219,420+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 219,420 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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Acknowledgement of claim
Acknowledgement of claim. Review of claim and fast turnaround on claim. Fast and easy!!!
Insurer: Spot
By: Todd Croissette
Once all the records were in
Once all the records were in, payment was quick. I like the direct deposit
Insurer: Spot
By: Richard Schlau
tobymac
ASPCA insurance took a terrible situation of loosing our wonderful young dog to a positive situation. They reimbursed us within a week of our claim. The compassion and caring for us unfortunate pet owners that have lost a pet to a disease was clear. They care and are sympathetic to our emotions. We will use them again once we rescue another dog in the future |
Insurer: ASPCA
By: Cindy Cannon
I was surprised by how easy it is to file a claim
I was surprised by how easy it is to submit a claim for my pets, and I get a confirmation email immediately that Spot has received my claim, an update on the processing time and a confirmation within days of my claim being processed. I usually receive a check within a couple of weeks after processing, which shows that Spot Pet Insurance truly has great customer service! I've recommended Spot to all of my friends and told my vet to recommend to other customers as well :)
Insurer: Spot
By: Nicole D.
Claims take forever then always denied
I purchased Pets Best most comprehensive plan after adopting a new dog, and now, five months later, I just canceled it. Don't bother with this company. Keep looking. In those five months, I filed two claims. Both claims two about 6 weeks to process and then they denied everything as "pre-existing conditions", including things like a vet appointment and antibiotics for an open wound that occurred two months after the policy started. Luckily, those were fairly small bills, but I can’t imagine how angry I would be if it was something more serious and more expensive. Based on my experience with them, I imagine that would involve some financial struggle while waiting for reimbursement on two month old claims followed by fighting for even longer to get the eventual denials reviewed.
Insurer: Pets Best
By: Justin
Best investment ever!!
Claims are fairly easy to fill out and don’t take long. Just a few questions about your claim then upload the veterinary hospital invoices and you’re done! Received reimbursement check within 2 weeks or less. I may have to sign up for automatic refund payment, that way you get your money faster , but honestly it was quick. I wish we would have gotten SPOT sooner! Don’t hestitate, you won’t regret it!
Insurer: Spot
By: Corinne
WARNING - please don't go with PHI!!
I am devastated at my poorly made decision to switch to PHI Direct. I did not fully understand their policy (my own fault), and that decision has for sure shortened the life of my dog. Once they have a condition that needs to have a claim, they will only cover that until the next time the policy renews. If you have a breed that is likely to have an ongoing issue (such as a heart condition), sorry about your luck, they'll only cover it for the remainder of that policy year (if they cover it at all), then they consider it a pre-existing condition. Crappy customer service, long wait times, no invoice. Just awful! Please please please understand this policy clearly before you consider signing up. The cheaper premiums are that cheap for a reason, and not worth losing your pet early because you suddenly can't afford to keep treating their condition. What is the point of having insurance if they stop covering you once you have a problem? Please take this warning and avoid this company if you want long term coverage.
Insurer: PHI Direct
By: Kelly
Great service
Embrace is always quick with my claims. Anytime I've had a question, I can call and have confidence that it will be answered quickly and correctly.
Insurer: Embrace
By: Amber
Submit claim for Dizzy's itch, ears infection, fleas
Submitting a claim for Dizzy's itchiness, allergy, plus mild bacterial ear infection (both ears) was easy. Also, possible fleas so to treat or prevent fleas the vet ordered Bravecto. Now I will see what the insurance pays and how quickly.
Insurer: Embrace
By: Bill
It’s really simple
It’s was simple to make a claim and it’s nice to know I can help keep him comfortable and healthy!
Insurer: Spot
By: customer