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.
235,974 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
20,329 reviews
10,791 reviews
27,484 reviews
14,162 reviews
63,005 reviews
Category with most reviews
This chart shows the distribution of review categories.
Waste of money
Everything will be a preexisting condition and denied coverage, including curable infections that have been healed. Waste of money.
Insurer: Spot
By: Kelly
spot did not cover my valid claim for…
spot did not cover my valid claim for a biopsy ,they denied it check all of thier reviews. I just filled a BBB complaint . Spot responded here but never contacted me . I called 1/07/24 and the representative couldn't locate a manager /supervisor and they also have not responded to my email. Check Spot reviews on yelp ...Revised Statement: It has come to my attention that Spot Pet Insurance canceled my policy as of November 2, 2024, without providing any prior communication, explanation, or refund for unused premiums. On January 13, 2025, I contacted customer service, where a representative appeared unclear about the matter and informed me after an extended call that the issue would be escalated to senior management. Despite this, I have received no follow-up communication or resolution. I subsequently filed a complaint with the Better Business Bureau (BBB). However, Spot Pet Insurance responded to the BBB with a generic statement claiming they are resolving the matter with me, which is factually incorrect. I have initiated all communication, and no manager or higher authority has been made available to address my concerns. Customer service has proven unhelpful, and this lack of transparency and resolution is unacceptable. I am formally escalating this matter by filing complaints with the New Jersey Department of Banking and Insurance (NJDOBI) and the New Jersey Division of Consumer Affairs to investigate Spot Pet Insurance's handling of this situation. I reserve the right to pursue all appropriate legal remedies should this matter remain unresolved.
Insurer: Spot
By: Day
Wellness Coverage
Our new puppy has been to the vet twice for vaccinations, and both times, the claim was approved immediately. My account was set for direct deposit and the refund was deposited within a few days. Download the app on your phone, take a picture of the itemized vet receipt including your payment, and send it to Pets Best. "
Dropped Nationwide and Chose Pets Best
So far, so good. Seems like a good insurance company. Reimbursed for my Heartguard Plus!
Denied a wellness exam reimbursement…
Denied a wellness exam reimbursement for lack of medical records. That was her first time going to the vet she has no medical records. I won't be wasting any money on this company!!!
Insurer: Pets Best
By: Christine Kent
Severe pancreatitis in the ER
"On a Saturday evening, my miniature bull terrier Stevie abruptly started vomiting and having diarrhea non-stop and was very seriously ill. I've never taken any of my dogs to the ER vet before but this time it was absolutely necessary. I rushed her to the closest ER where they thankfully got her back quickly and started her on pain and nausea medications and fluids while trying to diagnose what the problem was. They suspected pancreatitis or bloat with the possibility of a GI obstruction, she was very sick. Thankfully surgery was avoided and after 2 days in the hospital Stevie came home and has now made a 100% recovery but it was very scary and very serious - the vet couldn't reassure me she would be ok and make it out when they admitted her. Thankfully I didn't have to worry about finances during these worry-filled couple of days as I knew she had excellent coverage through Pets Best. They processed the claim quickly and $4900 was in my bank account a week and half later. Thank you Pets Best!! "
Mixie The Terror
Pet's Best has been easy to work with in filing claims and getting reimbursed in a timely manor.
I just turned in my claim
I just turned in my claim, but this is the second claim (different dog), and Embrace handled it fairly. I just turned this claim in, and am pleased with how easily it is to maneuver around the web site.
Insurer: Embrace
By: K Farrill
SPOT HAS PROMPT PAYMENT
SPOT has been great the few times that I had to use them for my Pom. Very prompt on payments for shots.
Insurer: Spot
By: BBJ
Payments increase at extreme rate every year
I couldn't tell you what the payout process is like because I never had to make a claim. YET, my policy started out at $63 a month, the next year was $86, the next year went to $98 and this year they wanted $132 a month. I can't imagine what the monthly charge would be 5-6 years from now when I would likely need to use the policy. I cancelled and just started putting $150 aside for vet bills. If I would have put away $100 a month from the beginning I would have $3600 already and $10k by the time I likely need it.
Insurer: Embrace
By: Jeffery Hall