209,304+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 209,304 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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We have been with Healthy Paws for ove 10yrs
Healthy Paws has been our furry companions insurance for over 10 years and with a couple of dogs. Everyone we have dealt with has been very compassionate and helpful. I would highly recommend it to everyone. The quality of care, ease of filing a claim and receiving payment is amazing!
Insurer: Healthy Paws
By: Lorna Lefler
Figo is professional and caring
We found the process of submitting claims easy and the quick response quite timely. Also, the understanding of the situation at the end was caring and helpful.
Insurer: Figo
By: Loretta Murphy
All I did was sign up so I have no idea…
All I did was sign up so I have no idea how good the company is. The woman I dealt with was excellent
Insurer: Prudent Pet
By: Steven
Spot came through when I really needed…
Spot came through when I really needed them ! I submitted my claim and was able to watch my claim as moved through the process! Customer support was very helpful. Very happy with Spot pet insurance
Insurer: Spot
By: Spencer Whaley
The ease of submitting paperwork
The ease of submitting paperwork
Insurer: Fetch
By: Russell Woodward
Claims process made easy
I was unsure how the process would work for multiple items on my claim, but Spot made things so easy to submit. Spot responded & processed my claim right away. It was seamless!
Insurer: Spot
By: Christine D
Easy Peasy
The online enrollment process was very easy. Only took a few minutes.
Insurer: MetLife
By: Steve Hier-Goetz
very quick turn around on claims very…
very quick turn around on claims very satisfied
Insurer: Healthy Paws
By: PFS
Beware of Embrace Pet Insurance – Inconsistent Claims, Shifting Denials, and Impossible Exclusions
I’m sharing my experience so other pet owners can make an informed decision before choosing Embrace. At first, Embrace seemed fine. They approved several claims for my cat’s GI issues, parasite treatment, suspected FIP, and even an ear infection. But once the claims became more complex, everything changed. Embrace began denying claims using shifting and contradictory explanations: • They claimed a gastrointestinal coronavirus titer was “related” to a pre‑adoption upper respiratory infection, even though my cat has not had a single sneeze or any URI symptoms since the day I adopted her. • They reclassified a temporary URI exclusion as permanent based on a fecal test that had nothing to do with respiratory disease. • They approved a December visit for ataxia, head tilt, and neurological symptoms, but then denied a nearly identical visit in January by claiming those same symptoms were “related” to a minor pre‑policy trauma from a year earlier. • They denied medication they had previously approved for months, calling their own approval an “error.” • Every time my cat showed a new symptom, they extended exclusions another 12 months. When I tried to discuss these contradictions with an adjuster, the conversation went nowhere. I explained the medical facts calmly and clearly, but logic fell on deaf ears. The adjuster simply repeated the denial and told me I could “file an appeal and send it to them,” even though they were the same person who wasn’t listening in the first place. If they dismissed my explanation, I have little confidence they would treat my veterinarian’s medical opinion any differently. The pattern became clear: Embrace will connect any condition to any past symptom to avoid paying a claim. Their interpretation of “pre‑existing” is so broad that it becomes meaningless. If your pet ever sneezed, limped, or tilted their head once, Embrace may use that to deny unrelated conditions a year later. I canceled my policy and filed a complaint with the Maryland Insurance Administration. Pet owners deserve transparency and consistency; Embrace has given me neither.
Insurer: Embrace
By: Orales Stroud