218,644+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 218,644 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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Guessing Game
Pros: - it is easy and intuitive to submit claims - employees are friendly and pet-focused Cons: - the 1st claim can take over four weeks to review and process - the time it takes to process subsequent claims varies; sometimes reimbursements only take 48 hours, but you will likely wait the full three weeks on average - lack of communication when claims are “in review” - double check your initial intake paperwork for “pre-existing conditions” I met my deductible, have a $50 healthy credit, and $1,000 of dental illness coverage. I submitted a claim on 10/21 and am still waiting. When my husband and I called to inquire about the wait, we were told, “Embrace didn’t ask for additional documentation. I don’t see why this shouldn’t be processed within our 10-15 business day window.” Not exactly helpful. Please understand how frustrating it is to front thousands of dollars on top of monthly premiums, only to feel it’s going into the abyss when our babies are in need. I wish there was a better process in place for pet insurance across the board.
Insurer: Embrace
By: JP
Filing a claim is relatively easy
Filing a claim is relatively easy, turn around on reimbursement was very quick. My only comment, not meant to be negative, is I would like to see the EOB on the claim and also an easier way to see the benefits, just like for a human :)
Insurer: Spot
By: Robbin Lee
This is for testing use only
This is for testing use only
Insurer: ASPCA
By: Test plant
Great decision
The representative was very kind and knowledgeable.
Insurer: Embrace
By: Strawberries
The worst
I put in a claiim two months ago. I called four times still nothing. I wish i went with another company. Now im stuck. I keep getting promises it will be done.
Insurer: MetLife
By: Lisa
Thank You healthy Paws
Unfortunately my dog at a foreign object and needed major surgery. My wife and I were worried about the coverage and maybe getting push back from insurance company, But in a matter of a few days i got approval from them on the medical bills no question asked. It was great as we shifted our focus on our beautiful dog's recovery. Thank you Healthy Paws! Highly recommended!
Enormous price increases
Although I think Trupanion has provided us with good care, the exorbitant price increases make it so I can not leave a positive review. Within the contract that we signed there is a provision for "minor price increases". Our original monthly payment was $89/month. Within the last year and a half our prices have increased to $132/month. This is an increase of almost 50% and FAR beyond a minor increase. The reason stated was that "the cost of veterinary care has increased in our area". My sister is a veterinarian and I know that this is not the case (or certainly not enough to justify a 50% increase over a year and a half period). We will be switching providers at these prices. Protect yourself from ridiculous price increases and go elsewhere.
Insurer: Trupanion Canada
By: Sherry
Violated Human and Charter Rights
Fetch has violated my human and Charter-protected rights as a disabled person by denying a six-day accommodation for a delayed claim submission, which was due to my cognitive disabilities. I filed a claim with the HRTO, to which they initially failed to respond. When they finally did respond, it was to request an extension of the response deadline amounting to an astonishing 67 days. The hypocrisy is glaring. Upon responding, they escalated their stance, reinforcing their ableism and discriminatory actions. The level of blatant ableism exhibited by Fetch is appalling, reminiscent of a bygone era. Their conduct has been profoundly egregious. This case is ongoing.
Insurer: Fetch
By: Ferg
One of my vet asst.recommended Fetch as…
One of my vet asst.recommended Fetch as she has this insurance for her furbaby. I looked at all insurances and found Fetch to have the best coverage at an affordable price for my beloved pet. Furbabies are like children and you never know what can happen. From an injury, to an illness to a dental issue, which in my case is what happened to my puppy. Although I don't think I've reached my deductible yet I was still glad to have the coverage for future problems.
Insurer: Fetch
By: Sherri Robertson
Had to turn in 3 claims and was done…
Had to turn in 3 claims and was done very quickly Great service
Insurer: Pets Best
By: Karl