222,670+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 222,670 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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3 Month review
My dog, Shelby, had a rough come up. He was a rescue dog and is very nervous. We brought him to our vet the first day we took him home and the vet labeled him “aggressive”. Understandable, as he was nervous to many new things. We have taken him through extensive training and he has made enormous progress. It finally came the time to start regularly brining him to the vet for check ups and get him up to date on his medical records. After 2 vet exams I submitted my invoices over to pets best. First of all it took over a month to hear anything back about anything, 2nd of all, because of my first vet visit with him back in 2021 they deemed him with “pre existing conditions of aggression” and only reimbursed me <10% of my policy’s reimbursement plan. I had a 90% reimbursement plan and a 100% reimbursement plan. Untimely leaving me with a very sour taste in my mouth. If your beloved pet had any type of rough come up, anxiety, “aggression” or any other nervous reactions to a vet, they will not cover you. The reimbursement plan essentially paid for 2/3 of the payments I made to pets best for the 3 months I was with them making it a complete wash, but now leaving me with over $1000 in vet bills. Makes me feel my pet and I are just purely a number in their system and there are no real human to human interactions. All computerized and only looking out for their pockets.
Insurer: Pets Best
By: Kyle Henneberg
Penalized for using insurance!
I've had them for over 4 years, and now they've changed my policy to increase my deductive and lowered the reimbursement limit because I'm considered "ultra high loss" LOL. So you get insurance, your pup has issues and then you get penalized for using the insurance! So don't go with them, shop around and find someone else.
Insurer: Fetch
By: Bob
User Friendly
Choosing from policies offered was very easy. I haven’t yet taken our kitties in for the check up yet, so I haven’t experienced the reimbursement part of it. I did download the app, so I’m ready to go. I’ll keep you posted on the later, but I’m confident everything will be efficient.
Insurer: ASPCA
By: Shannon Meyers
Embrace is responsive
Embrace was quick to review my claims and reimburse me.
Insurer: Embrace
By: Julie
I have not had to use this policy yet
I have not had to use this policy yet, Fetch was recommended to us. Happy to have it. Super helpful when I call.
Insurer: Fetch Canada
By: Audra Howe
Steer clear of this company at all costs!
I recently submitted a claim for my dog, Koru. He was diagnosed with cancer and X-rays showed a huge mass on his heart and lungs. I have full coverage that includes cancer and treatment, but Embrace denied my $5000.00 claim because Koru had a cough seven months ago which was diagnosed and treated for. When I showed the vet the explanation of why my claim was denied, she said there’s no way my dog could’ve survived with this growth on his heart and lungs for the last seven months and it had nothing to do with his cough which was treated! I’m unable to afford treatment for my dog and as such have had to put him down. Thanks for killing my dog Embrace not Pet Insurance!!
Insurer: Embrace
By: Matthew Gardner
The claim was paid really fast
The claim was paid really fast, and customer service is top notch.
Insurer: Pumpkin
By: Dave Ger
Read the fine print
Read the fine print! Paid monthly and annual premiums for a couple years. When I finally submitted a claim, for two dogs. I was reimbursed $16 on a vet visit that cost me more than $800. It's a bit lame that I can't reply to the Fetch reply (shown below), so I'll add context here, based on their reply. Correct, I was not reimbursed because it was not in my policy. That's why my title is "Read the fine print," and not "Do not use," etc. To pay more than $50/month (well over $500/year) for a policy that covers NO regular (necessary) wellness visit expenses is a waste of money to me. 🤷🏼♂️
Insurer: Fetch
By: Greg Smith
False Information
I spoke with a representative before starting my account and directly asked if any future bloodwork, allergy shots, and ear infections would be covered under my policy. I was concerned because while my dog did not have any conditions at the time, she had previously had issues with allergies. My vet confirmed that she was healthy at the time of starting my policy. I was explicitly told all of that would be covered under my plan. When I submitted a claim for bloodwork due to my dog’s odd behavior and allergy shots for a rash she was exhibiting, both were denied. After talking to a customer service representative, she claimed that since my dog had an ear infection previously, all allergy related issues would be counted as prior conditions. She also said that bloodwork was not covered even though the representative originally told me it would be. I had heard rumors of Pets Best being a scam, but I decided to trust the representative anyway. This experience definitely verified these rumors.
Insurer: Pets Best
By: Madison
Beleive you pay for a great service
Pets Best is a company that really make you trust insurance industries. NO SCAM
Insurer: Pets Best
By: Ted