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.
235,760 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
20,319 reviews
10,775 reviews
27,461 reviews
14,152 reviews
62,998 reviews
Category with most reviews
This chart shows the distribution of review categories.
Lacking transparency
I am a 'believer' in insuring pets, homes, and cars. But in today's post-pandemic world, it's become an entirely new ballgame. The problem is that rates go up and the ins cos cover less and less. Our rate went up approx 20% annually, but what's worse IMO is that they have teased out what is actually being COVERED and called it "customization." For ex, a pet exam and prescriptions are now sep from the overall plan as a so-called "courtesy" to customer. You have to pay extra for that ($20/mth), in order for that to be included in your coverage. That's tantamount to having house ins and saying you have to pay extra for the house! If they respond w/an "I'm sorry" to this note, I'll cancel. I'm so tired of disingenuous apologies. It's about the profit margins. I taught business ethics; don't kid me w/false contrition. I know this is about the bottom line. Just keep it real with people. PLEASE. UPDATE 7/23: You sent an ADVERT in response. I specifically ASKED YOU not to reply. See how well Embrace listens: Not at all.
Insurer: Embrace
By: Leslie E. Sekerka
Appeal for claim denial
On 07/13/2024, We took our cat to the vet for a regular health examination. Having had a previous cat who experienced serious health issues, she had a heart murmur and found out she was fip, we are particularly cautious about our current cat’s health and believe regular check-ups are essential. We went there for general visit not a previous illness etc. Following the visit, I submitted all required documents, including the vet's examination report, invoice in support of the claim. But I received notification that the claim had been denied. I have reviewed the documents and the policy terms, and I am unable to understand the reason for this denial.
Insurer: MetLife
By: yuhus hugce
First claim
I made my first claim and I originally sent in the docs requested by uploading them. Then my claim was stopped waiting for a medical history of my dog. So I e-mailed my files in however a day or two later I was asked to upload the history files as they did not have them so sending them in via e-mail did not help. It took about 2 days to process the claim and then I was paid directly to my account very quickly. So far I am satisfied with Spot Insurance.
Insurer: Spot
By: Randy
Getting refunded properly ty
Getting refunded properly ty
Insurer: Fetch
By: Suzanne Connolly
Go somewhere else
Go somewhere else , not recommended at all The communication is terrible. Service worse 3 months today since I placed my claim and still waiting to be reviewed if you call is a 2 hours wait , emails they take 2 to 3 weeks to answer with vague response
Insurer: Embrace
By: sergio sosa leal
Amazing
After a rocky start in my pups life with allergies and growth issues, pets plus us has been absolutely amazing and fast with rereimbursement. Couldn’t have financially done it with out them. Thank you
Insurer: Pets Plus Us
By: Dana
Incorrect processing of claims
The claim specialists continue to change diagnosis so 1) they don't have to pay or 2) can apply a new deductible to a condition that has already met the deductible. Similar to other customer experiences, I paid my premiums for 9 years. My dog has been suffering from an undiagnosed condition for quite some time. I have filed claims to find the diagnosis. All claims state breathing difficulties. Lately, all the claims come back charging me the deductible, despite several doctor’s stating otherwise. The claims department does not return calls, even though I have asked several times. I emailed their CEO and Executive Team, and they don’t even bother acknowledging the email. If we call, customer service advises that we are wasting their time. As a result, we are pursing assistance from the Dept of Ins and legal action to recoup our losses - we have empirical evidence provided by four doctors that will show Trupanion is processing claims in bad faith and assigning diagnosis that are nowhere to be found in medical records. Today, the claims specialists literally changed the diagnosis and disregarded clinical notes provided by a renowned doctor. I was also told by a customer service representative, Mel (who advised that she had no supervisor), Trupanion’s claims specialist were more qualified to assign a diagnosis than the slew of specialists that have been chasing a diagnosis for years. We have also submitted invoices that were approved in advance of a procedure. Those invoices have not been paid, so I am not quite sure what of the purpose of the preapproval was in the first place. Trupanion as now assigned a ton of pre-existing conditions inhibiting our ability to go to a different insurance company. And the customer service number they provide, is less than helpful.
Insurer: Trupanion
By: Tina S
Amanda Mello provided excellent…
Amanda Mello provided excellent customer service. So far, the process has been very smooth.
Insurer: Fetch
By: Edith Catalina Welsch
Laura is wonderful
Laura was so helpful explaining the different coverage options and infinitely patient when I had to add my partner in as part of a 3 way call to discuss the financials. High quality customer service is such a difference maker!
Insurer: Fetch Canada
By: Margaret