very appreciative of Rebecca she was…
Very appreciative of Rebecca she was very knowledgeable and helpful. I would do business with her again.
Insurer: Prudent Pet
By: Roberta Christiansen
Grateful to have Healthy Paws Pet Insurance
I signed up with Healthy Paws when I got my puppy in 2021. My monthly rate has increased by about $20 in the four years I’ve had it and my pup is very steady and is not accident prone, so I considered canceling earlier this year. Thank goodness I didn’t! She had a serious digestive issue which would have cost us $1600 in vet bills, Healthy Paws helped significantly with that and enabled me to feel comfortable pursuing further testing than I could have afforded on my own. About a month later my pup stepped on a bee and threw up. I decided to take her to the ER vet to be safe because I knew that I had insurance to help cover that, and thank goodness I didn’t! Anaphylaxis presents as GI issues in dogs and she was having a reaction from the sting that required immediate treatment. I was able to submit my claim from the vets office, and received updates and a clear breakdown of reimbursement within 24hrs. It’s been a little over a week and the Healthy Paws team reached out to follow up on how she is doing which I appreciated. Very grateful for their help in minimizing the stress that can come about from emergency vet care and the costs associated with it, it’s allowed me to be a better advocate and guardian for my dog.
Insurer: Healthy Paws
By: Leah Harr
Illness Coverage including surgery
Coverage when my dog suddenly fell ill with GI issues requiring hospitalization etc. Very easy to submit claims
Insurer: Spot
By: Prema
Melody was phenomenal
Melody was phenomenal. She was informative and incredibly helpful while navigating this process. Thank you!
Insurer: Nationwide
By: customer
Go with another insurance company
I’m learning the hard way that this is the pet insurance company that I should have bypassed for another. They were promoted, or affiliated with USAA which has all of my insurance policies, so I went with them. This is your typical “first option is to deny” insurance companies that they are so famous for. We had to take our French Bulldog to an emergency vet because he vomited and inhaled some of it and could have caused pneumonia. Our dog has a pre-existing condition for “noisy breathing” whatever that is? He’s a frenchie, they snort. Otherwise he’s a healthy dog. However, since aspirating some of his vomit affected his lungs (not sure how that wouldn’t) they denied our illness claim. So since an illness touched his lungs, it’s not covered even though his breathing didn’t cause the illness. Hypothetically, If a large dog bit my dog in the chest and punctured one of his lungs, I’m pretty sure Embrace would deny that claim, as they would claim that his “noisy breathing” played a roll in that injury. I am beside myself and will be shopping for insurance with another company.
Insurer: Embrace
By: C. Baker
smooth experience
smooth experience. get the money in a week with all the documents uploaded.
Insurer: Spot
By: YL parent
Happy little Campers.
I'm so happy and pleased with the quality of service your the Best One of the best insurance companies for my boys
Insurer: Spot
By: Melissa Mendoza