209,304+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 209,304 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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The care team is always kind and…
The care team is always kind and courteous. Claims are always processed in a timely fashion.
Insurer: Trupanion
By: Alexis Cino
Great price and ease of navigation
Great price and ease of navigation
Insurer: MetLife
By: Terry
Warning about Spot
Spot has drastically changed over the last year and is now aggressively pursuing claims denial. They were largely taken over by a large holding company called IPH who now control all underwriting and claims. They were a well respected and good company who established a better reputation than competing brands. Here’s a real life example of the aggressive and unethical practices: I have a current claim pending for $400 and appropriate vet billing and medical records were provided. They are denying the claim because they have not received medical notes from three additional vets. Well the catch is that she has never been to these three vets. They were vets who saw 2 of my other dogs over the last 1.5 years. Although I have offered to obtain verification from these vets spot declined this and has said the claim will be closed unless they receive medical records. Bizarre but true. My only recourse is pay an attorney serial times what the claim is worth or go to my states insurance commissioner, but they need to see that some sort of specific law or regulation has been violated. The bad news is that at this time the Pet Insurance industry has been able to function largely unregulated, meaning they are able to make decisions based on their own assessment of claims as long as they don’t overtly break the law. I have had health insurance for my Pets over the last 10 years and have seen this trend not only in Spot but in other companies especially over the last three or four years.
Insurer: Spot
By: Jim Saxon
Long wait times
Aspca pet insurance has way too long wait times for reimbursement, choose carefully
Insurer: ASPCA
By: Kathleen Metro
Claims are processed in a timely and…
Claims are processed in a timely and professional manner
Insurer: MetLife
By: JACQUELYN
Always able to get a hold of agent when…
Always able to get a hold of agent when needed. Very good customer service.
Insurer: Nationwide
By: customer
Horrible - difficult pet insurance
I'm a veterinarian - I recommend pet insurance to all pets. However, I've had Fetch for all 8 of my pets for many years and all I've ever had is problems with them. They never seem to want to pay out at all, they make it difficult always asking for more information or the claim is on hold or cannot be processed. Even though everything has been submitted. It is so difficult to talk to an actual person for help than talking with a stupid bot that CANNOT do anything to help. I'm starting to absolutely despise this pet insurance and plan on moving over to Trupanion, which seems much better.
Insurer: Fetch
By: Jess
Three stars out of five
I would like to leave my review about this pet health insurance. Maya has been insured with this company since she was a puppy, back in 2016, when she was just a few months old. We got the insurance as a precaution. When she was 10 months old, she fractured a bone in her leg. She had surgery, and the insurance reimbursed us 80%. She remained on this insurance for several years. When I found out that my husband had canceled her policy, I immediately reactivated it on October 15, 2021. Maya was going to turn 6 in December. Unfortunately, on February 10, 2022, Maya needed another surgery to remove the pin from her leg. As she grew, the pin had shifted into her knee, and she was having difficulty walking. She underwent the second surgery, and I filed a claim — but they did not reimburse me, stating it was a pre-existing condition. I was very upset, because they were already aware of her full medical history, including the first surgery. However, since the policy had been canceled and then reactivated, I believe they may have assumed we were trying to take advantage of the situation, which was not the case at all. I eventually let it go, although I remained very disappointed, and we paid for everything out of pocket. She has remained insured to this day. Recently, she had to undergo yet another surgery on the same leg — her third surgery, in 2026. Maya is now 10 years old. This time, she was diagnosed with osteosarcoma and had to have her leg amputated. The insurance reimbursed 80% of the costs. Overall, I would not give this insurance 5 stars. Because of the second surgery, which I believe should have been covered, I cannot rate it that highly. However, considering the customer service and the speed of reimbursement, I would give it 3 out of 5 stars. I also would not give 5 stars because I consider the monthly premium of $228.69 to be quite expensive.
Insurer: Healthy Paws
By: Priscila Dos Santos
Better plans were expected
My previous pet insurance did not have annual maximum coverage. Having dogs for many years, I know 5K for illness or injury will not be enough to provide the best possible healthcare. More options for additional coverage would have been appreciated. Additionally, while Nationwide is not the most expensive, there are better plans. I hope this can be negotiated with my employer next year.
Insurer: Nationwide
By: Matt C