217,806+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 217,806 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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Pet Insurance 1st Experience
MetLife was very timely paying all claims. No issues with 1st year puppy treatments and coverage
Insurer: MetLife
By: Keith Gocal
Beware: Bait-and-Switch Pricing That Betrays Loyal Pet Parents
I’ve had Healthy Paws insurance since adopting my girl at age 1. Back then, I was paying around $40/month. Over the years, despite never meeting my deductible and having a perfectly healthy pup, my premiums steadily rose—eventually reaching $93.25. I stayed with them because I believed the rhetoric that early enrollment protected me from age-based price hikes, and I knew it would be difficult to get new coverage as she got older. Yesterday, I received notice that my monthly premium is jumping to $236.81 in just two months. That’s a 254% increase from what I’m paying now—and nearly a 600% increase from when I started. For the exact same dog. With zero claims. I feel blindsided and betrayed. This is not just inflation or rising vet costs—this is a textbook bait-and-switch. Healthy Paws markets itself as different, claiming their premium increases are based on broader trends, not your individual pet’s age. But that’s clearly not true. Only now did I learn there was a class action lawsuit filed over this very issue. I wish I’d known sooner—but the damage is done. After years of faithfully paying premiums just to preserve coverage for my aging pup, I now can’t afford the care she might need because the rug has been pulled out from under me. It’s heartbreaking. Healthy Paws built its brand on compassion and transparency. This is neither. If you’re thinking of signing up, read recent reviews. This story isn’t unique—just buried until it’s too late.
Insurer: Healthy Paws
By: Justin Meli
Great Service
I reached out to customer service via the chat feature and they were very helpful, friendly and informative. Once I completed all the steps I received my reimbursement quickly and easily.
Insurer: MetLife
By: Lindsey
WORST COMPANY IN THE WORLD …
They deny everything and request paperwork 6 or 7 times before they ever accept....THE ABSOLUTE WORST COMPANY I'VE EVER DELT WITH....
Insurer: Embrace
By: Joe Mac
The Best of the Best
I've had Embrace since 2018 and have a difficult time when reading some of the negative reviews. In all the years I have been with them, I have yet to have a problem with any of my claims. There have been a few things that I was uncertain about coverage on a specific treatment, but if it wasn't covered (and there isn't much that Embrace doesn't cover) it was always explained. Say what you want, but if the price increases, your pet also gets older and more issues may arise. It doesn't matter to me what the cost is. There is nothing that I can put a price on when it comes to Cooper.
Insurer: Embrace
By: Ruth Nelson
Customer Service is Awesome!
The customer service is awesome and they reply in a timely manner on requests for reimbursement for insurance claims.
Insurer: Embrace
By: Alfredo Uribe
Highly Unethical Behavior
Same feedback as other reviewers recently. I have had my pet with this insurance company for 9+ years. Over that time, I have taken him in only twice for minor incidents that I had bills of less than $300 each. He just turned 11 and his insurance has gone from $65 a month to $160 a month. From what I see other reviews, I fully expect it to go up to $500 next year. This means that they are purposely trying to kick people off of their insurance as your pup ages which is at least unethical if not down-right illegal. Please research other providers before using this company.
Insurer: Healthy Paws
By: Tom Roberts
Ease of submitting a claim and quick…
Ease of submitting a claim and quick processing make this a 5 star experience.
Insurer: Spot
By: Vinny T
Embrace insurance always helps me to go through the financial burden.
I bought embrace insurance when my golden retriever was a puppy. She had surgeries and diagnosed with cancer. Embrace had helped me with pet bills. The customer rep. always answers the phone with timely manner and very respectful. I recommend embrace insurance to all pet owners.
Insurer: Embrace
By: Angie Tantri
Very helpful
HealthyPaws is very responsive and promptly handles claims. It is very easy to file a claim, without a lot of paperwork.
Insurer: Healthy Paws
By: Michelle