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Pet parents across the U.S. and Canada have left over 209,304 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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Horrible service and denial of coverage
I write this review one day after leaving a positive review for Alicia. I have been a customer since 2020 and submitted my first claim ever within the last week for my dog. Vet records going back to 2020 place a "note" on his chart 2 days before his waiting period ended that now led to a denial of the claim. Had I not sent the records from 2020 (which I barely remembered existed), would the claim have been approved in its absence? 2020 was a crazy time period for people and I got my dog in to see the vet when I could. To now see that for my first claim (mind you it's >$1,000) it is denied, it all feels very nitpicky for a time period where rules sort of went out the window with a focus on health and wellbeing. But not for Fetch. To me, this is not why I pay for Fetch and ultimately is the reason I just ended my policy. Also, rate increases have been unruly and to pay for another year of coverage when things would likely be noted as "preexisting" anyways, I might as well pay for the work my dog needs out of pocket and then he will have a clean bill of health with respect to that part of his body and another insurance company will not mark it as a preexisting condition like Fetch did. Such a shame and unkind business practice. (This was for mid-January 2025). To reply to the response from Fetch, one of my main frustrations is that I provided additional medical records after you all requested them. These records were from early 2020, and while on the phone with your representative, she told me clearly that many customers did not have records from that timeframe because of Covid and that it was acceptable if those records were unavailable. Rather than be lazy, I found the records and sent them to you all and they ended up aligning with the waiting period. If I had, like other customers likely did, provided no records for the Covid timeframe in 2020, it sounds like my claim would not have had standing to be denied. That’s my frustration. I went above and beyond to care for my pet, during a health crisis, and to provide those records to you all, and that’s now the basis for the denial.
Insurer: Fetch
By: Phil H
A huge scam and get ready for games
The amount of claims they pay adds up to less than 10% of the premium you pay each year. So why would anyone pay them all this money to still cover 90% of their own expenses and what have $600+ a year burning a hole in their pocket?
Insurer: Pets Best
By: Mike
Research carefully
Please research carefully before selecting this company. I don't object to their nonpayment of claims. They appear to select any reason to not pay a claim. Not only did I have to endure the trauma of burying her, here are two distressing excerpts from their response to my euthanazia claim. 'This condition and any related conditions or clinical signs would be eligible for coverage in the future provided your pet remains free of signs/symptoms/treatment for a full 12 months from the most recent occurrence'. 'As such, these and any future masses (including cancer) would be excluded from coverage by the policy.'
Insurer: Embrace
By: Peter Murdock
Foxy is fine!!
My only complaint about my vet is that I was first in line at 9a.m. on the day of surgery. I traveled 50 miles to the clinic, as they only do that in Pensacola. I was advised that I would receive a call when Foxy goes into surgery. No time line was offered -- she went into surgery after 6pm!!! This is highly unacceptable, but Dr. Story is the 'only game in town ' as an opthomology vet.
Insurer: Pets Best
By: Arleen
Dealing with Embrace is a pleasure
Once more I found dealing with Embrace a pleasure. Pretreatment estimate was easy to submit and get approved. The online submission process is very clear and easy to navigate.
Insurer: Embrace
By: Peter K
Very satisfied
Figo covered all new illnesses, great customer service
Insurer: Figo
By: Farah
Best Pet Insurance
Excellent service, claim filing is fast and easy on the app and I can always get answers to questions quickly. Payments are always accompanied with a breakdown that is easy to understand. Thanks PetsBest!
Pets Best is amazing!
I recently lost my dog Olive unexpectedly during a procedure. It was heartbreaking. I was so distraught I could not bear to even call them to have Olive removed from my policy, and I kept procrastinating to avoid the pain, knowing there would be a premium due. However, Pets Best paid the final claim and sent me an email that they were so sorry to hear about Olive and removed her from the plan and updated the premium. They have been wonderful and empathetic. I highly recommend Pets Best.
Insurer: Pets Best
By: Jill
First time using pet insurance
Recently we got a new pup- Pets Best was recommended to us from a friend. We found the coverage that was perfect for us (to include coverage for some well visit needs as well), downloaded the ap, and found the entire process easy, transparent, and overall great! Reimbursement was quick, and seamless. Account linked for both monthly auto payments, but also auto reimbursement. Would absolutely recommend Pets Best.