216,637+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 216,637 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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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
It was quick and simple to understand
It was quick and simple to understand
Insurer: Sonnet
By: Robert Rowles
Filing claims is extremely easy, but
Filing claims is extremely easy. At the beginning, it took FOREVER for claims to be closed. Now it is going a little quicker. They have denied items based on reading documents incorrectly causing me to have to file an appeal. I too signed up because they are associated with Costco. The one thing I can count on…..they definitely take their premiums on time!
Insurer: Figo
By: Ms. D.
My two dogs both needed dental work…
My two dogs both needed dental work which was very expensive, MetLife covered most of it. Such a relief!
Insurer: MetLife
By: Karen
Karly-Professional, knowledgeable, friendly consultant
Karly was very knowledgeable, patient and helpful in walking me through all the options available for both the wellness and accident insurance. She was friendly and cheerful while explaining the different options and answering my many questions. It was a lot of information and she definitely helped me make an informed decision. I am very confident in my choice due to the knowledge I acquired while talking with Karly.
Insurer: Fetch
By: Ann Marie Bradley Shannon
Their policy: "Deny, Deny, Deny"
Every claim that I made was at first denied. I had to call Spot and fight with them each time in order to get any payment at all. And this after turning in invoices that clearly stated annual exams, vaccines, fecal tests, etc. They claimed I turned in an invoice for vitamins. I only turned in two claims while with Spot and both were denied and then paid after I called them and complained.
Insurer: Spot
By: Darci
Best pet insurance
The speed of replying to claims is outstanding.
Insurer: Pumpkin
By: Micheline