224,738+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 224,738 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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Avoid This Company – Terrible Experience
This insurance company has been incredibly frustrating to deal with. They don’t respond to emails, even though they recommend this as a way to communicate. When you call, they give you the runaround, and the information from one manager contradicts what another told me just days earlier. I paid premiums for six months to insure my two healthy cats. Both have all necessary international documentation, including microchips, passports, vaccines, and veterinary certificates. After six months, I took one of my cats to the vet for an ear infection and advice on food, as the cat had vomited three times in one week. The veterinarian explicitly noted in the medical file that vomiting is “not unusual.” The issue resolved entirely after switching food, which is also documented in the file. Despite this, the company claimed I hadn’t provided the “correct” medical documents—even though the documents I provided fully complied with the requirements outlined in their User Guide. I sent all required documentation when I enrolled and clearly stated, “If you need anything else, please contact me.” They never contacted me. Instead, six months later, they retroactively canceled my policy and promised a refund. It’s now been over three weeks, and I still haven’t received my money. To make matters worse, they created new policies for my cats and labeled everything from that vet visit—including notes from the anamnesis (not even a diagnosis)—as pre-existing conditions. For example, they listed: “Vomiting / Emesis and associated conditions” Seriously? Vomiting is a natural behavior for cats (e.g., regurgitating hairballs). It’s also a symptom of countless possible conditions. By labeling it a pre-existing condition, they’re essentially trying to exclude everything. This company doesn’t provide insurance—they provide excuses to deny coverage. Avoid them at all costs.
Insurer: Pets Plus Us
By: Danila
pet lover
Healthy Paws has amazing customer Service. Getting claims approved is so easy and they even emailed me to check up on how they were feeling. Highly recommend
Insurer: Healthy Paws
By: Steven
10/10 recommend
I am very thankful for Pets Best. They are so quick with receiving claims and I have had no issues with getting things claimed. Very fast and easy process. My dog had an unexpected mass on his leg this year, which required multiple biopsies and a MRI to diagnose. I was thankful Pets Best was so quick with their turn around time to help with the financial burden.
Very easy!
"Easy to file a claim, and we were kept in the loop the entire process. Actually paid more than I anticipated!"
Insurer: Pets Best
By: Kelly
The insurance we paid for was useless.
The insurance we paid for was absolutely useless. Nothing was covered for our dog, no regular health check ups, nothing. I’m sure there are other pet insurance companies that are worth purchasing, but Embrace Pet Insurance certainly is not. Thankfully we cancelled and will look into better pet insurance available.
Insurer: Embrace
By: Raylene Cochran
What they are doing great so far is…
What they are doing great so far is reviewing the claims in a timely manner and giving me the money to cover my Cat.
Insurer: Spot
By: Umair Ahmed
My very first claim was effortless
My very first claim was effortless. My cat was diagnosed with cancer. Thank goodness I didn’t have to fight with anyone about claims, reimbursements or anything. The money was directly deposited into my account quickly. Thank you Spot. I am so grateful I found you.
Insurer: Spot
By: Trixie
Good customer service
Have had this coverage for a couple years, but thankfully haven’t needed to use it until recently. I thought the price was high, so called around to other insurers, and Embrace’s premium is actually quite fair and similar to other pet insurance for the same coverage. I chose this one because of their affiliation with USAA and good reputation. I had difficulty uploading documents and making a claim through the app, which is the only reason it wasn’t a five star rating. However, when I called customer service for help, they offered both guidance on using the app and alternate ways to make a claim. The app advice from customer service didn’t work, but they immediately sent an alternate means via email. Turn around and reimbursement was just a couple days. Happy with the service with no plans to look for alternate insurance.
Insurer: Embrace
By: Carmen
Embrace has been very easy to do…
Embrace has been very easy to do business with over the last 4 years. We are so thankful that we elected to get insurance when our dog was a puppy. Embrace claims were easy to file over the years between surgeries and wellness visits. Reimbursement was fast and fair, just as expected. If we ever get another pet, we will certainly get them covered as well. The peace of mind Embrace offers is worth every penny!
Insurer: Embrace
By: Jeanie Helms