218,808+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 218,808 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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Slow on reimbursement
MetLife used to be incredibly fast for reimbursement. However, that is no longer the case. We’re usually left waiting around 4-6 weeks before we see any movement in claim status on the app/reimbursement.
Insurer: MetLife
By: Longtime customer
The app is so easy to upload documents…
The app is so easy to upload documents and submit claims. I love that it gets direct deposited to my account
Insurer: MetLife
By: NANCY MACKENZIE
dishonest compmany …
This comp[any has been borderline dishonest trying to block my very legitimate claim. Demanding Medical records for the last 2 years when thy only said the waiting period was seveeral weeks for new claims. I submitted the records which show this is a new claim and they send me emails denying they received them which is a lie they arejust trying to get out of paying a legitimate claim. allan M. Shanberg MD
Insurer: ASPCA
By: allan miles Shanberg
A BREEZE!
Uploading my receipts to support my claim was super easy! I was able to do everything using the web browser on my iPhone. I appreciated receiving email notifications confirming my claim submissions and that the claims were being processed.
Insurer: Spot
By: Dani R
Embrace is SO FAST to process claims
Embrace is SO FAST to process claims, and reimburse me. I am totally satisfied with this pet insurance company, and it's service!!!
Insurer: Embrace
By: Carla Barnes
Don't waste your time or money
ASPCA Pet Insurance has been a complete disappointment. They 𝓭𝓮𝓵𝓪𝔂 processing documentation while simultaneously rushing to deny claims - they denied multiple separate claims, claiming they "couldn't obtain documentation" despite my uploading all requested documents the day before the denials were issued. The timing alone proves they never actually reviewed the documentation I provided. When I had to resubmit everything via email and request reconsideration, it became apparent that this is likely a standard practice to 𝓭𝓮𝓷𝔂 legitimate claims without proper review. More recently, they've denied additional claims for one of my cats with zero explanation whatsoever - claims that should clearly be covered under the policy terms. When challenged, they 𝓭𝓮𝓯𝓮𝓷𝓭 their inexplicable decisions rather than provide actual justification. If I had the time and resources, I'd 𝓭𝓮𝓹𝓸𝓼𝓮 their executives under oath about these practices. The pattern is unmistakable: collect premiums, create processing delays, deny first, then defend the indefensible when customers fight back. This isn't insurance - it's legalized theft through bureaucratic obstruction. For a company trading on the ASPCA name and reputation, its claims handling is disgracefully predatory. It's happy to take your premiums but will use every procedural trick to avoid paying when your pet needs care. Save yourself the frustration and find an insurer that actually honors its policies -- or better yet, deposit the money you would have spent on premiums into an interest-bearing account and pay yourself back when needed. ASPCA Pet Insurance appears designed to collect premiums while systematically denying legitimate claims through "processing errors" and unexplained rejections.
Insurer: ASPCA
By: Andrew Rich
Reimbursement was very quick
Reimbursement was very quick. Easy to file no problems at all.
Insurer: Spot
By: Lisa Grier
Changing my insurance when this ends
I am leaving aspca insurance in March when my policy ends. They raised the price to $88 and they only give a small portion back for preventive treatment and dont add it to the deductible. I spent $1000 for spaying and a tooth removal and got $175 back and gave me 499.30 for my deductible! Couldn't even give me the $500 to meet my deductible. I took my dog back for her second distemper shot and I spent $50 and they denied it. Unless its not preventive care it will not go to the deductible. Im going to join AKC health insurance. Maybe sooner than later. Its easy to put in a claim but im just done giving $88 a month way and only get a Little bit back. Its not worth it! Waste of money.
Insurer: ASPCA
By: Michelle Coughlin
Jessie provided curteous and…
Jessie provided curteous and professional support in account management and advice.
Insurer: Embrace
By: Ron Forehand