209,231+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 209,231 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.
209,231 total
What are you looking for?
Most selected providers in "February, 2026"
This chart shows the distribution of the most selected pet insurance providers in February, 2026.
Providers with highest rating
3 reviews
19,730 reviews
11,002 reviews
5,266 reviews
55,032 reviews
Category with most reviews
This chart shows the distribution of review categories.
Very poor claim service
I submitted a claim on 1-9-25 for our dog who had broken a toenail bad enough to have the vet cut it all the way back. Since that time AKC pet insurance has repeatedly declined to pay our claim saying the invoice was created using Aspose software that can be altered. Which is entirely incorrect. Our Vet does not use this software. Our vet has sent in an invoice, I have forwarded an invoice from our vet by email & so far nothing. These claims people need to learn to pick up the phone to contact a vendor if there is a question.
Insurer: AKC
By: JP
Another great experience
Sadie's spleen is irregular and has some kind of mass. As always, throughout our process with her vet Embrace has continued to respond to our claims with empathy and kindness, and the claims have been paid quickly, which is important to us as we are seniors on fixed incomes.
Insurer: Embrace
By: Barbara
It said there was an error so my order…
It said there was an error so my order did not go through. It kept saying wrong phone number when the number was correct
Insurer: Nationwide
By: Mary Zuidema
Customer Service is always great but…
Customer Service is always great but it's about the only thing they have going for them. Once you submit anything to them they send an obscene amount of emails asking for clarification. My vet (and myself) have sent them them the documentation they need 5 or more times and they still can't seem to get out together. They don't pay out on certain ER services, because according to them they are not ER services. When I'm driving to an ER hospital with a limp animal at 2:00 a.m. with no rhyme or reason, all life saving things the ER vet does at that point to bring my dog back to life feels like it would be ER coverage. But Embrace will deny it. They take forever to process a claim and when you call, the agents are very nice but it seems it's always "another department" who is dropping the ball. I submitted a claim that added up to $21K, my coverage is for $5K and I'm getting resistance on how much of that is covered. There is no way $5K of $21K isn't covered but Embrace will most likely find a way to not cover it.
Insurer: Embrace
By: Iris Pulido
Grateful
I am very satisfied with the Pets Best claim submission experience. I have had to file a few times, and each time, Pets Best has been very responsive and true to the policy. I was particularly worried about the most recent time I submitted because my cat had to go through an expensive surgery. I'm so grateful that I have Pets Best and was able to get a lot of the money back.
Insurer: Pets Best
By: Katherine
Prompt claim payment
Prompt claim payment
Insurer: Spot
By: Patricia Zimmer
Worst investment!
This company basically just steals your money every month for the premium and denies any claims you make, regardless of what they are. My dog had an ear infection, a fluke accident, and they denied the claim because they said it was a pre-existing condition. I don't understand how an ear infection is a pre-existing condition and even had my vet write a letter stating the exact cause of the ear infection and how it just happens in dogs from time to time, it wasn't caused by anything he's ever had previously and they denied both my appeal forms. They are greedy, won't pay for anything, and make the entire process horrible. There is no one to even call about discussing a denied claim, their call center doesn't know anything and can't give you any information as to the reasoning for the denial. They said there is no way to contact the appeals team directly which is just ridiculous. Do not get insurance with them, they deny everything and do not care about your pets, just making money off of you.
Insurer: Pets Best
By: Ryle
Just use ASPCA veterinary insurance
For some reason, Nationwide chooses to only communicate via snail mail like it is the 1800s. My credit card expired and rather than calling me or emailing me to let me know I needed to update my payment method, they sent me a letter, which I missed because I’m not Laura Ingalls. So then they cancelled my pet insurance policies. Once I noticed that I wasn’t being charged, I contacted them to get them reinstated. After weeks of back and forth because I asked them to TEXT or EMAIL me and they kept trying to CALL me during business hours, I was told that now one of my cats (at age 8) is too old to be covered for illness. They then claimed they would reinstate my other cat (age 4) with no issues, but then weeks later, I got an email (finally, an email!) stating that I would have to bring her to the vet before they would cover her. Prior to all this, when I had a cat pass away, they tried to reject my claim and I had to call them in tears and basically ask how they could reject my claim when the poor thing was literally dead. Then all of a sudden they told me that oh, someone put in the wrong code and I’d be reimbursed, but who needs that hassle? Having insurance with this company is like having a part time job, only you’re the one paying them. I was a customer since 2005 and they were very blasé about just dropping me. I have happily taken my business elsewhere.
Insurer: Nationwide
By: customer
Failed to Collect Premium Then Cancelled Policy
PetWatch24 transferred my policy to Hartville, telling me I did not need to do anything, and the policy and billing would continue. All of my details were transferred to Hartville including bank card details for payment. They failed to take the payment in January, and then contacted me by post to tell me my policy was cancelled. No email or phone call, but snail mail only. They did email me on Saturday 8 Feb, telling me coverage ceases on 10 Feb, but of course their phone lines are closed over the weekend. When I finally received the letter on Feb 8 (it took two weeks), I looked on the policy page to see no pet listed and no policy. When I called Hartville on Feb 11, they said they would see if the policy could be reinstated and would call me back. They didn't call, but DID take the premium for both January and February on February 12! When I called to ask why, they informed me that there could not be a lapse in coverage so they took January's money too! Even though my policy was not in effect and had been "cancelled". You can bet that if I had made a claim in January, they would have denied it. Their only alternate option was to restart the policy (Which was cancelled due to their error), and suffer a 14 day lapse in coverage. They refused to refund the payment for the month which was cancelled, and said it was state law, but would not provide me with that state law. They also said they emailed me on Jan 20 to notify me of the cancellation, but could not forward me that email either. They refused any goodwill payment to make up for THEIR ERROR. So I will be looking for alternate coverage, and advise everyone to stay away from Hartville - they certainly strive to maintain the poor reputation of insurance companies! I would not guarantee that they would pay out even if I was covered!
Insurer: Hartville
By: Nigel
Latest 2 comments
The exact same thing happened to me! I just got off the phone with them and I am LIVID!! All I got was an email stating that the policy was cancelled. No email or letters prior as they claimed. Also told me that they were unable to do anything even though my cat has a pre-existing condition. They also offered for me to enroll in a new claim and just kept taking me in circles. I hate that 24 pet watch has subjected us to this garbage
I also am disappointed that 24 PetWatch has subjected its customers to thus absolutely heartless and deceiving company. I just had a terrible experience unfold today. And in reading all of these reviews, I am not alone in how I was treated. I am going to post my review but a waiting on some further information… and then I got lost in reading all of these bad reviews, which I can totally relate to. We should all get together and file a class action lawsuit against this company.
HUGE RATE INCREASE AFTER 2 YEARS!
Got a 2 year old healthy GSD rescue. Have had insurance for two years (he is now 4 years old) and without any notice see the auto charge go from $53 to $80. That is a 33% increase with no claims. Be prepared that by the time your animal is getting older you will be paying THOUSANDS a year for insurance at this rate of increase. I DO NOT RECOMMEND THIS COMPANY. Put the premium you would pay in a savings account for your fur baby!
Insurer: ASPCA
By: B H