218,721+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 218,721 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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Embrace was a huge waste of funds
Embrace was a huge waste of funds. We have dropped embrace and moved to Spot Pet Insurance.
Insurer: Embrace
By: Don Racey
Easy, Affordable, and Clear
I've used multiple insurance services for my pets over the years and have never had an easier time filing claims and getting help when needed. Everything is clear and when I've had to clarify they were fast to respond and resolve the issue.
Insurer: Lemonade
By: Rio
For what I pay monthly almost nothing…
For what I pay monthly almost nothing is covered, won't be renewing my policy next year there are better plans out there that actually cover expenses that cost less than my Fetch policy. Only reason I am giving two stars is because when they do cover something(which is not often) you get your money within 15 days of claim. Just to clarify they have paid out pennies in comparison to what we have paid them monthly and what we have paid the vet. Visit fees are not cover, Scripts are not covered, Heartworm treatment is not covered, and the wellness plan is a joke it covers basically 10% of the cost of your wellness needs. Just do your research which I wish I had, there are multiple insurance companies that cover scripts and visit fees and actually cover wellness expense for less than fetch charges monthly. It's a scam to pay them monthly as far as my experience has shown me.
Insurer: Fetch
By: Tee Dickerson
Fetch is always there when you need…
Fetch is always there when you need them. They listen to my concerns about my cats they are animal lovers for sure! Everyone that I have spoken with are pet parents they take the time to explain everything fully and are very patient and understanding I have recommended them to others.
Insurer: Fetch
By: Alice
Easy to deal with
The Fetch claims process is easy for Merlot and Cooper. The reps are happy to answer any questions you may have. Most items are covered at the selected percentage. Occasionally the review process take a bit but they always let you know that is the case.
Insurer: Fetch
By: Angry Viewer
Spot is the best pet insurance I've had.
I've had other insurance in the past and SPOT is so much more efficient. Claims are processed/completed in two days and payment is always prompt within 3 days of submitting the claim. I can highly recommend SPOT insurance.
Insurer: Spot
By: Burt
Healthy Paws - SImply fantastic
We've had Healthy Paws since we got TJ as a rescue and they've been simply fantastic. Unfortunately we've had to use their services far too often for TJ but each time their online claim service was super easy and efficient. I've set my payment option for direct deposit to my checking account and usually within three days of claim submission the payment is in my account. As with any pet insurance policy the rates do go up every year but I feel their annual monthly premium increase is quite reasonable and they never raise your rate other than the normal annual policy rate increase no matter how many claims you submit in my experience. The few times that I've needed to contact them by phone they've always been very efficient and helpful in resolving my issue. When originally shopping for pet insurance they had the best rates and coverage. They get ten stars in my opinion.
Insurer: Healthy Paws
By: Gary
Never again
March 2023. Spent 3 hours on phone with customer service to determine if this company was good for my pet. Went with them only to discover they promised the world and delivered an island when it came to paying on policies. May 2023 pet died due to cancer. Reason for non-payment was pet had "pre-existing condition" but never said what it was. Can't by law deny claim without listing condition. Refused to pay claim of over $900. That was for my pet who passed. Enrolled new pet in June 2023 - cat, 2 years, while waiting for payment from deceased kitty's visit to emergency hospital to find out what was wrong. On new pet they have decided not to cover his special food because of another "pre-existing" condition. How could I know of a pre-existing if I just got the kitty and issue didn't develop immediately? Last straw was they refused his dental cleaning expenses because according to them, "He had SOME tartar." If he is free from tartar for a year, they claim they will pay. When is a human or pet ever FREE from SOME tartar. Stay away. Just a scam! It was a vet who discovered their sneaky way of getting around paying claims.
Insurer: Embrace
By: Sharon
New to this company
New to this company, and so far no complaints My first claim submitted was completed in a couple days, and reimbursement was just as fast. +-
Insurer: Pets Best
By: Nancy