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I love my pets insurance company
I love my pets insurance company. It’s amazing thank you so much.
Insurer: Spot
By: Christina Arzate
Lost of Trust
I have been really unhappy with Embrace lately. I've been a customer for a little over two years with my four-year-old golden retriever. I submitted my first claim with my dog for a UTI infection back in February of this year. After three months of little to no communication I received a notice from a claims adjuster stating that because I didn't have a wart tested for cancer, three years ago in 2021 when I wasn't covered with embrace, I was to be excluded from coverage with cancerous masses in the future. I have since contacted my veterinary myself and filed a formal appeal to the exclusion. When I signed up for Embrace, I was excited with all the good things I've heard. I felt like I had a safety net for if and when my dog needs to go to the hospital. After this experience I have lost that trust with this company. I feel like I'm paying a lot of money with higher rates every year. To work with a company that is looking at every reason to not provide the coverage that I'm paying for and that my dog deserves.
Insurer: Embrace
By: Patrick
Easy to file claim & payment quick
Easy to file claim on line. Processing and payment is quick.
Insurer: Spot
By: Terry
Amanda was very pleasant and very…
Amanda was very pleasant and very informative and detailed of her knowledge Truly appreciate her love for animals.
Insurer: Fetch Canada
By: Brenda L
Just got a puppy a few weeks ago and…
I got a puppy a few weeks ago and insured him with Embrace. I chose the best coverage possible. This included an UNCAPPED LIMIT for both illness/wellness with an 80% payout and a $250 deductible. I also added the vet fee, medication, and $650 wellness to the plan. On a Friday night around 10 pm, my pup was acting out of the ordinary. He was lethargic and we could not figure out what was wrong. The next day (first thing in the AM) my wife took him to the hospital and they found out he had a fever. They did bloodwork and every test possible but could not find anything else. The hospital just gave him an IV and sent us home with some meds. The total bill was $850 for this visit. Mind you I received an email that exact day that my 14-day grace period for illness had just passed so everything was supposed to be covered on this particular day. I filed a claim that very day and waited. The following week I received and email with a list of pre-existing conditions. In the list was vaccine injury, entropion issues and to MY SUPRISE "DECREASED APETITE!" They denied my claim completely due two reasons: They said since he was sick the day prior (2 hours before midnight) that he wasn't covered. This is even though we took him on the day he was SUPPOSED TO BE COVERED. The other reason was DUE TO THE PRE-EXISTING CONDITION "DECREASED APETITE." I was extremely upset when I saw the claim being rejected. What kind of "UNETHICAL PRACTICE" uses decreased appetite as a pre-existing condition?? Any time any pet or even human is ill they will have decreased appetite. This means that all illness claims going forward EMBRACE will be denied. I called them about them using decreased appetite as a pre-existing condition. They had no logical answer for it. Even some of the reps understood the problem. That means that if your pup is ill and you tell your vet he has decreased appetite they won’t cover the illness coverage. Isn’t that crazy? How can this be a pre-existing condition??? I am extremely disappointed in Embrace. I will be changing insurance.
Insurer: Embrace
By: Sam Noyola
I called to get a little clarification…
I called to get a little clarification on what is/isn't covered, particularly for the wellness portion, and the rep. I spoke to was very pleasant and helpful. The discounts for multiple pets, annual payment, and AARP members really help.
Insurer: Fetch
By: Julie
Spot is awesome!
It's really easy to file a claim and it's a relief to know I have some financial support in caring for my senior sweetie.
Insurer: Spot
By: Dawne Eng
Frustrating Customer Service experience
As a first responder, I am eligible for a 10% on policies and that is great! My 2 dogs have been insured since they were pups and we just had our first claim which doesn't cover the deductible. Without any notice, our monthly premium increased $50 a month! I understand rates increase with age but YIKES? As well, the discount "dropped off" somehow. I emailed customer service and the discount was reapplied back to January. Unfortunately, only March was discounted and I have been trying to get reimbursed for January and February. Was told by email agent after several messages I need to chat or phone to speak to a "specialist". Asked him to forward my issue to them and have them contact me. Crickets! Chat hours are more flexible so I chose that option. Asked the agent if she was a "specialist" to which she replied "I am a chat agent". After explaining what my issue was, she told me I need to phone in. I'm MST and their phone lines are closed. This has been ongoing since March. If my dogs were younger I'd switch to another provider.
Insurer: Fetch Canada
By: Vickie Bridge
After I explain and mailed you my…
After I explain and mailed you my recite. I was pleased .but I am 80so trying to seend you copy's by my phone is not good.
Insurer: Spot
By: Phyllis Ray