154,902+ Pet Insurance Reviews You Can Trust
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.
236,135 total
What are you looking for?
Most selected providers in "November, 2025"
This chart shows the distribution of the most selected pet insurance providers in November, 2025.
Providers with highest rating
20,332 reviews
10,797 reviews
27,491 reviews
14,162 reviews
63,007 reviews
Category with most reviews
This chart shows the distribution of review categories.
Customizable and Wellness Option count us in.
After Much Online research and phone calls to various companies Fetch gave us the most customizable policy and as a new puppy owner their wellness option is ideal. I have just filed my first claim so let's hope that goes smoothly as well.
Insurer: Fetch
By: Amy Corkill
Prompt reimbursement
I have the wellness plan for my 2 year old Jack Russell Micah and opted for the direct deposit reimbursement. He was seen by my vet 12/25, I submitted the claim on line 12/27 and the money was in my account 12/30. Pumpkin was recommended by my vet and I am very glad I enrolled him in the wellness and illness/injury policy.
Insurer: Pumpkin
By: Beverly Cronin
This company is a scam
This company is a scam. I’ve had my puppy for 5 months. I took her to the vet once because I thought maybe she had a UTI because she was peeing a lot. They ran a bunch of tests and couldn’t even confirm she had a UTI but gave her an antibiotic. The doctor said she had a recessed vulva but most of the time puppies grow out of it. A couple months later she got a little stomach bug and had some diarrhea. They gave her an antibiotic and probiotic to help her belly. I don’t think either of these issues are uncommon for puppies. A couple weeks later I get an email from embrace saying they are deeming her with a recessed vulva as a preexisting condition and they are excluding any and all treatment of her entire vaginal area as a permanent exclusion to reimbursement. They also, get this, are making VOMITING a preexisting condition ALONG WITH ANY AND ALL CLINICALLY RELATED SYSTEMS a preexisting condition that they will make permanent if my puppy gets sick again within the NEXT YEAR. It’s a complete waste of money. Basically, anything that you take your puppy to the vet for will be deemed a preexisting condition during their grossly long waiting period. It’s just a way for them to collect your money and not have to pay out for anything. If you get this insurance, keep your dog in a bubble for the entire waiting period.
Insurer: Embrace
By: Christopher Massari
I am getting tired of repeat requests…
I am getting tired of repeat requests for invoices. This is so annoying when you are quick to collect your money for this policy.
Insurer: Embrace
By: Martha
Easy process for submitting a claim
The process for filing a claim was user-friendly, simple and very easy to navigate.
Insurer: Embrace
By: DAWN & THEODORE
It's a big scam, very dissappointed from the start
So far my experience has not started off on the best foot. I found out that my dog isn't even covered for illness for the first month because of a waiting period which is 30 days for illness and 5 days for accidents. I can understand there being a waiting period (although 30 days is a long time), but I should not be charged the full price for the period I'm not receiving the full benefits. Would it not make more sense to prorate the first month or start charging as of the month your coverage actually starts? I get that the company is in this to make money, but open fraud like this is just plain dirty. Not only are they charging me full amount that month, in addition I had to pay extra for registration fee so I can be "put in their system". Being a web developer myself, I know it costs 0 dollars to put a user in your system especially since the user did all the work for you. If you haven't figured out how to automate this by now, then that is on you and shouldn't be an extra charge on the customer. Best explanation I got for this was because it was "the industry standard". Basically reaching into my pocket because they know I don't have a choice. Edit, I did have another complaint here originally but they called me and they explained the issue and I removed that complaint as it was a misunderstanding on my part, so I admit to being wrong on that and I apologize. However, I do stand by what I wrote above. I increased my rating due to them reaching out and trying to explain things, but I still don't agree with their policy on charging fully and not providing full coverage. Update: So a month passed and I called to ask if there is anything my dog would not be covered for him and this is where I realized this company is just one big scam. Basically my puppy had an upset stomach due to the food he was on, so now because he vomited they are now not covering anything relating to vomiting and "licking". I mentioned to my vet that the dog likes to lick himself sometimes and she added in her notes that the dog "licks himself" so they added to their policy that anything related to licking can be not covered. WHAT??? And guess when they decide that, when you submit the claim they will decide if they feel that licking is connected to the problem you were taken to the vet for at that time. This is just hilariously bad company. I would steer clear from these guys. Then I asked about their guarantee of money back, they will not refund my first month because I'm 3 days late. They give a "30" day money back, but they wait "33" days to tell you they won't cover your dog, so that they can keep the first month, you know that month where you were not covered to begin with? Just absolute scam.
Insurer: Trupanion Canada
By: Bojan
Whenever I submit claims they ask for a…
Whenever I submit claims they ask for a history from my vet. My vet immediately sends them but Embrace keeps sending messages stating they didn't receive them. So then I have to ask for the same exact thing and send it with a message stating they were supplied the same day it was requested. This has happened to me more than once, my vet tells me that it always happens to them with this company. Just be aware you will have to do more leg work than normal.
Insurer: Embrace
By: Dena Moritz
If only our human insurance was this…
If only our human insurance was this good. Embrace pays promptly and has an excellent support team, just a phone call away.
Insurer: Embrace
By: Susan Tipler
Pets Best - No Hassles Reimbursement
claims story: "I have Pets Best insurance on both my dogs. Never expected our Border Collie would develop an issue a few days after his 3rd birthday. PetBest was there for us and had no issues covering the Primary Vet, Veterinary Ophthalmologist and Veterinary Dermatologist along with the medications. Absolutely no issues or challenges for reimbursement. Ty to Pests Best."
Pets Best - truly the best!
They topped my list when I got insurance 5 years ago for our puppy. Now she’s 5 and needed ACL surgery and they have been awesome on all levels!!