216,496+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 216,496 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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Great response and service
Great response and service - they Took care of the claim very promptly and this was very appreciated
Insurer: Healthy Paws
By: Sherry Benjamins
Ease of quoting
Ease of quoting. Great coverage
Insurer: Prudent Pet
By: MHANDYHOTMAIL.COM
The claims process is easy
The claims process is easy, and they are processed and paid out quickly
Insurer: MetLife
By: Crystal
I bought this insurance in 2025 for my…
I bought this insurance in 2025 for my new golden retriever puppy, June. Today, June had to go in to be treated for an ear infection. The claim, for a total of $326.61, was denied because apparently an ear infection is a "pre-existing condition". It's true, she had a a little ear infection as a puppy, but because of that she can apparently never be treated for this condition again. For anyone that owns dogs, they know this is ludicrous. Calling this a pre-existing condition is like saying swimmer's ear, or the flu, is a pre-existing condition in children. I've never posted a review on Trustpilot, but this would seem to be an instance where the issue really is one of trust. Denial of a small claim on the first claim, while Trupanion has comfortably collected premiums of around $90 a month since 2025, gets right at the trust issues consumers have with these sorts of programs. She does not have allergies, so the denial argument lacks credibility. Since Trupanion's Trustpilot rating sits prominently on their website, I see many people trust them. Their young dogs must not get ear infections. Go figure. I was going to appeal the claim, but was told by Michelle, the chat representative, that appeals take 4-6 weeks and require a form. They also wanted the vet to call and make the argument in support of the appeal. It took seconds for Trupanion to systematically deny this relatively small claim, but they require 30-45 days to appeal. After which the answer would undoubtedly be the same, and only my vet and I would have to deal with the service work and distraction. It's not worth it. Easier to cancel, and find a company that can be trusted to support us if something serious actually happened to June. I cannot emphasize enough how disappointing this experience was. Michelle, the chat representative seemed nice, but unfortunately for her the script she had to follow for this one just made my perception worse. Trupanion failed to meet even my most generous expectations here, and honestly I'm sorry that's the case. I had heard good things.
Insurer: Trupanion
By: Todd Belveal
Excellent Help During Kitty Cancer Treatment
I have never had to submit claims until this year, when what we thought was swelling from a toenail injury turned out to be a malignant tumor in my kitty’s paw. I was nervous about having to file claims but Spot has made the process pain free and is helping me to make sure that my kitty receives the best treatment so that he can have the best quality of life moving forward. I am grateful for the help!
Insurer: Spot
By: Michelle M
Gave me the correct information to me…
Gave me the correct information to me on the phone very good and easy to follow a long I got all the information in first time good customer service
Insurer: Fetch
By: Gracia
Claims Frustration
I had to go back to the customer service people (who were great) to have them tell the claims examiner why the claim should not have been denied.
Insurer: MetLife
By: Daniel Foley
Long time client
My cat is 17 years old, and I got him as a kitten. We've been subscribed to Fetch Pet Insurance since he was 8 weeks old, back when the service was known as "Pet Plan." Over the years, the quality of the service has slowly degraded. One year in his middle age, without my knowledge, my cat's coverage was downgraded during his renewal period, and since then, I've been unable to get him upgraded again back to my original coverage. His premium is also crazy high now that he's old. This is annoying, but I can live with it since it seems like that's kind of par for the course with pet insurance and it's true that pets have to see the vet more and have more health problems in their old age. It is however deeply annoying that he has a per-condition deductible that I have to meet over and over again for all his different "conditions." Sometimes I have to fight the adjusters over whether a medication/treatment is considered part of one condition or another. Anyone who has an old pet (or is old or has cared for an elderly relative!) will know that especially as you get older, all your systems are degrading and interconnected -- for instance, kidney disease can often cause hypertension in cats! So the per-condition deductible really seems disingenuous. It feels like a way for the company to squirrel out of paying out, and sometimes I just don't have the time/energy to fight them. The worst part however is that recently, the company acquired a (very incompetent / poorly coded and run) online pharmacy, and now coverage for medication that is not purchased through their proprietary pharmacy has an annual cap on it. This highly incentivizes policy holders to order meds through Fetch Pet RX to avoid being put in a position where you send your cat in to your vet for surgery or something, and some of the medications the vet prescribes/uses during the procedure aren't covered at all. Ordering from Fetch Pet RX is an AWFUL experience compared to ordering from any normal online pharmacy. But it really doesn't matter to the company, since their userbase is baked in and can't go anywhere. They have no incentive to improve the service. In general I am very wary of the push towards vertical integration in the vet/pet care world, and urge other pet parents to be wary as well. The more companies lock us in to their walled gardens, the less agency/freedom we have to seek better care for our pets. Perhaps this is a global trend across all pet insurance/pet care companies, but I for one will be resisting as long as I can. Get a different pet insurance for your pet (or if you can afford to, self-insure by putting money away every month!) and see your local veterinarian-owned private practice. Avoid these private equity backed corporations -- they will lure you in and trap you, and then milk you for every last cent you have.
Insurer: Fetch
By: VK
So thankful for Pets Best
So thankful for Pets Best! We recently had a scary moment with our youngest kitty and it was an expensive few days. Knowing Pets Best was there to help us cover the costs made it possible for us to keep our focus where it mattered: on our kitty and NOT on finances. Thank you!
Insurer: Pets Best
By: Rune Vaughan