Price Satisfaction
Discover whether pet owners feel they’re getting good value from their pet insurance plans. These reviews focus on pricing transparency, affordability, and overall satisfaction with plan costs.
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Everyone was really friendly
Everyone was really friendly, and I liked that the quote I had online was the same one finalized over the phone.
Insurer: Sonnet
By: Maria Diaz
DON'T EVEN THINK ABOUT GETTING THIS INSURANCE …
I was paying for 4 years the insurance for my pet Piera with policy # 1533639-03. I only made one claim sinve I started. 3 years later after being paid for a long time, my cat had an emergency, I took her to the vet, the clinic tested her and higher recommend to have a dental cleaning because she had many dental plaques , that was the first emergency visit and I was charged US 281.80. A week later I took her for her dental cleaning and I was charged for US 350.00 more. Then I called to Met-life and I asked to the agent if I needed to put 2 different claims, the answe was NO, "you don't need to, just put everything in a single claim. Like 90 days later the claim was completely denied. Then I called again and they sent me an appeal form that would take 90 days more to see if I had a case to claim part of the money. 90 days and monthly I pay almos 30 dollars plus the 90 days when my claim was denied? I DIDN'T HAVE THE RISK AGAIN. I feel that i was robbed for 4 years. do not think about getting this insurance. It is a complete fraud. RIcardo Munoz
Insurer: MetLife
By: RICARDO MUNOZ
First year renewal was a 60% increase in premium with no claims
Thankfully, I haven't had to submit a claim, however, my first renewal was certainly a surprise. 60% increase in premium. I wound up having to change coverages in order to keep the premium reasonable. I have 2 pets insured with them. Just be prepared for the honeymoon stage to end after the first year.
Insurer: Pets Best
By: Unsatisfied Consumer
2 identical pets - 50% more
2 identical pets, 6 months age difference, 50% price difference.
Insurer: Nationwide
By: TS
I have not had any issues so far with…
I have not had any issues so far with the claims process. It has been easy and straightforward, I think since I have been set up since 2019. It has gotten a bit more expensive since I first started but overall I am happy with my experience.
Insurer: Healthy Paws
By: Mackenzie Keen
The agent (Joshua Sabado) I spoke with…
The agent (Joshua Sabado) I spoke with was very knowledgeable. He even saved me $4 dollars a month on my quote, he was very helpful and answered all of my questions. I think this was the best company to go with after doing my research.
Insurer: Fetch Canada
By: Dimitri Mimi Andriopoulos
0 star
If you’re thinking about choosing Embrace for your pet insurance, I would strongly recommend looking at other options first. I paid a high monthly premium expecting support when my dog needed medical care the most. When my dog was diagnosed with pneumonia, Embrace classified it as a pre-existing condition and denied my claim. After months of paying for insurance, I received no reimbursement for my dog’s treatment. What makes this even more disappointing is that my dog has now passed away, and instead of receiving the support I expected during such a difficult time, I’ve been dealing with the added stress of denied claims and ongoing reimbursement issues while grieving the loss of my beloved pet. Pet insurance is supposed to provide peace of mind during emergencies, but my experience has been the opposite. Paying high premiums only to have claims denied when they matter most has been incredibly frustrating and heartbreaking. Based on my experience, I cannot recommend Embrace.
Insurer: Embrace
By: Maria Jessica
Quick turn around for reimbursement
Quick turn around for reimbursement. EoB clearly explains what is and isn’t covered based on your chosen policy. Rates increase every year, sometimes with increased deductibles. I wish there was a price lock.
Insurer: Healthy Paws
By: Janice
Easy to work with and reasonable rates!
Easy to work with and reasonable rates!
Insurer: Sonnet
By: Jim Telford
If I could give 0 stars I would. It’s a complete waste of time and money.
If I could give 0 stars I would. This has been a complete scam, from the time I enrolled in March 2025 until now, end of May 2026. I have paid over $900 in premiums since I enrolled my pet. I have submitted 5 claims totaling just over $2,000 and ALL of my vet records. My vet's office also supplied all the records, which are very detailed, and go back 11 years. All of my claims were denied initially stating I hadn't provided the records. After ensuring they did have all records, I was told the claims would be reprocessed within 10 days. When I hadn't heard anything for over 30 days, I called customer service, and they confirmed I had provided everything needed and the man on the phone stated HE would personally ensure that ALL of my claims were reprocessed and he would contact me in 24-48 hours. That was 4 days ago. This morning I had an email stating I would hear from them in another 30 days. THIS IS UNACCEPTABLE. While I've been waiting on responses, I've been paying the premiums. My pet was NEVER covered under the insurance plan I've paid over $900 for to keep him safe and healthy. I've done my part 100%. ASPCA Pet insurance has NOT provided the services I've paid for. I've wasted so many hours of time on the phone or sending emails and records and I'm currently waiting on the phone AGAIN right now. DO NOT pay for this service. It is a total waste of money. And a complete waste of time, trying to get your calims paid or your money back. I have requested a refund and heard nothing back. I feel completely scammed. Updated June 15, 2026. ASPCA pet insurance still has not approved my claims or issued me a refund. At this point for my own sanity, I am just canceling the policy, even though I feel I was scammed out of $900 in insurance premiums. Don’t waste your time or money. Pet insurance is personal. We are trusting these companies to help us keep our pets healthy. I couldn’t be more disappointed by this company.
Insurer: ASPCA
By: MissDanelle