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Pet parents across the U.S. and Canada have left over 217,727 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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Mixed feelings
The most frustrating bit has been their flaky claim system. Cannot submit claims via the app or website. Always something with their azure platform. Have to email it and then you get "incomplete" claim returns and with no way knowing what the claim was about because the previous attachment didn't register so have to be very meticulous what and when you submit things. I really wish they would spend time fixing this. Had a recent pet emergency and required hospitalization and it's been two weeks and still no acknowledgment on some claims. Phoned and they told me to be patient. Emails sent to claims never respond in our experience. For past claims we are happy with the service; can't fault them. Co-pays etc exactly as per policy and I give them 5/5 for when it does work. Unfortunately have to mark them down for the long claim delays and recent issues with their systems. At least acknowledge there are issues and notify users in the app or website. It takes time to prepare the claims and when it times out without any warning and time spent on it was a waste, It's absolutely infuriating in this day and age. If you know there are issues act on it. Whoever is managing your IT systems, website or apps they need a kick up the ass.
Insurer: Pets Best
By: werner van zyl
Would not use Trupanion again
Would not use Trupanion again. We have insurance through this company for our first dog, which we bought when he was 8 weeks old. The monthly premium is reasonable. We just adopted another dog at 8 weeks old. The premium is now $100 MORE per month than what we pay for our other dog! Ridiculous! They also do not offer a discount for multiple animals. I am not shopping around for pet insurance for both of my dogs.
Insurer: Trupanion Canada
By: Yasmeen Hinton
Annual premium skyrocketed
I signed up with MetLife pet insurance three years ago. I, unfortunately, expect small premium increases each year but this year (2026) my premium went up by more than 50% — almost $1000 increase. And that is with a discount for paying it in full! For context, I had no vets visits in the past year with the exception of my dog’s annual wellness/vaccines. My dog turned five this year so he’s not even that old. It’s appalling and feels like a money grab. I do not recommend MetLife to others.
Insurer: MetLife
By: Corey
The ease of knowing our pet is covered…
The ease of knowing our pet is covered with this great ins and to pay us directly back and the process is easy to do from your phone and claims are processed fast . We are so happy that we have this ins for our pet .
Insurer: Spot
By: Lori Snipes
Terrible product
Terrible product, incredibly expensive. I honestly am angry at myself for sticking with them for as long as I did. Don't make the same mistake I did. Just figure out what your monthly fee would be with them, put that into a savings account, and boom - you have 100% better insurance than anything this company provides.
Insurer: Embrace
By: Matt
Excellent customer service and support
Called about a concern I had regarding a new claim customer service.Got the earrings.As for me that I needed and was so understanding and polite. Customer service is a key reason for any business to stay Good, and they definitely are doing it
Insurer: Embrace
By: Wally Orechia
Spot Pet Insurance was incredibly easy…
Spot Pet Insurance was incredibly easy to use through their app. I had to pay $2,100 in veterinary bills due to complications from my dog giving birth. I submitted everything directly from my phone and was reimbursed within a week. I highly recommend Spot and would absolutely recommend it to friends and family.
Insurer: Spot
By: Ed B
Although I had issues using the app to…
Although I had issues using the app to complete my claim, it was easy and completed quickly
Insurer: Spot
By: Rene Kubas