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.

236,135 total


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

Embrace

20,332 reviews

4.9
Healthy Paws

10,797 reviews

4.9
Fetch

27,491 reviews

4.9
Pets Best

14,162 reviews

4.9
Trupanion

63,007 reviews

4.8

Category with most reviews

This chart shows the distribution of review categories.

January 28, 2023

Nothing gets reimbursed

Nothing gets reimbursed, yet every month they take my money for years. Just the worst coverage I can think of and criminal. I see your response. This is me; this is my full name, look up my name and you will see all the invoices, all the vet visits, look up all the monthly charges for years you took from me, and you reimbursement rate is probably around 5%. It’s not nice what you do and households and pet owners need help, you do not offer help, you are an other bill with empty promises and I am very disappointed in you. You should be ashamed of yourselves.

Insurer: Pets Best

By: Brian J. Esposito

Verified January 28, 2023

Older Cat Insurance

I needed insurance for my two 14-year old cats which Pumpkin offered. The enrollment process was simple and pricing very acceptable considering how old they are. My experience has been very positive thus far.

Insurer: Pumpkin

By: Chery

January 28, 2023

Trupanion will never pay you

Trupanion has been a nightmare. My wife and I cancelled a separate insurance policy because our breeder offered a no waiting period option with Trupanion. Our puppy almost immediately needed surgery for intussusception which was promptly not covered as a pre-existing condition. Fine. Then a while later she started to have diarrhea unrelated to the intussusception. All 4 subsequent claims have been rejected on the basis that diarrhea was a symptom of the pre-existing condition. Great. So my wife and I call and get connected to “a pet lover” to help us out. Our vet treated the diarrhea as a symptom of giardia and confirmed it was unrelated to the surgery. On the phone the rep admitted to us that the later costs should have been covered, so we could get clarifying documents and submit an appeal. Even though the rejection was WRONG, we still have to go through additional work to get this rectified. All insurance is a scam, but Trupanion is on another level. Nightmare company disguised as pet lovers. So far we have over $5000 in attempted claims and have not been paid back a single cent. Don’t bother with this company. EDIT: today, yet another claim was denied wrongly. Trupanion will deny any claim if any symptom of a new ailment is consistent with anything labeled a pre-existing condition. The latest was a treatment for diarrhea caused by giardia, but was denied because diarrhea was a symptom of her intussusception. Our vet stated that the treatment was for diarrhea from giardia. Curse words are not strong enough to lay out how awful this company is. DO NOT GET TRUPANION INSURANCE.

Insurer: Trupanion

By: John

January 28, 2023

Well worth the peace of mind

Been insuring my pets with them for 10 years. They always come through. Most claims processed very quickly. I don’t have to give a second thought to giving my dogs the care they need.

Insurer: Trupanion

By: Chris Howard

January 28, 2023

Trupanion is always so easy to use and…

Trupanion is always so easy to use and simple coverage that’s easy to follow.

Insurer: Trupanion

By: stacy teasdale

January 28, 2023

I want to give a zero

I want to give a zero. My dog Dino was wobbly and collapsed. So I took him to the ER. I had no idea what was wrong with him. I got a vet bill of $1400. Trupanion paid zero stating upset GI tracks are not covered. Not fair. I thought my dog was dying. Looking for insurance now that covers everything.

Insurer: Trupanion

By: Andrea Snow

January 28, 2023

Scam avoid this rip off.

You cannot email Fetch. The live chat does not function when you get an agent. They have multiple phone numbers but you cannot get results. They took over my previous pet insurance without proper notification. They have a multi page policy that allows then to reject all claims. Trying to cancel is ridiculously difficult.

Insurer: Fetch

By: Constance

Useful
Verified January 28, 2023

This insurance is so easy to use

This insurance is so easy to use! File your claim online and wait a fair amount of time for your answers.

Insurer: Embrace

By: Melissa McNeil

January 28, 2023

Scam avoid this rip off.

You cannot email Fetch. The live chat does not function when you get an agent. They have multiple phone numbers but you cannot get results. They took over my previous pet insurance without proper notification. They have a multi page policy that allows then to reject all claims. Trying to cancel is ridiculously difficult.

Insurer: Fetch Canada

By: Constance

Useful
January 28, 2023

Claims

Anytime that I have submitted a claim they have paid their portion back to me which is 90%. I have never had any problems with submitting bills and getting reimbursement.

Insurer: ASPCA

By: Donna

Useful

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