222,359+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 222,359 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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I just recently signed my dog up for…
I just recently signed my dog up for Spot Pet Insurance and I didn't realize that it was close to the time he needed an exam. I took my dog to his exam, got his prescription for his flea/tick treatment, submitted a claim and it was approved before I could blink an eye. I am telling everyone that own a pet about Spot Insurance. In fact I had a friend recently get insurance for her dog too.
Insurer: Spot
By: Carlos
Hmmmm
I had a previous insurer and it was much easier to submit claims. With Spot, I had to take additional time to contact the vet and also submit pets' medical records; I have multiple pets. I rang and the rep could care less about my complaint. I was finally informed that the claims were approved, but the reimbursement $ is yet to be seen.
Insurer: Spot
By: Gillian P
First time having insurance sooo let’s…
First time having insurance sooo let’s see how they are
Insurer: Prudent Pet
By: Devona Holmes
embrace insurance is amazing
embrace insurance is amazing. They always pay within 2-3 days of submitting a claim and, unlike other insurance companies we have used, do not reduce the amount. They always pay exactly 90% of the invoice amount. The few times I have had to contact them there customer service has been great. They respond by email with a helpful answer within 24 hours. This is really a great vendor. Highly recommend.
Insurer: Embrace
By: Todd M
Fast Direct Deposit Claim payments
I had a few claims for my 5 year old lab in my 1st year with PetsPlusUs. I found out that the claims process worked very well when you provide all the needed information right from the beginning. I was also lucky that my Vet has a point person that provided a PDF document with all the Doctors medical notes and paid invoices in one file. I also provided an overview document and photos showing evidence of the medical issue. In 3-4 business days the money was in my account and an email with a paid claim document explaining how the claim was processed and how the deductible and co-pay amounts were factored into the claim. It’s been a great experience so far!
Insurer: Pets Plus Us
By: Wayne
Rates have doubled
This was a bait and switch. At sign up in 2022 I was quoted $86 for two dogs. At my first renewal in 2023 that was raised to $136. Renewing again in 2024 and it is $185. Our premium more than doubled in 24 months. I can’t switch because of the dogs now has a pre existing condition, so I’m stuck with these high prices that are way above market. Do not buy Embrace.
Insurer: Embrace
By: Ryan
THE WORST! - Pets Best
Unacceptably poor customer/claims service. Extremely slow processing - close to a month. And, I'm still waiting for my direct deposit - over 1 week! Multiple phone calls - on hold for 30+ min and haphazard email response with no information of value. Will be contacting the BBB and cancelling my policy.
Insurer: Pets Best
By: Lisa
Explained to be better than what the fine print tells you
They were very easy to work with on line and over the phone. The app was easy to use as well. Sadly, the coverage was not entirely explained to me upon purchase. For instance, 1 stool test is covered per year and only up to a certain amt, $25.00. Or 25.00 towards certain vaccines. So it was very limiting on what was covered for preventative care and only up to a certain amount. I was impressed initially by spots deductible, coverage explanation and unlimited expenses for $82.00/mo until I submitted my bills and had little return. My older dog is on a plan with NW, we pay up front but then get 80% return, 250$ deductible and unlimited expense. And NO cap on certain preventative tests and care. We cancelled this plan for our puppy because it did not hold up to the expectations that NW set for us and we went to NW. They have a higher monthly fee, but coverage is top notch. It's that old saying, you get what you pay for. And certainly the cheaper rate was not worth it.
Insurer: Spot
By: Lindsay K
Smartest thing I’ve done lately!!
Met Life is wonderful. It has more than paid for itself. It’s the only pet insurance I could find that covers dental cleanings! It takes a little longer than 5-10 days for a claim to be processed, but I always know they will take care of us.
Insurer: MetLife
By: Wanda