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Pet parents across the U.S. and Canada have left over 208,625 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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Truly grateful
I am truly grateful for MetLife Pet Insurance. From the beginning and all the way until my pet passed away, they supported me during one of the hardest times of my life. Their coverage and guidance helped ease the financial stress, allowing me to focus on loving and caring for my pet until the very end. The claims process was clear. I highly recommend MetLife to any pet parent who wants compassionate and reliable support.
Insurer: MetLife
By: Ismaray Cespedes
2026 renewal increase doubled.
Began my policy with Embrace back in 2019 with a few month old chi/terrier mix added a pet in 2023 ….same chi/terrier mix breed and she was 7 months Insurance for both pets per month was $51.32, 2024 raised to 66.84, 2025 raised to 72.34, 2026 nearly doubled to 129.60 with a 7 and a barely 3 year old. I had a $500 deductible with a $10,000 annual max reimbursement at 80-90%, both dogs no pre existing conditions. I’ve never used my insurance. I found the Spca does a vaccine clinic at our local Petco so that’s where we go for discounted vaccines, exams, and prescriptions for heart guard which I have filled at Costco as it’s been the cheapest option I found. I called embrace and was very transparent and let them know I obtained a policy quote with Pets best for $63.41 monthly with the same deductible, reimbursement percentage however the annual reimbursement amount was unlimited. Embrace was willing to work with me, but the best rate they could give me involved creating a brand new policy with a $108. Monthly rate, a $20. Difference after years of business! Disappointing to say the least. I’m glad I didn’t just trust my annual renewal and that I took the time and did some shopping. I’ll be saving $45. Monthly and $540. This year by dropping embrace and switching to Pets best even with a dog 6 years older and 2 years older. Take away, Embrace rates have doubled and you can find more affordable plans. I imagine the number of consumers that do switch “their” premium will be covered by those who stayed (not knowing any better) while embrace has less coverages and less liability. When someone raises your rates, ask why and shop around. It can be better.
Insurer: Embrace
By: Kelly Fisher
Autumn
My experience was great because it was easy and Bonnie Brae Veterinary Hospital could handle it. It was the first time my dog was sick she is only a year old.
Insurer: Trupanion
By: Deborah Stiles
Mixed feelings
The most frustrating bit has been their flaky claim system. Cannot submit claims via the app or website. Always something with their azure platform. Have to email it and then you get "incomplete" claim returns and with no way knowing what the claim was about because the previous attachment didn't register so have to be very meticulous what and when you submit things. I really wish they would spend time fixing this. Had a recent pet emergency and required hospitalization and it's been two weeks and still no acknowledgment on some claims. Phoned and they told me to be patient. Emails sent to claims never respond in our experience. For past claims we are happy with the service; can't fault them. Co-pays etc exactly as per policy and I give them 5/5 for when it does work. Unfortunately have to mark them down for the long claim delays and recent issues with their systems. At least acknowledge there are issues and notify users in the app or website. It takes time to prepare the claims and when it times out without any warning and time spent on it was a waste, It's absolutely infuriating in this day and age. If you know there are issues act on it. Whoever is managing your IT systems, website or apps they need a kick up the ass.
Insurer: Pets Best
By: werner van zyl
Would not use Trupanion again
Would not use Trupanion again. We have insurance through this company for our first dog, which we bought when he was 8 weeks old. The monthly premium is reasonable. We just adopted another dog at 8 weeks old. The premium is now $100 MORE per month than what we pay for our other dog! Ridiculous! They also do not offer a discount for multiple animals. I am not shopping around for pet insurance for both of my dogs.
Insurer: Trupanion Canada
By: Yasmeen Hinton
Annual premium skyrocketed
I signed up with MetLife pet insurance three years ago. I, unfortunately, expect small premium increases each year but this year (2026) my premium went up by more than 50% — almost $1000 increase. And that is with a discount for paying it in full! For context, I had no vets visits in the past year with the exception of my dog’s annual wellness/vaccines. My dog turned five this year so he’s not even that old. It’s appalling and feels like a money grab. I do not recommend MetLife to others.
Insurer: MetLife
By: Corey
The ease of knowing our pet is covered…
The ease of knowing our pet is covered with this great ins and to pay us directly back and the process is easy to do from your phone and claims are processed fast . We are so happy that we have this ins for our pet .
Insurer: Spot
By: Lori Snipes
Terrible product
Terrible product, incredibly expensive. I honestly am angry at myself for sticking with them for as long as I did. Don't make the same mistake I did. Just figure out what your monthly fee would be with them, put that into a savings account, and boom - you have 100% better insurance than anything this company provides.
Insurer: Embrace
By: Matt
Excellent customer service and support
Called about a concern I had regarding a new claim customer service.Got the earrings.As for me that I needed and was so understanding and polite. Customer service is a key reason for any business to stay Good, and they definitely are doing it
Insurer: Embrace
By: Wally Orechia