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Pet parents across the U.S. and Canada have left over 225,054 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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Claims are classified depending on…Claims that are not paid
Claims are classified depending on prior conditions. My dog had liver disease which had not been identified before, but I was told it is a pre-existing condition. The claim was declined. I feel that for the premium I pay monthly some amount of the claim should have been paid.
Insurer: Embrace
By: Namita Sahgal
They have been very throughout and…
They have been very thorough and caring.
Insurer: Figo
By: Jon
Good plan for catastrophic events marginal for healthy dogs
The good: Filing claims is easy Reimbursement CAN be fast (some claims are filed and reimbursed within one credit card billing cycle) Customer service does not seem to be outsourced, are efficient, follow up with your questions, and are not pushy. It's great to reduce costs when you have a young dog and an emergency situation arises. The bad: Fine print - your co-pay comes out BEFORE your deductible so you can end up paying more than anticipated. Doesn't cover routine dental (other than the case scenario below) Exam visits are only covered if you choose the higher cost plan/they are a-la-carte coverage Doesn't cover annual visits - you need a secondary wellness plan and it's not super cost effective unless you're getting spay/neuter (the spay neuter cost can apply to a dental cleaning but any dental cleaning I've had had been SIGNIFICANTLY higher than the $150 limit) Wellness plan didn't cover the entire cost of yearly vaccines, and covers some things that aren't standard care/necessary so overall cost savings is marginal bc to use all your benefits you have to do "extra" screenings. The cost for my older dog skyrocketed between age 7/8 (raised 40%) Overall: It's a decent plan if you have a young dog and have an emergency situation or a lifestyle that is higher risk for sickness or accidents, and you're not good at saving money. (My 1.5y/o dog broke his leg and I was happy I had the insurance bc we just gave carte blanche to do what needed to be done to fix him. However any cost savings will be negated after holding insurance for two dogs for 2 years) OR if you have an older dog where you're concerned about age-related illnesses and don't want to worry about cost of care for potential issues like kidney failure, cancer, etc. I would NOT recommend the wellness plan unless you're already interested in doing the full range of screenings/care covered and want a marginal cost reduction.
Insurer: Pets Best
By: Mal Le
Exceptional Pet insurance
Claims are processed quickly and if I have any questions, customer support is knowledgeable and helps me through the process.
Insurer: ASPCA
By: Leslie Koehler
Great custgreatomer service
Great customer service. Easy on-line context.
Insurer: Figo
By: editha a pangan
Quick efficient processed claim
Quick and efficient lain processing with little effort on my part.
Insurer: Spot
By: Lori Shallcross
Happy with FIGO
I've been with FIGO for alsmost 9 years now, 8 German Shepherds. They've been a great company to do business with. Claim's are processed quickly. Price is fair even with the increases that they all do every year. Will never go without pet insurance.
Insurer: Figo
By: Dina
Reimbursement was easy and quick!
Reimbursement was easy and quick!
Insurer: Figo
By: Robert
Application online
Application online was simple. Guided through everything nicely.
Insurer: ASPCA
By: William Davis
Claims
Every time we have made a claim it has been responded to quickly. It has been very helpful in taking care of our pets.
Insurer: Spot
By: Lynn Mittelstaedt