218,376+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 218,376 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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Every one at Pumpkin is awesome!!!!
Every one at Pumpkin is awesome!!!!
Insurer: Pumpkin
By: customer
Dont waste your money
I purchased this policy for my pet and every claim I submitted it was denied and sent a preexisting explanation. Example: if your pet has a little buildup on a tooth they will call this dental disease and its NOT! Unless you start your pet out as a puppy or kitten, its definitely not worth giving your money away and you are basically donating to the company. I would recommend starting a savings account for your pet and place what you pay for a premium in that account vs. making payments to Embrace. Do your research there is several complaints online and people had a similar experience. It seems the last year they have been denying more claims, which makes you question a company's ethical practices. Do your homework if you feel you truly need pet insurance. Even veterinarian offices don't really recommend the insurance because they see this happen constantly.
Insurer: Embrace
By: JA
Quick processing time and quick direct…
Quick processing time and quick direct deposit
Insurer: Spot
By: Emma
Embrace is a bad pet insurance
Embrace is a bad pet insurance , my dog Sheba didn’t get no help, and I sent all documents from my veterinarian, not even prescriptions and free exams and they are absolutely not worried about your wholesome pet and now I had to put my Sheba girl down and euthanized she help me veteran with my disabilities everyday now she is in dog heaven no help from this organization
Insurer: Embrace
By: John Winters
Spot pet Insurance gave me a lot of…
Spot pet Insurance gave me a lot of experience.
Insurer: Spot
By: Films
Scam
Don’t waste your money. They will say everything is “preexisting”. I tried to make a claim about several things that had never occurred before and they said it was all “pre existing” they will try and correlate every issue with something in a past chart to justify their denial. Then they raise the prices drastically. I was paying $75 then they jumped it to $100. No claims ever covered, no change in health status. Just an unjustified price hike.
Insurer: Trupanion Canada
By: Meghan
Thank You Healthy Paws!
We have a beautiful Cavalier King Charles Spaniel who is our best buddy and a bundle of unconditional love and joy. However, he is a bit of a troublemaker and has found himself in need of vet care from time to time. He recently had surgery and Healthy Paws made the claims process very easy. They also reached out to ask how he was doing. I don't know what we'd do without Healthy Paws - Thanks you!
Insurer: Healthy Paws
By: Kevin
Extended Waiting Period with MetLife Pet Insurance
It's been 15 business days since I submitted my claim to MetLife Pet Insurance, and yet it remains unresolved. My initial optimism upon enrolling in MetLife's pet insurance has been overshadowed by a frustrating experience with their claims process. At the outset, I was led to believe that claims would be processed within 5-10 days—a timeframe that seemed reasonable. However, I later discovered that this duration specifically refers to business days, a crucial detail omitted during enrollment. This lack of clarity left me feeling confused and increasingly frustrated. Furthermore, when attempting to file a claim for my pet, who had not required veterinary care in the past year, I encountered another obstacle. MetLife's requirement for a complete medical history spanning the previous 12 months was not communicated upfront, resulting in additional delays and complications. Contacting customer service for assistance yielded little empathy or support. Instead, I was informed that an extra 3-5 business days would be necessary to process the claim under these circumstances. Consequently, what should have been a straightforward process has stretched into a waiting game nearing 30 days. Such inefficiency is unacceptable, particularly concerning the health and well-being of our beloved pets. Enduring an extended wait without clarity on the claim's status is undeniably frustrating and stressful for any pet owner. In light of this disappointing experience, I have made the decision to sever ties with MetLife Pet Insurance. I cannot justify investing in a service that fails to fulfill its promises and lacks transparency in its operations. For prospective pet insurance customers, I strongly caution against choosing MetLife. Instead, I recommend exploring alternatives such as Nationwide Pet Insurance, which is reputed for its prompt and straightforward claim process. Learn from my mistake and select a provider that prioritizes efficiency and customer satisfaction. In conclusion, MetLife Pet Insurance's protracted claims process and inadequate customer service have left me deeply dissatisfied. Proceed with caution, as the frustration and disappointment may outweigh any potential benefits.
Insurer: MetLife
By: Bo
The only complaint I have is that even…
The only complaint I have is that even though the vet complied immediately by sending notes requested and I sent same notes, I had to call to get the notes send to review department.
Insurer: Spot
By: Cynthia Rubino
Denied ALL claims
I am leaving a negative review for this pet insurance due to them denying all claims submitted for my baby boy Lucas. He is a Frenchie who gets into everything. His vet suspects he got into cat poop and as we have several feral cats around the block, it seems reasonable he did. The vet recommended insurance as he said this breed is very subjectable to parasites (giardia is what he was diagnosed with). He was treated for this several times, getting better, then re-infecting himself. We had to stop letting him out and be himself due to our concern he would get sick again. He was also eating his poop, which of course did not help. But, he's a Frenchie so we went with the flow and advise of what we could do to address it. Finally decided to get him insurance. He starts getting sick again, giardia was the diagnosis along with coccidia. Treated him and he is now better. The 4 claims that I submitted were all denied due to his condition being deemed "pre-existing". It's not cancer! He did not have liver problems! How is this pre-existing if he gets better and then gets into things he shouldn't (accidental if you ask me). I read other reviews on Instagram and people share the same issues with this company. Also, please be advised I personally submitted my baby's medical records as I received emails from the company indicating they reached out to the vet and did not get a response. When I checked with the Vet, they indicated they received no such request. I personally submitted the records, then received an email weeks later, stating they were waiting for records from the vet. This is crazy! I canceled my policy as the cost for the insurance, is half my vet bill. Just be careful when shopping for insurance, not just because the price is good, does it mean they will provide you adequate service.
Insurer: Pets Best
By: Melissa