207,034+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 207,034 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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Highly Recommend
Metlife's site is easy to navigate. My claims are processed within a few days and I have not experienced any issues with using them.
Insurer: MetLife
By: Jay
Great Customer Service
The ease of filing claims is excellent. We've always found the interface user friendly. We were annoyed to have part of a claim denied. The charge was listed as "routine blood draw" meaning the routine things you check on a dog when they are ill. The discharge notes clearly stated this, but the initial review denied the claim due to how the charge was listed (clearly not reading the notes). When we called to appeal, customer service was wonderful, worked with us to issue the appeal and the claim was reviewed and paid within 3 days. So while we weren't thrilled to have to go back and appeal, the process was easy and agents helpful.
Insurer: MetLife
By: Lolo
Easy
The process was easy and the reimbursement was quick.
Insurer: MetLife
By: Cynthia Hynes
Do NOT use this company!
I’ve purchased pet insurance for the past 5 years for 3 different dogs… I’ve had polices with Spot, Pets Best, Embrace, and Fetch, and Embrace has THE most predatory contract language I’ve EVER seen! It’s extremely vague so it can be interpreted to benefit the company… which in itself is normal practice for insurance companies to protect against fraud… however, Embrace routinely EXPLOITS that vague jargon to deny LEGITIMATE claims, which is something only predatory companies do! Seriously READ through their BBB complaints before you even think about buying a policy through them! Embrace will use ANY excuse possible to deny claims as preexisting or congenital/hereditary, even against the word of the EXAMINING and/or treating veterinarians… if your pet has ANY vague symptom documented (ie a one time incident of vomiting, diarrhea, runny nose, inflamed skin, etc) in their past medical records Embrace adjusters WILL link those past symptoms to their current condition somehow, even if your vet outright states they’re not related… mark my words! I purchased a one year policy from Embrace for one of our puppies and paid for the entire year up front… luckily I saw how horrible they are first hand (we only submitted 2 total claims, both to only count against the annual deductible w no reimbursement requests and it took over 2 months to process, getting one denial and one partial reimbursement and I RAN) and switched to a better company as soon as renewal time came! I consider myself lucky they showed me who they were before any harm was done… our puppy was < 1 year old when we got that policy and we ended up getting another puppy a year later and thankfully knew to stay far away from Embrace. However, a couple months ago our (young adult) daughter purchased a policy through embrace for a senior shelter dog she adopted, and as soon as she told me where she got it I made her cancel immediately and purchase a Pets Best policy instead! It’s lucky she did, because months later they finally completed the “medical review” she requested upon purchase (guess they didn’t realize she had canceled the policy), and that language was even MORE predatory than their general contract language if you can believe it! The way Embrace’s medical review was worded would’ve made it possible to deny ANY claim they wanted to! Seriously, she might as well have purchased an accident only policy at that point because her “illness” policy was absolute GARBAGE… she thanked us profusely after seeing that and said she’d tell all her friends to stay away from embrace too. Also… as for their alleged high payout rate, don’t forget they include PARTIAL reimbursements! It’s yet another shady practice of theirs. But if you submit a claim for a $5,000 ER visit and they pay the $80 examination fee and deny the rest, I really don’t think the fact they covered that one small fee will be much comfort now will it? Ask what their FULL reimbursement % is, I guarantee it’s probably a FRACTION of their partial payout rate. STAY AWAY from this predatory company!! Because if you still choose them after reading our reviews (and rumor has it they have embrace employees write good reviews too btw, read BBB complaints/reviews) and get ripped off then it’s on you. Embrace is as shady as insurance gets! Go with Pets Best, Spot, or Fetch…I’ve had all three and they’re ALL way more trustworthy!! Spot’s the best as far as customer satisfaction, but they’re also one of the most expensive… Pets Best is the best compromise between affordability and customer satisfaction, imo.
Insurer: Embrace
By: Angela Christine
I didn’t really expect to need pet…
I didn’t really expect to need pet insurance but had an unexpected surgery for my pup. The claim was easy to follow and Healthy Paws kept me informed each step of the way. Reimbursement came quickly.
Insurer: Healthy Paws
By: Katharine McLendon
Easy form to fill out
Easy form to fill out. Quick and responsive.
Insurer: Pumpkin
By: Patricia Killeen
Spot Came Through
Using the Spot app made it easy to enter my request for reimbursement. I was very pleased with the speedy review and quickly received a check.
Insurer: Spot
By: Sherry Young
Easy to file
My dog needed to go to emergency Vet twice because he ate a dead iguana on the side of the road which can be deadly. Spot Hero was so easy to file a claim with and quick to reimburse
Insurer: Spot
By: Betty J Fink