154,902+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 150,000 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our review hub makes it easy to compare top providers and find your perfect match.
236,321 total
What are you looking for?
Most selected providers in "November, 2025"
This chart shows the distribution of the most selected pet insurance providers in November, 2025.
Providers with highest rating
20,339 reviews
10,806 reviews
27,505 reviews
14,171 reviews
63,021 reviews
Category with most reviews
This chart shows the distribution of review categories.
Trupanion is happy to take your money, but quick to deny claims
I have had Trupanion for my 3 dogs for 4 years, 4 years for my first dog & 1-2 years for my 2 newest dogs. I have paid roughly $130 a month for the last 4 years. So roughly $6000 paid into the plan so far, and I’ve never had to use it. My dog River ended up getting heartworm which was discovered about 6 months after I got her and they believe it’s because when I rescued her off the side of the highway that she had just got infected with it and it was too early to show up in her first few tests. I have given her heartworm treatment every single month since I got her. Well a few nights ago apparently one of the heartworms flipped and caused a blockage and almost killed her. I had to rush her to the ER and she stayed overnight on oxygen costing me close to $1k. I thought “man I’m glad I’ve been paying into health insurance all these years, I can finally use it”. So I submit my claim only to get denied because they say it’s preventable. Even though they can clearly see I buy it from my vet every month, since before she had it, so they know there was no way for me to prevent it from happening, and even though they’ve happily taken $6000 of my money, they won’t reimburse the just under $1000, which after my $250 deductible and 10% I pay, would’ve been more like them reimbursing me $650. They’re great when you’re on the phone with them selling you the insurance making you feel like you won’t have to ever worry about anything, until something actually happens. I even talked to them after the ER visit about how to go about submitting the claim because I had never done it before, and I clearly told them it was due to her heartworm issue, and they never once mentioned or said “we don’t cover heartworm issues”. That would’ve been nice to know ahead of time. You’re better to just open a dedicated savings account and putting the money you were going to pay into the insurance plan into a savings plan to use for your dogs. Either that or go with one of the other pet insurance companies that do cover heartworm because there are plenty that do. Would’ve been nice to know ahead of time. Seriously considering canceling my plan. What’s the point of paying them thousands of dollars when they leave you high and dry when you finally need to use it.
Insurer: Trupanion
By: Shane
Very understanding and empathized.
Very understanding and empathized.
Insurer: Embrace
By: Rowena Downing
You and your underwriters suck
You and your underwriters suck! I got my previous dog bandit your insurance when he was 7 years old. I was happy with the plan and had no complaints. I called for insurance on my dog Jesse who is 6 years old. They won’t cover him due to his age. That’s absurd! You suck!
Insurer: Embrace
By: Janet Pearson
The agent answered quickly and was able…
The agent answered quickly and was able to help me right away. He reset my email for me.
Insurer: Embrace
By: Robert Greenawalt
Terrible experience
Terrible experience. They denied every claim stating it is a pre existing condition or not covered. Don’t bother wasting your money with Embrace.
Insurer: Embrace
By: Kaleh LeDoux
Spot is easy to use
Spot is easy to use, timely and well run. They are the best pet insurance out there.
Insurer: Spot
By: Perpetua Phillips
Savannah
My experience so far has been very good with claims and processing. They respond quickly and are helpful filing the claim.
Insurer: Spot
By: Irma Flynn
Quick on the drawl...
I get reviews from the staff in the midst of my dog being tested for bone cancer... Who cares about exclusions about her skin condition... Then things went well, received two claims, but the 3rd is still in review... After I sent a request about a new procedure to be done on her, I have yet to hear back....
Insurer: Embrace
By: Fr j
Scam of insurance .
Scam of insurance .. they don’t pay ..
Insurer: Embrace
By: Gianfranco Morgese
Truly the Best
I wasn't a policy holder for very long, but I must say that I was quite impressed with Pets Best when it came down to claims, explanation of benefits, and being every bit what I would expect an insurance company to be. My dog became ill suddenly - it was barely seven days time from the noticing she wasn't eating much to holding her while she drew her last breath. I was devastated - we didn't know what was wrong with her and her health declined so rapidly that we couldn't even run the testing needed to determine the problem without killing her…that feeling of utter despair of seeing her in need and not knowing what was wrong coupled with not being able to do anything about it is something I hope no one ever has to experience. So as one could imagine, I wasn't looking forward to having to deal with the claims and handling the insurance, but Pet's Best made it hassle-free. I used the app and uploaded my documents for four claims in less than an hour without having to speak or explain anything to aynone. I received an email confirmation for each one when it was received the next day, and was notified again a few days later by a message confirming that Pet's Best had all that they needed from me to proceed. The piece of mind this provided me was priceless and I really appreciated the communication with them - straight forward, not complicated.or time consuming - I even received an email within 5-6 days apologizing for the time it was taking to process the four claims, which was helpful again in managing the stress of having drained our savings in our futile attempt to help our friend. I had even forgotten to cancel the policy and didn't realize it until I had been charged for the third month, and all it took was a 45 second conversation with an Pet's Best customer service rep to have my policy cancelled, my payment refunded, and the previous month's payment pro-rated and also returned. It has been two weeks today, and I just received the email this morning that my claims are finished and telling me when I should receive my payment. Thank you for making it easy to be a customer! When the time is right and an addition to the family is made, I will be using Pet's Best again."