218,553+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 218,553 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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Joanna
When we walked into the vet, we were welcomed in right away. It was very calming to know that she was going t ok be taken care of.
Christmas UTI
Woke up Christmas eve to my dog Chloe having an UTI. I called and got her seen that morning. $417 later she was on the mend. I filed my claim on 01/05/2026. On 01/16/2026, Pets Best notified there was an issue with my attachment. I corrected it and it was approved on 01/29/2026. It was processed and paid on 02/04/2026. One item was not covered but the remaining 90% was. Just in time to pay those holiday bills!
Quick, Easy Claim Process
My dog was previously with 24 Pet Watch for 8 years and recently switched over to Hartville. Our experience so far has been great. Yes, my premium increased quite a bit as I've seen others comment on in their reviews, but my dog has some chronic health issues, so the annual policy limit is still very much worth the premium increase since her health issues are pretty unpredictable. Submitting a claim is super easy, and my experience has been that processing time has been right around a week, and the direct deposit for reimbursement is very smooth. I'm very thankful for that!
Insurer: Hartville
By: Melissa
Latest 1 comments
Hi Melissa, did you do anything in particular to submit a claim and be reimbursed? I’ve been fighting with Hartville for a month, submitting rounds of documents through the vet and personally, and they keep saying they haven’t received enough information. I never had an issue with claims with Nationwide but they got too expensive.
Very Easy Process
"All I did was submit the bill/progress note in the app. Very easy. In the past, other coverage I had - it was too complicated. This was great. Turn around time for payment was excellent."
All of my questions were answered and…
All of my questions were answered and it was explained to me on how the policy worked
Insurer: Embrace
By: Robert
Highly recommend …
Healthy Paws has been invaluable in my boy’s cancer journey. The claims are processed and paid within 2-3 days. Highly recommend.
Insurer: Healthy Paws
By: Marina B
I am very grateful
I am very grateful. It’s been a very stressful time dealing with the unexpected health issues with my pup. And I am so impressed at how easy and straightforward this process was. After a crazy expensive unplanned situation, getting great support and reimbursement right away was so appreciated. I’m sharing your praises everywhere!
Insurer: Healthy Paws
By: Lauren Spagnola-Robins
Embrace pet insurance was fine until…
Embrace pet insurance was fine until the last two years. We only made 2 claims for our yellow lab who is 12 years old. ($450, $1001). We expected that his insurance would increase but the amount is incredible. $550 a month. Now, it might be that I contacted the BBB last year when it increased from approximately $225 to $400. -I was able to reduce it to $342 but gave up the percentage of reimbursement and the lifetime amount.- This year it increased to $550 a month. My dog is dying from splenic tumor and a mass tumor that is slowly bleeding his life away. To operate would be $7000-$8000 and no guarantee he would survive. It was a hard choice but we chose palliative care and to keep him as comfortable as possible. However, an increase to $550 a month would cost us $6,600 yearly. The hypocrisy of this insurance Co and probably others, is definitely a form of usury. I will be contact the CFPB- even though it is a shadow of its former self
Insurer: Embrace
By: Craig Lutes
Rep was very helpful
Rep was very helpful
Insurer: Nationwide
By: customer
Doesn’t cover ANYTHING
My cat had emergency surgery. I submitted a claim and they said it was pre-existing. I went back to the vet and they gave their notes listing why the surgery was definitely not for a pre-existing condition. It was for a foreign body exploratory abdominal. MetLife denied the appeal! I was told my only other option was paying $85 PER HOUR for a third party review of the claim. This insurance is TERRIBLE!!! DO NOT GET THIS INSURANCE ! It is a scam, I got this insurance so I could be with a peace of mind and get my pet the surgical care he needed. I was told by the vet that night that he could die without this surgery. I have no idea what I’m paying for at this point if it doesn’t cover ANYTHING during times of emergency.
Insurer: MetLife
By: Olivia