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UPDATE 8/27/2023: In response to my original post, MetLife “apologized” for my negative experience and suggested I reach out to them to discuss my feedback. I did so immediately and have not heard from them since. I checked my Junk mail to confirm. I can only conclude that they did not take my negative experience seriously. Again, I highly recommend anyone considering buying their insurance to think about the age of your pet and their medical record before purchasing a policy from MetLife (or any other insurance company). Ask to provide them the pet’s medical history for a declaration of what will be considered pre-existing and thus excluded in future claims. If not, go to another provider, even if it costs more. I wrote my state’s Insurance Board, my congressman, and my senator in the hopes of spurring discussion about the negative aspects of the pre-existing exclusion clauses in these policies. I hope others will do the same when their claims are denied so that the positive aspects of the ACA surrounding pre-existing conditions can extend to our pets as well. Just a suggestion, why don’t they review the pet’s medical charts during the 2 week hold period - which starts once you purchase the policy and prohibits you from filing anything other than accident claims - to identify “pre-existing” conditions, like some other carriers? Doing so would save pet owners a lot of heartache later on when the company rejects your claims. The Claims process I went through was upsetting. Each rejection letter had generic legal responses about pre-existing conditions but no reference to what vet comment, diagnosis, or treatment in the medical record led to the rejection. They took the entire 45 days they are allotted for review to send a response to my first appeal, and it took an extra 13 days to receive the letter. Meanwhile, they were continuing to charge me monthly for a policy I couldn't use. The second appeal is supposedly done by an “independent” vet, but it has to be from their approved list at a cost of $85 - $95/hr. paid for by you. While you are told that these vets are not employees or personnel on their payroll, wouldn’t it be truly independent if it’s done by a vet that neither party has a relationship with? I wasn't willing to spend more money dealing with them, so I cancelled my policy. Perhaps buying a policy with them would make sense for someone with a puppy with no medical history whatsoever.
Insurer: MetLife
By: Paul Engelberg
I have an older horse and I was happy…
I have an older horse and I was happy that I was able to get him covered. Most insurance companies don't accept an older horse.
Insurer: ASPCA
By: Kelli Thomasen
Great service!
They take the time and consider each claim and process it in a timely manner. Very happy.
Insurer: Pets Best
By: rhonda hanaway
Great customer service!
I've talked to several customer service reps in the past few days and everyone is always so helpful and friendly. Finally got resolution on my issues!
Insurer: Nationwide
By: Tammy Willis
ON Point
Ms. Cinetra was truly helpful and patient with my inquiries and she laughs truthfully with you " as I mentioned to her that it's nice to speak to a real person at times ", she clarifies my queries in very understandable way without making you feel like a simpleton. Thank you Ms. Cinetra.
Insurer: Nationwide
By: normelita
Outstanding Customer Service
Customer service was amazing and really helped me customize our plan to meet our pet's needs.
Insurer: Prudent Pet
By: Zera Menard
Embrace pet insurance is great
I have filed four claims for two pets with Embrace and thus far have received excellent service, timely responses, and quick reimbursements. The app is simple and straightforward to use, as is the website. I have referred several friends and family members to Embrace, and at least two have purchased policies.
Insurer: Embrace
By: Kady Ellifritz
Reliability and genuine
Very efficient and caring company that explains well no hidden agenda or surprises all in a timely manor thank you
Insurer: Pets Best
By: Wendy Jones
Downgrade from bivy and I’m upset about…
Downgrade from bivvy and I’m upset about this I’m paying more for less someone please point me to better options HELP
Insurer: Spot
By: Conchetta Brown