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.
236,135 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
20,332 reviews
10,797 reviews
27,491 reviews
14,162 reviews
63,007 reviews
Category with most reviews
This chart shows the distribution of review categories.
Company is a scam
Company is a scam. Costs $200 a month for 4 cats. They will pick out the majority of the vet bills and refuse to pay for them. It’s cheaper to put 200 aside every month and use that for vet bills.
Insurer: Embrace
By: Keegan
Best in the business
Best in the business. Quick, easy, reliable, dependable, fairly priced. All 3 of our dogs are protected with Embrace. Thank you.
Insurer: Embrace
By: Russ Mulholland
Very prompt and user friendly website!
Very prompt and user friendly website! They are the BEST pet insurance company I have ever dealt with.
Insurer: Embrace
By: Anne Cruz
they are quick to payout!
they are quick to payout!
Insurer: Embrace
By: alison golde
Filing a claim could not be any easier
Filing a claim could not be any easier. The claim review process was completed in a timely manner, and was paid out exactly how they said it would. There were no surprises; no hidden exemptions.
Insurer: Embrace
By: George
When you need coverage Spot is Spot on!
I turned in the papers from my vet with receipt of all her medical needs. And within 10 days I was reimbursed the 80% of the bills as our contract said. Spot has been there for both my pets when needed. This was the first for Jetta, thank God I had a plan I could count on. Thanks Spot!
Insurer: Spot
By: Nathan Dunn
80% RATE INCREASE AFTER CLAIM
Rates increase at approximately 30% per year and can be more if you have any type of claim. If you ask why, they give a pre-written response regarding rates being reviewed annualy in your area etc...but it's ridiculous. I will never use this company again after our current pets. Last year after a nearly $9000 splenectomy for non cancerous mass, our rate went from $164 per month to $294 per month...a 79% increase!!!! They told me the same thing they did the year before, that they reviewed rates in my area and that's the price. SURE. I'm supposed to believe that it had nothing to do with the fact that I made a $9000 claim. 2020 - $86/mo 2021 - $121/mo (40% increase) - had a surgery prior year 2022 - $145/mo (20% increase) - no major claim prior year 2023 - $164/mo (13% increase) - no major claim prior year 2024 - GET READY..... $294/mo (79% increase) - MAJOR claim for life saving surgery around $9000 That's a 241% increase over the last 5 years. 48% average annually. Appalling. I'm seeing a very clear pattern. Make a claim, MAJOR rate increase. None or very small claims, average increase around 30% per year, Sometimes less. They have NEVER reduced rates, EVER. ONLY INCREASE year after year and exponentially. I am shocked that USAA teams up with this shady company. Worst of all, we can't switch because the current covered conditions would no longer be covered with a new company so we are stuck with them. Make sure you file EVERY claim and MAKE THEM PAY. The only good thing I will say about this company is they do actually pay - so they get 1 star. But at almost $300/mo, that's $3600/year, it might just be better to start a high yield savings account and hope for the best. Wheres the insurance commsion? I don't think pet insurance is regulated or at least not regulated in any responsible way. Crooks.
Insurer: Embrace
By: Joseph Nosal
Amazing service
My wife and I have been really impressed with how fast and responsive these people are. It makes the situation better knowing you won't have to fight to get help.
Insurer: Embrace
By: Paul Mclemore
Prompt and kind
I was extremely touched by the note of condolences on the passing of my cat that I received from Spot Pet Insurance. They also canceled his policy, and reimbursed the claims within a couple of days. Outstanding customer service with a personal touch.
Insurer: Spot
By: Customer
Well Josh answered all our questions…
Well Josh answered all our questions and help to get our other pet added on it was really nice speaking to someone who was polite and actually knew what we wanted
Insurer: Fetch
By: Sherry Holley