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.
235,679 total
What are you looking for?
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
20,318 reviews
10,767 reviews
27,453 reviews
14,149 reviews
62,992 reviews
Category with most reviews
This chart shows the distribution of review categories.
My question was never answered as to…
My question was never answered as to how do I report visits to Pumpkin for reimbursement. Maybe if someone would contact me with an answer I could give a better rating. If not, I’ll be cancelling with Pumpkin and looking elsewhere for pet insurance. The amount I’m paying in insurance monthly would be better used as savings for when my boys need to visit the vet.
Insurer: Pumpkin
By: Wendy
Website is easy to navigate
Staff is always friendly and knowledgable. The website is easy to navigate. Claims are processed quickly and efficiently. We've been a member for over 12 years and would never switch.
Insurer: Trupanion
By: Anne
Insurance is great but gets very…
Insurance is great but gets very expensive for old purebred dogs. Their website is a bit useless. I've been kicked out of it for two months because of some widespread problem they apparently had, and now nobody can fix the issue and get me access. I've called six times - always told it will be fix but it never is. They do give you a way to submit a claim without the site, but I can't see status of past claims and when I call about an unpaid claim, sometimes they say there's no record of the claim. For a company the size of Nationwide, you'd think they could fix a data issues with their site, but they can't. Be cautious - maybe look for better options.
Insurer: Nationwide
By: Jeff Muschar
Paid Only After Pressure – Serious Concerns About Practices
I’ve been an Embrace customer for a couple of years, and my recent experience was eye-opening. When my dog needed urgent spinal surgery, the company initially denied basic diagnostic claims. They pointed to a temporary limp from hard play 18 months ago as a chronic spinal condition. The worst part is they added that condition after providing me a complete medical history that had no orthopedic pre existing conditions. They denied the claims then added the pre existing condition. Only after I escalated to executives, filed complaints with the Georgia Department of Insurance and the NAIC, and involved USAA (who recommended them) did they reverse course and eventually approve over $9,000 in claims. Along the way I documented: • Post-claim underwriting – adding new “pre-existing” items after issuing a clean medical history. • Burden-shifting – language in their policy that tries to make customers prove a negative before coverage is restored. • Misrepresentation of a medical record – statements about when they received my vet’s files don’t match the written evidence. • Overbroad exclusions – attempting to block all future skin conditions based on two benign bumps. Yes, they ultimately paid, but only after weeks of pressure. I’ve submitted formal complaints to regulators so they can evaluate whether these practices meet Georgia’s insurance-standards. Pet owners deserve straight dealing, not shifting explanations after you’ve already paid for care. I will be looking for a new provider for my younger dog.
Insurer: Embrace
By: Ed Dombrowski
Very user friendly and quick response.
Very user friendly and quick response.
Insurer: Spot
By: Monica Maha
Quick, easy, and affordable
The process of using the insurance was quick and easy. Everything is explained and the website for claims is easy to use. Pumpkin fits in our budget and are very pleased with our experiences so far.
Insurer: Pumpkin
By: Jeanna
PetsBest has been great
PetsBest has been great! We have a dog that ended up having some medical issues and without insurance, we would. It have been able to continue caring for her. They consider all claims and reimburse in a timely manner.
Insurer: Pets Best
By: H Doe
I enrolled a new cat
I enrolled a new cat, my family, and added a plan. Long story short I received some emails and I had a lot of questions concerning how I and what process I had to go through in order to get insurance. I called several times and I kept getting a lady that did not speak English well and any question that I had. I’m sure she was reading from a manual on what she should answer. I follow spot on TikTok and sent a message and I did get a call back and the issue got taken care of. I have been a customer for I’m sure at least two years with one cat I added you guys because I feel safe with my cat having you as insurance.
Insurer: Spot
By: Monica Bruns
I am very happy and pleased.
I am very happy and pleased with Spot Pet Insurance as customer service is patient and answers questions with confidence and respect. The service is fast and the website is friendly to user. It is refreshing to be treated with kindness and civility. Thank you!
Insurer: Spot
By: Eileen