220,145+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 220,145 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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Pets…
Easy process to sign up and get your quote! Ty
Insurer: Nationwide
By: customer
The enrollment process was extremely…
The enrollment process was extremely easy.
Insurer: MetLife
By: James Harrington
Submitted claim and it was settled and…
Submitted claim and it was settled and refunded in a matter of a few days. Prompt service! Also very helpful answering questions.
Insurer: Spot
By: Pauline Bouchard
Refusing claims because no medical history of Stray dog
Found a stray German Shepherd Dog a year ago. Took him to the vet and took out Embrace insurance on him. Had some small things with him in the past year that needed medical attention. Embrace refuses the claims cause the invoices are not through their electronic system. Last thing I took him to the vet for stitches after he ripped his ear somewhere. Embrace refuses payout because they want his medical history from before I started the policy 1 year ago. But he was a stray! I'll stay away from Embrace.
Insurer: Embrace
By: Willem Bousema
The claim was easy and the refund was…
The claim was easy and the refund was quick. Just uploaded the receipt from the vet and the money was deposited in a few days. No issues at all
Insurer: Pumpkin
By: Melissa
If you have a pet
If you have a pet, it is best to have this insurance as an offset.
Insurer: MetLife
By: Yale Lewis
Spot Pet Insurance Finds Every Excuse Not To Pay
My experience with Spot Pet Insurance was an absolute nightmare once real veterinary expenses started happening. Collecting premiums every month was never a problem for them, but the second claims were submitted, the company suddenly became experts at twisting unrelated medical issues into “pre-existing conditions” to avoid paying. What made this even worse was the complete lack of transparency. Claims were denied with vague, generic explanations instead of clear evidence or detailed reasoning. Multiple unrelated conditions were lumped together under broad assumptions, and requests for line-by-line claim reviews or specific policy justification were met with canned responses that answered nothing. The entire process felt designed to frustrate customers into giving up. Instead of helping during an already emotional and financially stressful time, Spot created even more stress through delays, deflection, and blanket denials. The marketing promises and the actual claims experience felt like two completely different realities. If you are shopping for pet insurance, do yourself a favor and research companies with a proven history of honoring claims fairly. In my experience, Spot was far more interested in protecting payouts than protecting pets.
Insurer: Spot
By: Joshua
Quick and fast service for my Dane
My Dane got bloated, they were quick, easy and processed multiple claims. One claims they processed within 17 minutes. The money was transfered to my bank a couple days later. When your going through something like that, the last thing that needs to be on your mind is how can I afford this.
Insurer: Pumpkin
By: Brandi Stanfield