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Faulty record keeping system
I had to send treatment info three times because their system seems to lose records and doesn’t follow-up
Insurer: Healthy Paws
By: Max the Cavalier
A few issues with a large claim
A few issues with a large claim. I called the Healthy Paws call center, the first time to determine coverage for an emergency surgery for my dog. I called from the animal surgery center. Then I called the call center again, a few weeks later on paperwork issues regarding the claims process. I was disappointed in the call center, as I did get "stock" answers for both calls. The one call center associate, on the second call regarding paperwork issues, appeared to keep reading from a script repeating to me the same answer a few times. My question had nothing to do with the answer I kept getting. Very ambivalent answers and not very knowledgeable individuals on two of the three calls I made. The third associate seemed to have a bit more knowledge. Suggestion for the future. A claims representative who is knowledgeable about policies and can access them should be on call to help frantic pet owners determine their coverages in an emergency. In defense of Healthy Paws, I did not apparently send in the correct document the first time for reimbursement, so that delay is on me. However, I had to log in to my Healthy Paws account to find the notification. When I did send in the new additional document the review time was shorter. It would have been nice to have been sent a personal email to my email address on file that there was a notice to me on my account. And this item needed attention. I happened to check on the claim a week later to find the request. However, ultimately my dog surgery was covered per the policy guidelines, and I am thankful that it was covered and I had the policy that I had in place. It was very helpful. No complaint as to the coverages and the reimbursement disbursed.
Insurer: Healthy Paws
By: Lisa Cherry
great
great ! Easy step by step process to get your fur babies taken care of !
Insurer: MetLife
By: Holly Dishman
Very happy I chose MetLife for my fur baby!
This is the first pet insurance company I’ve used for my 3rd beagle Violet. The claim application is simple to use….the turnover and processing of claims speedy and payments received quickly. Customer service has always been very helpful the few times I have called. I definitely recommend MetLife coverage for your pets.
Insurer: MetLife
By: Marie Spotter
They'll find a way to not pay
They'll use any excuse to not cover anything they say they will, thieves
Insurer: Nationwide
By: John Heim
Patience and friendly voice for…
Patience and friendly voice for clarifying my understanding
Insurer: Nationwide
By: customer
Embrace Pat insurance is very helpful
Embrace Pat insurance is very helpful. Easy, especially with their app to Download claims and they get back to you very quickly with your reimbursement, either by mail or direct deposit. I have had embrace pet insurance since my dog has been a puppy. She is 6 years old now. And it has really helped us to have this for her & ourselves.
Insurer: Embrace
By: Isabel
PREDATORY PRACTICES: Embrace Ignores Specialist Evidence to Deny $6,638 ClaimDo not trust
They are using circular, junk-science logic to deny a $6,638 diagnostic claim for my cat’s bone-eroding pathology 。They claim a common runny nose from Feb 2025 is the same as 2026 Erosive Rhinitis。Their logic? Since I didn't perform a $6,000 CT scan for a minor sneeze a year ago, they can "assume" any future issue is pre-existing。This is an impossible standard of care.Even when a DACVIM Specialist clarified that the conditions are unrelated and the previous infection was never proven, Embrace refused to overturn the denial 。They are overriding a specialist’s medical diagnosis with their adjusters' speculation. Formal complaint filed with the California Department of Insurance.
Insurer: Embrace
By: Kyle Zheng