221,963+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 221,963 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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My 7 month old puppy was diagnosed with…
My 7 month old puppy was diagnosed with possible Acquired Fanconi Syndrome and I was devastated. It was a stressful time but it was so easy to submit a claim and hassle free. I was reimbursed quickly. This is the first pet insurance that I feel good about.
Insurer: Embrace
By: Patricia Caruso
CHOOSE SONNET
Easy to apply. Great rates with complete coverage that you can make adjustments with for your own needs.
Insurer: Sonnet
By: Donny Byer
I love the ease of filing claims as…
I love the ease of filing claims as well as the speed of getting reimbursed. I also love the options of having different levels of coverage. I have three dogs and I can't imagine not having Spot Insurance!
Insurer: Spot
By: Caron B
All Embrace did was stress me out and not pay for anything
Where do I begin... I got embrace $15k coverage in the worst case scenario for both my cats. I did a ton of research and they provided dental illness, waived exams if you paid for it, and had a deal for multiple cats. The only red flags were several reviewers said they had a tendency to really exaggerate and define everything as a prexisting condition. Nothing happened for 3-4 months after receiving coverage. Then on a vet visit, my vet noticed my cat had loss weight. For my first vet visit claim, I found out they had never bothered to review my pets medical records and proceeded to start adding ticky tacky "pre-existing conditions" which included something such as slightly dirty teeth now being an exclusion for dental diseases. I literally purchased them partially because they were one of the few companies that covered dental diseases. But apparently that has a massive asterisk to it. The best part about my first claim? It took 1.5 months for them to start telling me anything and only after i had to reach out to embrace and the vets because apparently they were just going to string me along until i did anything. So basically i paid them for 4.5 months only to find out they were going to start adding ineligibility. Flash forward to today 3 months from my first claim, I still havent been paid yet. My cat is now dead. I am now finding out not only did they take 2.5 months to make their first decision on my pets claim, they have suddenly reversed decision and telling me im not paying squat. Between dealing with my pets health issues and death, I have to be the one constantly badgering the insurance company and reaching out to the vets to get information. Not only did i have to stress about my cat, i had to deal with this absolute dog poop of a company that has dragged its feet for anything just to screw me at every turn. I have spoken to probably 4 people at the company so far and im likely going to speak to a 5th. If you want an insurance company that will ultimately not pay you, expect you to do all the work yourself, try to put anything and everything as exclusionary, and just add stress to you while your pet is dying. Then yeah Embrace is for you. What a frigging scam. Im canceling my other pets insurance policy. I have 0 trust if anything happened with my other cats they wouldn't find a way to bend me over here too. Could not recommend a company less - end to end, just completely screwing me. I guess its better i find out now, because apparently if my cat had gotten sick 5 years from now they would have told me after collecting 5 years of checks they would just absolutely screw me. What the actual hell. 0 stars if i could. People are right, set aside the money you need - you wont get screwed. Embrace definitely is prone to flagging everything as pre-existing. Im appealing but i expect nothing and just more stress. Thanks for squat!
Insurer: Embrace
By: Norman Zhu
See what best for you and your dog
There is a spend down first before insurance even covers anything. Then if you don't have any history on the dog you insured you need to take them to the vet for a whole year before they will even think about covering the bill. I was told by the insurance just pay into it you never know once you meet the 500.00 and the vet has seen the dog enough then we will start to cover what insurance covers. So in other words I pay and pay insurance month and the vet bill until insurance said they will start to cover.
Insurer: Pets Best
By: Christine
Excellent Overall so far!
Excellent app, quick and easy to use and the several times I spoke to customer service they were helpful and very polite.
Insurer: Spot
By: Paul and Lisa Civitelli
It was easy to submit a claim.
It was easy to submit a claim.
Insurer: Embrace
By: Julie Scanlan
Unethical…do not recommend
I’ve had an Embrace Pet Insurance Policy for several years and every claim has been denied. Most recently I took my dog Perry to an Emergency Veterinary Clinic for what was ultimately diagnosed as “Idiopathic Vestibular Syndrome”, a neurological disorder seen in senior dogs. Embrace denied this claim because blood work done during the visit showed the presence of “Azotemia” or Renal Disease, a pre-existing condition. In other words they used the presence of kidney disease to not pay the claim for his new neurological disorder which is totally unrelated. This would be like not paying for cancer care because of the presence of kidney disease. They are completely unethical and I would not recommend Embrace to anyone!
Insurer: Embrace
By: Patrick Miller
A Savior for My Injured Dog!
I want to express my deep appreciation for Healthy Paws, who came to my rescue when my dog was hit by a car. Healthy Paws was absolutely exceptional. Their compassionate customer service team provided invaluable support during a very distressing time. They processed my claim quickly, ensuring immediate medical care for my dog. Healthy Paws covered most of the medical bills through their "direct pay" service. This meant I was not paying all of it out of pocket and they paid the hospital directly. I highly recommend Healthy Paws to any pet owner. Their care, support, and financial assistance was outstanding and made all the difference in my dog's time of need. Thank you, Healthy Paws, for being a true savior for my beloved dog. Your dedication to pet well-being is remarkable, and we are forever grateful!
Insurer: Healthy Paws
By: Norma Nelson
Bivvy Insurance
This review is for Bivvy. They had the best prices, fastest turnaround, helpful on--line or on phone. So easy and quick filing claims on line, had my money within a couple days. Unfortunately, they went out of business which is so sad. When they closed they suggested using Spot. My insurance with Bivvy was $14 a month, now because my dog has a preexisting condition they won't cover, but still want me to pay $123 a month! I know my dog is older and more prone to vet visits, so I expect his insurance to be more now. All the insurance companies I have received quotes from are close to $100 or over. I am on a fixed income and can't afford that much every month. My dog has Cushings, he has to have blood work every six months which is $365 each visit and his medicine is $138 a month. Maybe Bivvy went down because of so many costly claims and cheap prices, who know, but I sure will miss them. If anywhere out there knows where I can get decently priced insurance or a deal for seniors, please let me know. Hopefully you can comment to our posts.
Insurer: Spot
By: Ann