208,199+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 208,199 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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Thought it was good, then it turned bad real fast
My cat has been to the vet several times in the past year. Long story short, we are working on diagnosing gastrointestinal issues and it took several visits to even realize that's what it was. I had no issues with claims until his past visit. They denied it, claiming that I didn't have the right medical records, so I tried for the next month to provide everything, but they kept denying it, despite me giving everything I had. Customer service wasn't helpful, but I finally got an answer out of them as to what they needed. I submitted the extra documents, and they instantly denied my claim with no explanation as to why. What am I paying for? I have been trying to get my coverage for the past month and they won't even give me my explanation of benefits to tell me why they are declining me. Unless this is rectified, I'm cancelling by this weekend.
Insurer: ASPCA
By: Noah Bucci
This year they are more than doubling…
This year they are more than doubling my insurance premiums!! For no apparent reasons but "the vet bills increase in the US these days" and “your cat is getting 1 year older” . I don’t think it’s a good reason to double an insurance premium . AND they had already increased it the past year. What is it gonna be next year? triple? Also they don’t cover prescription food- Only prescription medication- Beware!
Insurer: Embrace
By: Julie
I needed an appeal,$250
I needed an appeal, A $250. deductible was added on to my bill, it was an error, It was taken care of immediately, it took two days for my refund of $250, to appeared in my bank account. Thank You for your immediate attention on this error...
Insurer: Trupanion
By: PROVIDENCIA N
What is advertised is not what you get
It wasn’t clear when I started paying into the insurance plan that they do not cover emergency exams, or taxes. So instead of paying the $600+ that I expected, they only paid out $270. Their policy makes no sense and does not cover the things that are needed. I am truly disappointed.
Insurer: Trupanion
By: Andrée Lamarre
Most things that I needed were not…
Most things that I needed were not covered. So by the time I paid the premium and the cost of the service I basically broke even which saved me $0 hence rendering the insurance useless.
Insurer: Figo
By: Yikina Parker
So easy completing this process!
So easy completing this process!
Insurer: MetLife
By: Wendy Averett
DO NOT PURCHASE
If I could give Embrace a 0 I would! Genuinely don't even bother getting pet insurance at all. After submitting almost $1,000 of vet bills, Embrace reimbursed $0 of it. Mind you, this was after months and months of trying to get them to even review the claims. They claimed that our cat had a preexisting condition (a fully healed Upper Respiratory Infection she had while she was in the shelter) even though the vet literally stated in the first appointment that this was NOT the issue, and even after spending hours on the phone with them, Embrace only conceded to reimburse us $98, which is well under what we are owed. We are cancelling our plan immediately and are beyond disappointed in not only the pet insurance itself but the staff who seem entirely unempathetic and unable to use a single ounce of logic in assessing claims. Update: See their stupid response to this? Did they even read the review? This type of response is exactly the issue with Embrace. In my review, I clearly stated that my cat did NOT HAVE A PREEXISTING CONDITION not even in the terms you defined it in the policy contract. Also, absolutely hilarious to say you "see a team member has provided additional information" in reference to an automated email response confirming the cancellation of my insurance plan. Don't act like you did your best attempt to right this situation; all you guys want is to take our money, you really could not care less about the health and wellbeing of the animals involved.
Insurer: Embrace
By: Lucie Edwards
If you truly love your pets
If you truly love your pets, pet insurance is a must-have. My beautiful English Cream Golden Retriever went in for a routine tooth check, and thankfully, my excellent vet detected a minor heart murmur during the exam. I immediately took action, found a veterinary cardiologist, and got her heart thoroughly evaluated to determine the next steps. The combined cost for the two vet visits plus the specialist consultation came to nearly $1,000. Thanks to our Spot pet insurance, our out-of-pocket expense was only about $175. At 6 years old, my ECR is just as precious to our family as our children. If you want peace of mind, the ability to provide the best care without financial stress, and to keep your beloved companions healthy and by your side for as long as possible—pet insurance (like Spot) is one of the smartest investments you can make for them. It's worth every penny.
Insurer: Spot
By: Bobby Edwards
Worst customer service
Worst customer service! They don’t pay for nothing! $72 a month wasted
Insurer: Spot
By: Vickie bennett