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Pet parents across the U.S. and Canada have left over 207,035 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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I hate to do this but...
Hate to have to give this rating but I have to. I have been with embrace for about 4 years. I received the quote for next year and my jaw dropped. I understand as a pet ages the cost for renewal goes up. It works the same way with humans. Every year it would go up around $100-200 but not this time. I paid about $700ish for all of 2025 and next year is about $1300ish. Almost double, this is insane. It was this year that I discovered he has Cushing's Disease and gallbladder sludge, what a coincidence. I believe this is deceptive practice because in "pet insurance" world, if your pet has a pre-existing condition, you can't just up and leave to another insurance. I feel this is how they trap you because they know that you do not have the freedom to just up and leave. Now you just have to settle on the exorbitant price increases. They will hit you with this copy/paste message " Embrace evaluates our premium increases annually based on our entire book of business focusing on several factors, including the age of the insured pet(s), the tenure of the policy and also factoring in veterinary inflation. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. We strive to find a balance in maintaining quality coverage for the pets that we insure, while also factoring in changes in the marketplace." This is just an excuse to lighten the blow to you. I reiterate, the reality is if your pet develops a condition under their policy, they see it as free reign to double, triple, quadruple your renewal because no other insurance will take you now. Be careful. I will be challenging this.
Insurer: Embrace
By: Simply
Easy peasy claims
Claims are easy to submit and they are quick to review and approve.
Insurer: MetLife
By: customer
I appreciate that Fetch sends update…
I appreciate that Fetch sends update emails. Even though they stated that processing might be slower due to increased claims, I found the process was not slow at all.
Insurer: Fetch
By: Marilyn
AMAZING
This insurance js amazing! I tell people my dog has better insurance than me. They approved my claims within minutes and I received the money the same day! So thankful to have a peace of mind when it comes to my doggy!
Insurer: Pumpkin
By: Trisha
Get shocked during Renewal
Expect a significant hike during renewal - Customer Service and Management cannot explain or justify the increases. Otherwise best plan out there.
Insurer: MetLife
By: Customer for years
I can’t say enough good things about Healthy Paws
I can’t say enough good things about Healthy Paws! This was my first claim for my 5 yr old Shichon, Molly. She needed emergency surgery for bladder stones and the bills were adding up quickly After providing some required history information Healthy Paws processed my claims quickly and I received my checks shortly after the claims were closed! Molly is doing great and it is comforting to know that Healthy Paws Insurance can be counted on to process and pay claims in a very timely manner! Thank you Healthy Paws Team!
Insurer: Healthy Paws
By: Karen
Clear Communication
Clear Communication Prudent Pet made it easy to compare with other providers. I'm particularly pleased with Unlimited Coverage to help me keep my dog healthy for the rest of her life.
Insurer: Prudent Pet
By: Terry
Grateful
Not only is the app very simple to use but submitting a claim is easy and im so grateful for this insurance. Theres no way id be able to survive without reimbursement. Its been worth it every year.
Insurer: MetLife
By: Gabriela
I purchased pet insurance through work…
I purchased pet insurance through work in October for 2026, and now an being told that the plan I bought is no longer available with Nationwide. It is unacceptable that I purchase a plan that Nationwide then removes and replaces with a new one. That is not how a purchase agreement works.
Insurer: Nationwide
By: Gina