219,034+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 219,034 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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Filing a claim is easy
Filing a claim is easy, as the on-line instructions are clear and specific as to what is needed. Review time is, if not speedy, certainly reasonable, and payment after a decision is reached, is prompt. I have been consistently happy in my dealings with Fetch.
Insurer: Fetch
By: Mark Leonardini
All Claims Lost
Embrace lost all of the claims that were sent to them by certified mail on 6/11/24. Embrace received them on 6/17/24, according to USPS. However, Embrace cannot find them. Every time I call them, they give me another excuse. Every time I email them, I get more excuses. I absolutely do not recommend this company.
Insurer: Embrace
By: Sharon Smith
Ease of Doing Business
Ease of Doing Business App was easy to use. Seamless process with continued communication on the status of the claim.
Insurer: Fetch
By: Laura
Fast & Friendly Service
Have not had a single issue with claims. My dog had a fast growing tumour which required a CT scan and eventually surgery to remove. Pets Plus Us covered 90% of every claim we submitted, no questions asked!
Insurer: Pets Plus Us
By: Jolene
Great Experience!
I did a lot of research before choosing Spot, and I am glad I did. They are awesome. Filed my first claim, and it was approved very quickly. My money was electronically deposited in a less than five days. Thank you so much Spot!!!
Insurer: Spot
By: J Cowan
Great idea to use Fetch!
I was hesitant at first to buy Pet Insurance , but with our new expensive and precious puppy, I'm so glad I did. I'm very impressed with Fetch and the ease at which to make a claim ! I also appreciate the quick response. My only downside is, I wish I could talk to a human being as well. A really great service.
Insurer: Fetch
By: Sharon
Easy site to navigate
Easy site to navigate, friendly customer service and quick processing of claims
Insurer: Spot
By: William Detisch
Great experience
It was so easy to navigate. I submitted my claim, and I received my money quickly.
Insurer: Spot
By: Jamie C
It was quick and easy.
It was quick and easy.
Insurer: ManyPets
By: Hue Duong
Unfair denial of claim
Re: Policy Number: A6790211 Claim Number: 5007339 In December 2023, my dog suffered CCL tear while playing catch in the back yard grass, suddenly she yelped and not able to put weight on left rear leg. She was not able to put weigh to the leg and was limping on the other 3 legs for two weeks. When we took her to veterinarian, after examination and imaging, she was diagnosed with CCL tear. To enable her to walk again and have a normal quality of life, my dog underwent TPLO surgery and had her joint repaired. The orthopedic surgeon performed surgery confirmed CCL rupture noted during surgery. My dog is an otherwise healthy and young 4 year old dog; she has seizure disorder that is well controlled on medication and seizure free for more than two years. She has annual physical and blood work by her veterinarian clinic, which knows her well. In fact, my dog had completely normal physical exam and blood work less than 2 months prior to the occurrence of injury. When I filed for reimbursement of services related to this injury, including initial office visit after the injury, orthopedic surgeon consultation, pre-op visit, operation, post-op visit, my claim was denied and when I appealed, it was denied again. Of note, the insurance policy does not exclude coverage of ligamentous injury if not a pre-existing condition and the mechanism of my dog’s injury falls within the definition of accident as stated in the policy itself "a sudden, unexpected or unintended action or event with a specific time and place which results in injury." When I called ASCPA Pet Insurance claim support line, the most senior supervisor can only offer to read me the denial letter that I received in email and also my pet coverage policy without able to discuss or elaborate on any further details. To quote the reasoning of denial of my claim as follow: “Animals with healthy cruciate ligaments are not expected to partially or completely rupture their cruciate ligaments during the course of normal activities such as running, jumping, playing, chasing, navigating stairs or uneven terrain, or even following minor slips or falls. Veterinary literature concludes that cruciate ligament ruptures and cruciate ligament disease are the result of a multi-factorial degenerative illness process. Although symptoms often appear suddenly during activity or a minor trauma, ligament rupture is the end result of a disease process that is often asymptomatic in the early stages. As such, cruciate ligament conditions are only eligible for reimbursement under illness coverage.” My issue with the denial of my claim is that while as owner and the veterinarian are well aware that my dog is young and healthy without any pre-existing joint illness, the insurance company is attempting to build a narrative that her injury is classified as illness in order to avoid to be held accountable in reimbursement. It is unreasonable for the insurance company to issue denial without any evidence that my dog actual had prior ligamentous illness, only able to make such an assumption based on “literature” that it was not able to provide. It is shameful and reprehensible that while my dog’s injury was completely accidental, the insurance company is portraying this accident as the result of pre-existing condition to avoid their responsibility to a paying customer. As a pet owner I would rather not to see my pet comes to any harm, however I purchased catastrophic injury protections specifically for unfortunate situations such as the injury my dog suffered. This incident has brought our family pain and challenges, a fair evaluation for reimbursement would help alleviate some of the burden it has put our family through.
Insurer: ASPCA
By: dogownerr