220,626+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 220,626 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.
220,626 total
What are you looking for?
Most selected providers in "May, 2026"
This chart shows the distribution of the most selected pet insurance providers in May, 2026.
Providers with highest rating
19,889 reviews
11,227 reviews
5,642 reviews
55,033 reviews
15,087 reviews
Category with most reviews
This chart shows the distribution of review categories.
I have had issues with my debit cards…
I have had issues with my debit cards being hacked which have disturbed me a lot. Mike, in customer service, was calming in getting the corrections. I had never filed claims so he showed me how as well. He is very kind and a caring person.
Insurer: Prudent Pet
By: Diane Mohler
Appalling customer service
So when I moved 10 minutes away, my premiums went up approx $100/month, which while ridiculous, what can you do? I decided to decrease my coverage to make the payment more manageable, as over $300/month for insurance on my 6 year old dog when I haven’t made a claim in years seemed stupid. The payment goes onto my husband’s Credit Card, so I didn’t notice right away that we were being overcharged over $60/month more than what I had been quoted for our changed policy. Of course, I discovered this on a weekend, when the only customer service available is over chat. The person I chatted with, Emma, said she would escalate the situation and I would hear back from them within a couple of business days (which I didn’t). So I call, because the call centre is only open M-F until 6pm ET and speak to someone who says that they will get back to me within 24-48 hours. Which they didn’t. I live on the West Coast, and I have a job, so I don’t have time during the day to call them repeatedly to follow up. I finally hear back from someone 13 DAYS later. Jordan left me a message at 2:40 in the afternoon on a Friday (Pacific time, so 20 minutes before they close for the weekend). Because I’m at work, I was unable to check the message until after 3pm PT. He lets me know that my payment is now $185/month. What??? It was supposed to be $170.76/month, they’ve been charging me $232.23/month, where did $185 come from? And no mention of reimbursing us for the $60+ they’ve been overcharging us for the past 3 months. And I can’t call to ask, because now they are closed. So here we go again. Back to the chat. Which is completely useless because they won’t tell you anything over the chat, just to call during their regular operating hours. What a joke, if my dog didn’t have pre-existing conditions I would change insurance companies in a heartbeat. I might anyways just because how awful they are to deal with.
Insurer: Fetch Canada
By: Bronwyn
Doubled My Rate
Spot pets insurance was great to have for peace of mind for the past 3 years. However 3 months ago when my plan renewed, I find that they doubled my price for my two pets, going from 101 a month to 204, and all they send is one lousy email claiming my premium MAY change. After calling to cancel, and request a refund due to this shadyness, I was denied anything, hence leaving my review here.
Insurer: Spot
By: DD
Very easy claims filing process and…
Very easy claims filing process and quick review of claims.
Insurer: Spot
By: Thomas Seaman
Embrace has taken the financial factor out of emergency medical care for my pets
Embrace has allowed my wife and I to pursue expensive treatments for our pets that gave us peace of mind and, in one case, added years to a life. We've never had a claim rejected over 7 years time across three pets, and several claims totaling tens of thousands of dollars in reimbursements. We've had claim follow-up questions and requests for further documentation, but never a denial. We had an 11 year old Lab suddenly grow gravely ill. All of his tests and procedures were covered. We had a 16 year old cat who was diagnosed with both diabetes and intestinal cancer under Embrace. Everything was covered, including measures costing thousands that added over two years to his life. We just had an otherwise healthy 14 year old cat pass from an agressive oral cancer just 6 weeks after diagnosis. Embrace covered her biopsy, tooth removal, meds (we have the medication add-on), follow-up visits, and what many still consider an experimental medication that likely doubled the time she had left. Embrace never even flinched...all covered. I get that some folks may say negative things about any company based on frustration or having a claim denied for some reason, but our experience with Embrace has lightened the burden that sometimes comes with pet ownership. I watched my parents struggle with taking a gamble saving an elderly pet at the expense of our summer vacation (it worked and the dog lived another three years). I don't have to worry about that because of Embrace and that's a wonderful thing.
Insurer: Embrace
By: Tom G
Professional and efficient processing…
Professional and efficient processing of claim.
Insurer: Embrace
By: George Armendariz
The WORST pet insurance!!!
The worst pet insurance! I would NOT recommend ManyPets!!! Even though I have had ManyPets for a long time, they will not pay for hip dysplasia. The discrimination of senior dogs for a condition that is extremely common is outrageous! They don't say why, but since it is an incurable, chronic, and expensive condition they will not cover it for any animal because it is TOO MUCH MONEY! You can't even rescue a senior dog with this pet insurance. Unbelievable. Now I'm stuck with them for the rest of my dog's life.
Insurer: ManyPets
By: Alexis Householder
Worst Experience I have ever had.
After over 5 months of providing claim information and follow ups with this outfit I can honestly say that this plan is terrible. They do not have internal operations to provide customer service. Their personnel are poorly trained if at all and they put any disease into a preexisting condition category. As an RN I am familiar with preexisting conditions. An ear ache is not something that can be preexisting since it can be a year or more between inflammatory outbreaks. Do NOT waste your money on this company. Put the premium dollar aside to pay for vet bills or go with another insurance. This one sucks eggs.
Insurer: Healthy Paws
By: Christine
Latest 1 comments
We’re sorry your customer service experience did not meet your expectations. Claim decisions are based on your pet’s medical records and the signs/symptoms that are noted in those records. Most pet insurance companies including Healthy Paws use a pet's medical records to determine if there are any pre-existing conditions that would keep us from approving a claim. We're never happy when we have to deny a claim. We do our best to be transparent throughout our website, during the enrollment process, and in the plan documents available to each client in their online Healthy Paws account regarding the limited exclusions of our plan. Those exclusions are pre-existing conditions, preventative/routine care, and the office visit fee. Anyone visiting our website can see this information under our "Frequently Asked Questions" and in the sample policy. Since the records received noted multiple ear infections starting prior to enrollment, we could not provide coverage.
Raises premiums EXPONENTIALLY once your…
Raises premiums EXPONENTIALLY once your dog is in their mid-range. Fetch needs to review the competitors pricing and match up accordingly. In the last 5 years I have had this insurance, my premium went up from $300 to $1700!! This is six times the original premium and I never even had a claim in the first three years! Over the years they increased, doubled my premium, I never said anything but the most recent increase in premium went up another $700 straight away. $1700 annually plus tax for a $5000 coverage and 80% coverage is extremely low and unacceptable. Other insurance companies cover $10,000 to $20,000 for ~$1200 premium for the same dog. Almost feels like a rip off at this point because they think you cant move. When you call the customer service to talk about the premium, they have an attitude so its pointless. There is no solution outside of just cancelling or continuing to pay really. I would recommend to shop around. I am certainly not going with Fetch if and when I am looking for another insurance provider.
Insurer: Fetch Canada
By: Debbie Liao