154,902+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 150,000 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our review hub makes it easy to compare top providers and find your perfect match.
236,139 total
What are you looking for?
Most selected providers in "November, 2025"
This chart shows the distribution of the most selected pet insurance providers in November, 2025.
Providers with highest rating
20,332 reviews
10,797 reviews
27,491 reviews
14,162 reviews
63,007 reviews
Category with most reviews
This chart shows the distribution of review categories.
Absolute waste of money
We have been paying over $100 a month to cover our two cats. They deny almost every single claim for things they claim are covered under our plan. An absolute waste of money. Because our cat had small signs of teeth tartar before we even adopted him they will now not cover a dental three years later because in the time we owned him and he has been covered he lost a tooth and developed periodontal disease. Couldn’t even speak to a supervisor when on the phone for over an hour.
Insurer: Spot
By: Jodi Baresel
Submitting Claims
The process of submitting claims is easy breezy.
Insurer: Embrace
By: Michele Rose
Highly recommend!
Highly recommend. They saved me thousands of dollars last year when our dog had a chronic joint wound that required weekly vet visits and eventual amputation. THOUSANDS. It's worth the hassle to file the online claim and wait for reimbursement. Sometimes you have to nudge your vet or call Embrace to find out if something stalled on their side, but they always come through. Just don't expect them to pay for annual wellness exams. This is for medical-need visits only. But if your dog is anything like my border collie, those medical need visits can add up FAST. Embrace is great.
Insurer: Embrace
By: Stacia Pelletier
Great Claims Process!
Embrace is a wonderful company. Very easy claims process. I imagine this is a great company to work for.
Insurer: Embrace
By: John Hurley
Extremely User Friendly
Ease of use. The updates have made submitting claims so much easier. I just need to get better at submitting them more timely.
Insurer: Embrace
By: A.Lyons
Trustworthy insurance provider
Very easy to file a claim. Wellness rewards motivate me to stay current with my dog's care since I know I will get my money back quickly
Insurer: Embrace
By: Barbara Herzer
Awful Experience with Pets Best
I submitted an accident claim for my cat who was urgently seen for ingesting something. Pets Best didn't bother communicating to me during processing and took over a month to deny the claim. I even called customer service to ask what was taking so long and they indicated they needed ALL my cats records from the last year, despite me already uploading the SOAP notes. If I hadn't called i would have never known. I'm a new customer and not at all pleased with how they conduct their business. Poor customer service and they don't pay what you are covered for.
Insurer: Pets Best
By: Ellen
Embrace Is Worth Every Penny
Embrace is worth every penny ! Their claims service is quick and all the staff we have worked with were wonderful! I’m so glad we put health insurance in place for our gal when we got her and a pup. Now it is coming in handy as she is getting up in age.
Insurer: Embrace
By: L M
Fantastic pet insurance!
I have now insured two dogs with Healthy Paws and feel this is a fantastic company. When my previous dog got sick, Healthy Paws checked in on her and was fantastic about covering all her medical needs. And again with my newest dog, Healthy Paws has been covering his disc issues without any issues. They even cover chiropractic treatments and water therapy!! It is better than my human insurance!
Insurer: Healthy Paws
By: L
Refused Claim
Our 3 month old puppy had an episode of a possible seizure. The vet could not be sure what happened, but we thought we were going to lose her. The vet put her on an IV, gave her oxygen, did a blood test and dexamethazone injection. She stayed at the vet for 4 hours and she recovered. The cost totaled $578.85. We filed an insurance claim with Trupanion and provided the vet invoice along with the blood test analysis. Trupanion requested vet notes. We provided what notes existed and Trupanion denied the claim, they felt what was provided was not sufficient. I then called Trupanion to cancel the insurance. They extended my monthly payment due date to resolve the issue. Never heard from them and the extension passed and they charged me another month premium. I called again, for the fourth time and demanded they cancel the policy as they continued to try to stretch it out. Trupanion is unethical and not a business I would ever do business with. This was a totally legitimate claim and they kept saying they needed vet notes which I repeatedly told them they didn't exist. It is just their way of denying the claim.
Insurer: Trupanion
By: Ray