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.

236,139 total


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

Embrace

20,332 reviews

4.9
Healthy Paws

10,797 reviews

4.9
Fetch

27,491 reviews

4.9
Pets Best

14,162 reviews

4.9
Trupanion

63,007 reviews

4.8

Category with most reviews

This chart shows the distribution of review categories.

Verified August 14, 2023

Thank for all your help.

Thank for all your help.

Insurer: Trupanion

By: customer

Verified August 14, 2023

Customer service agent was very kind&…

Customer service agent was very kind& easy to understand it.

Insurer: Trupanion

By: ROMEO’s mom

August 14, 2023

No claim we’ve submitted has ever been…

No claim we’ve submitted has ever been approved. We pay $150 a month for nothing. If I could give 0 stars, I would.

Insurer: Embrace

By: Emily Cornelio

Verified August 14, 2023

Impressed What Pumpkin Offered - I'm In!

I just signed up so I can't give much feedback other than after doing a lot of research on pet insurance your offer was by far the best.

Insurer: Pumpkin

By: Dan

Verified August 14, 2023

Informative Web Site & Fairly Straightforward Sign-Up Process

We took our kitten to our vet who works at an animal hospital for her first check-up. The check-up went great and the vet referred us to Trupanion with an email containing a link to Trupanion. Using the link was easy and some information was already entered by our vet. Using the link, the registration/sign-up process went smoothly.

Insurer: Trupanion

By: Sandy Gift

Verified August 14, 2023

I have just enrolled as a Trupanion…

I have just enrolled as a Trupanion client. I have no prior experience. Tru[anion was recommended.

Insurer: Trupanion

By: LINDA MOORE

August 14, 2023

Great coverage and efficient claim processing

I brought home my English lab puppy in Jun 2020. I initially heard about Healthy Paws through word of mouth so I thought I'd check it out. After doing some initial research, I purchased coverage in late 2020 and have been a satisfied customer ever since. The monthly premiums are reasonable and the coverage is very good. I am most impressed with their service and claim processing. Case in point, I had to take my dog in for a major abdominal surgery last week. The procedure was on Tues and I submitted the claim the following day. In less than one week, I already received reimbursement via direct deposit with no additional follow up questions and absolutely no hassle -- why can't all our insurance policies be this efficient? The explanation of covered items is always thorough and the claim processing time is quick. Their customer service even sent a follow up note to check on my dog, knowing that he had a serious procedure. I'm so glad I had coverage and I would definitely recommend Healthy Paws.

Insurer: Healthy Paws

By: Charles

Useful
August 14, 2023

Easy to navigate the claim process

Embrace is so easy to navigate for claims and reimbursement for Vet services is very fast...within 5-working days. This IS our pet insurance of choice.

Insurer: Embrace

By: Alan Yamamoto

August 14, 2023

Pros and Cons

UPDATE: After leaving this review I received a call telling me how to appeal a claim which I will be doing. On another note my cat recently got Urinary crystals and had to goto a few emergency vet visits. He had this problem a few years ago and was cured of it and in remission for over a year now. I’m so relieved and grateful that spot stayed true to their policy and did not consider this a pre-existing condition. At this moment I feel the pros outweigh the cons and say I think they are worth giving a chance. ————————————————— I think this insurance is useless if you have an older pet. They should be more clear and upfront about that before people spend the money they need to pay their vet bills on this insurance. I got my cats dental cleaning done. I called Spot before time and asked if they covered this if my cat has dental disease. I was told yes - if the cleaning is for dental disease they will. I get the cleaning done and I wait a really long time to get my claim done. They reimburse me nothing. I call and ask why and I’m told that it’s a Pre-existing condition. I’m very confused now because this is the first time I’ve ever been told to clean my cats teeth. The lady on the phone sounds slightly judgmental and tells me stage 3 dental disease is incurable so it’s not covered. I called two more times. The last person I talked to was nicer, I asked if she can look through my cats medical records and tell me why it’s a pre-existing condition. It took her a really long time to look that she almost had to contact the claims adjusters. Finally she says in 2018 there is a note that says he has a little bit of tartar on his teeth. Literally all cats over the age of 1 years old have tartar. I wrote a strongly worded email to my vet asking why no one told me to get my cats teeth cleaned before. A few days ago my cat started having a medical emergency. I saw my vet and we talked about it and he tells me that stage 3 dental disease is curable and the cleaning is what cures it. He also thinks the insurance just is doing anything it can to not pay me. I’ve been out of work for 3 months and still paying for this insurance to make sure I can take care of my fur babies but I honestly think it’s hurting me more. I was so overwhelmed at the vet I started crying and my vet even covered a bit of my bill for me - more this insurance has done. I really wish I saved the money I used on this insurance because my cat is not doing well and the vet bills are pilling up. I’m worried they will not help me with any of these bills and by the time I find out I’ll have already wasted more money on them..

Insurer: Spot

By: Annamarie Carcione

August 14, 2023

Excellent service- highly recommend!

Lemonade was exceptional to deal with in my recent claims for two emergency vet visits for my dog. the claim was super easy to process and i received payments within a couple of hours. highly recommend Lemonade. great experience!

Insurer: Lemonade

Veterinarian: Eastern Maine Emergency Veterinarian

By: Carol

Useful

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