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Pet parents across the U.S. and Canada have left over 224,914 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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Performance Dog Agility Injury
Coming from another insurance company, the claim process is as easy however I found I was not able to leave any explanation or comment. Also, there were no instructions for how to receive payment. On my previous company's claim site, everything was right there from the beginning. By not having a place for explanation/comment, I feel I will have to guide my veterinarian on how to comment as the practice is extremely busy and sometimes the vet notes are not as descriptive as necessary.
Insurer: MetLife
By: Carol
Insane yearly renewal increases.
I thought the company was great because of the coverage I got for the price monthly for an older dog. However, my policy just renewed and it went up from 80$ to 150$ per month which is more than my own insurance as a human. My dog is older (9) but we had no claims and no health issues last year, so no reason for the insane increase besides their algorithm. Beware! I will be switching due to a 47% increase if you’re looking for pet insurance. They said 25-35% is the average yearly increase.
Insurer: Embrace
By: Shaye Holdaway
USAA discount scam and find ways to refuse coverage
As a USAA member I joined Embrace due to the discount. I paid $38 a month for a 1 yr old Yorkie. Now that she’s 2, the price increased to $53!!! In the past year I tried to make one claim, for kennel cough which was rampant. I was denied and told I had to wait a year for her to be cough free!?!? I had taken her to get her shots 3 days prior to my vet visit and noticed a lump on her butt. I ask the vet if it was because of her shots and she said probably. I declined aspirating it unless it didn’t go away. Embrace then said they would not cover any lumps, bumps, or cancer until I had it aspirated. It went away. What am I to test? The vet also told me to brush her teeth better because she has a bit of tartar on her tooth. Embrace said they wouldn’t cover any dental stuff until I had her in for a complete cleaning! I never even made any claims for lumps, bumps, cancer or teeth issues…but it’s like they find a way to block paying for anything in the future! And my rates increased!!! Their website doesn’t work half the time. Terrible customer service. I hope USAA sees this and drops them!!
Insurer: Embrace
By: Rose Bielec
Excellent great customer service … quick…
Excellent customer service … quick response!
Insurer: Embrace
By: susan wolfe
I absolutely love Pets Best
I absolutely love Pets Best. Love the quick uploads, have dealt with customer service which was pleasant, reviewing of claims is quick and payment made back is done quickly also. I highly recommend Pets Best to everyone I know.
Insurer: Pets Best
By: WMara
Sonnet Shift
I just got Sonnet Shift to lower my insurance as I was paying $160 a month for basically no insurance (all deductibles are at the highest they can be) and I only drive about twice a week and take the bus the rest of the time. Shift calculates the bus rides unless I go on the app and say I wasn't driving and furthermore, you CANNOT get a perfect score. The way the app wants you to drive is impractical and unsafe like slow acceleration and not follow the flow of traffic. They also dock you if you use anything Bluetooth related (using Spotify, receiving phone calls and using the GPS). I have also found that no matter the time of day it's deemed as “high traffic” time, and you have to really know your way around the city to not be in a “high risk” area. So with that you will never get 35% off your insurance which I find ridiculous because I know people who live in the same area as myself who pay half of what I pay, and I only have 1 speeding ticket for 10 over on my record that's about to be dropped in the next few months. Not only that but to switch back to regular insurance it will cost me about $300 a month for the exact same insurance I just switched from which is a total scam.
Insurer: Sonnet
By: Stephen Bellaire
Delayed processing of first claim…
Delayed processing of first claim submission - not a great impression.
Insurer: Fetch Canada
By: Kat
Pets Best was helpful in processing my claimmy…
Pets Best was helpful in processing my claim when my sweet boy passed. It covered a lot of the testing and they were proactive in reimbursing me for the months I had paid after his passing. It was very helpful for them to handle this when I didn't think to. It's been hard missing my pup and the whole process was seamless.
Insurer: Pets Best
By: Aline Venturin
Simple to submit claim
Simple to submit claim, response is prompt and when I contact you about something always are courteous and helpful.
Insurer: Embrace
By: beckyldodgeyahoo.com