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Overall Wonderful
Overall, my experience with Healthy Paws insurance has been a positive one. Everything has been pretty simple to use and very clear understanding. They make the claim process pretty easy, I usually submit the invoice and email vet clinic notes that same day and within a week my claim has been processed. Only one time did I have an issue with a mistake on a claim but once I made a phone call the individual had it resolved within a couple days. This insurance cover so much and I haven’t had any issues with no coverage other than the things that are listed in the guidelines. Great customer service and reimbursements are done in a timely matter of about a week. Highly recommend to anyone.
Insurer: Healthy Paws
By: Brittany
Bless Embrace Ins Co!
I have insured our Cavaliers , an 11YO, 7YO, and 2 1/2 YO brother and sister, since the stork brought them as puppies. When an unexpected, major, life threatening, medical issue arose with the oldest , BLESS EMBRACE, for their veterinary consultants knowledge, immediate response with an approval, and reasonably quick reimbursement, during the diagnostic and surgical phases. I only wish they incorporated direct pay as a policy. If your breed has known medical issues that you have to be vigilant for, and despite using an ethical breeder who have AKC CERTIFICATIONS going back generations, any moderate to very serious issue, will cost 4-5 figures to treat. Their 90%, $15K policies, is a life saver when that unexpected issue occurs!. I can’t begin to tell you how many times I’ve heard dog owners say, “ I had to put him/her to sleep, because I couldn’t afford the simpke, that can costx4 figures, , but lifesaving, treatment, because I didn’t have insurance”….translated as, “I didn’t want another monthly expense.” Yes, a measly monthly expense, that doesn’t even come close to what you throw out on pure none sense, every month.
Insurer: Embrace
By: Steve Fassman
After canceling my account was charged. I called and was told I would receive a full refund. I have not received it.
After canceling I was assured that I would receive a full refund. I have not received my refund.
Insurer: Embrace
By: N L
It was easy to sign up.
It was easy to sign up.
Insurer: Trupanion
By: customer
Very difficult to get reimbursed
Very difficult to get reimbursed. Very picky and many stipulations regarding what is covered. Live vet is no help whatsoever.
Insurer: Figo
By: Pamela
Embrace Embrace
I've used Embrace for years. Their terms are pretty standard, their customer service is outstanding, their representatives are very nice to work with and conscientious.
Insurer: Embrace
By: Michele
Wish I had done more research.
They find loopholes to get out of paying for claims that should be reimbursed. Nearly every claim comes back denied, even if my policy clearly states it should be covered. They consistently tell me they cannot get ahold of my veterinary office when I know this is not true. They use this as an excuse to not provide reimbursement even when I have proof that my vet responds to them promptly and gives them everything they need. Their definition of pre-existing conditions is a joke. My vet says they see Embrace deny more claims than other companies. I wish I would have asked them or done more research before choosing Embrace. Big lesson learned, I highly advise against going with this company. Read the reviews on Better Business Bureau for more accurate reviews.
Insurer: Embrace
By: Melanie Markarian
I have two young cats and thought it might be helpful in future.thought it…
I have two young cats and thought it might be worthwhile to have in’s
Insurer: Trupanion
By: customer
Easy Enrollment
It was easy to enroll our cats and the paperwork came in the mail quite quickly. We thankfully haven't had a claim yet but the enrollment experience was great.
Insurer: Pumpkin
By: 321
A very regrettable experience !
On 6/15/23, my Service Dog was seen at an Animal Emergency for a foreign body ingestion. I was advised by my claims adjuster, Taylor VanCamp that my claim had been approved in writing (attached) with the breakdown of payments and Explanation of Benefits at approximately 2:41pm PST. Please note, however, that I am highly perplexed after just received yet another email from Ms. Taylor VanCamp (after being advised that she was not in the office today) advising me that my claim is now "Pending", after receiving an Approval email yesterday indicating my claim for Cammi's foreign body ingestion has been paid and that I would receive said reimbursement within two (2) days. I am attaching this Approval email from 6/15/23 for your reference as well. I was then told by Ms. Jenna Mahan that Embrace can “correct their error” to start this process again even after I was advised my claim was approved and refunded the claim costs. At this time, I must once again request this matter's immediate attention and resolution, as I have been attempting to reach Ms. VanCamp via telephone this morning as well as Ms. Jenna Mahan -- to no avail thus far. As such and as previously advised, this matter remains grossly unresolved and time-urgent, and I must request said matter's resolution as soon as possible, as I pursue the aforementioned assistance with media Consumer Protection Advocates to ensure that my rights are protected, and that my beloved Service Dog's coverages are honored in full and urgently. It is utterly appalling and unacceptable that this company would approve my claim in writing and then renege on this — meriting urgent resolution and full approval of said claim prior to all aforementioned actions. These insurance companies need to be held accountable for this abuse of its paying customers and I request urgent resolution as a result of the distress caused by this neglect. Thank you kindly in advance once again for your expedient attention to this ongoing and highly distressing matter, and I look forward to speaking at your earliest convenience to ensure this matter's full resolution and closure.
Insurer: Embrace
By: Jay Salom