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.
235,837 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
20,322 reviews
10,778 reviews
27,466 reviews
14,154 reviews
62,999 reviews
Category with most reviews
This chart shows the distribution of review categories.
You get answers quickly
My questions are always answered and representatives are always very polite and informative
Insurer: Embrace
By: Debbie West
Met Life for Cats is total ripoff
I got the accident and injury for all 3 of my cats. You have to fill out the claims yourself with tons of paperwork from the vets. My cat had horrible gums and broken teeth which were never made aware of until I went to the new vet. They are great, put in a claim for 10 teeth being pulled and infected and inflamed gums, claim was denied under pre-existing. $1,900 claim denied. Cancelling today
Embrace is a total scam
Embrace is a total scam. You are better off saving the premium money for when your pet needs to see a vet. Despite having received my vet records for the 12 month pre-policy Embrace is still withholding reimbursement for an emergency vet visit due to an insect bite 6 months ago. They are now requesting vet records from 4 years ago so they can keep hunting to try to find that pre-existing condition to get them out of reimbursing me. Beware.
Insurer: Embrace
By: Melissa Mowder
First claim
Submitted my first claim with this insurance company and found it to be extremely easy to navigate the system, and the payment was received in a very reasonable timeframe. Could not be happier
They don't pay! Worst pet insurance ever!
I have been paying monthly for pet insurance and every time I turn in a vet bill, they argue and don't reimburse as they're supposed to. I'm so upset right now because they have been taking my money every month, but they do not reimburse you! My vet has repeatedly sent them everything they needed, and even talked to them on the phone (8 times). They just kept finding every excuse to not pay. I do not recommend them! There's much better pet insurance out there. Met pet insurance, is a joke!! They owe me over $1,600.00.
Insurer: MetLife
By: Traci Laird
Claims are processed fairly quickly
Claims are processed fairly quickly
Insurer: MetLife
By: Debbie
I got a quick response, but no information.
I got a quick response, but it didn't answer my question. I've asked again twice, but to no avail. ☹️
Insurer: Embrace
By: Kathy Wilson
The App is easy to use and allows me to…
The App is easy to use and allows me to submit claims and upload documents without a problem. Communications have always been pleasant, professional and caring. I rest easy knowing my pet’s policy is with MetLife.
Insurer: MetLife
By: Kathy Smolenski
Satisfied Customer
The entire process was easy. My claims were handled quickly and satisfactorily. I was updated regarding the process & timeline. I was reimbursed quickly and for the amounts I was hoping to receive.
Insurer: Fetch
By: Janelle
The most money I have ever wasted. Ever.
We insured our dog with Embrace her whole life. The monthly premium started at around $60 dollars and steadily increased over the years. Last year, we paid them nearly $5000 in premiums with barely any claims. On her 12th birthday, they emailed me, telling us we'd now have to pay $733 a month - $8,796 a year for a 10k yearly max. When I complained that there was no point, and that now I would never get close to getting back the thousands and thousands I'd put into the policy over the years, they gave me some different options, but only one set that would still "cover" my dog's recent injury. I use "cover" loosely, since they're still denying the physical therapy claims. I cannot believe that now, as my dog ages and really needs the support, we won't have any help for her or her ailments, after we worked so hard to keep her happy and healthy for so long. It seems like the people who work at this company care, but their model is so broken. Maybe the whole pet care and pet insurance industry is broken. I don't know. But save the money yourself. Set it aside while your pets are young and healthy, so you can support them yourself as they age. Trust me, overall, it will save you thousands.
Insurer: Embrace
By: Teresa C.