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.
23,536 total
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Enrollment
This was easy to understand and Enroll, very straightforward.
Insurer: MetLife
By: Annette Lienhart
Increased deductible mid-policy year!
I’ve been a customer of Healthy Paws Pet Insurance for over 11 years, and I’m extremely disappointed with how recent changes to my policy were handled. My main issue is that my dog’s deductible was effectively changed mid-policy year. My dog’s deductible period runs May–May, and I had already fully met the $250 deductible for the current policy year. Before the March 11 policy anniversary, I had a lengthy call with a supervisor specifically to understand how upcoming changes that Healthy Paws forced on me would be applied. I was told that this dog’s deductible would reset in May. However, after the March 11 change, I was required to pay an additional $250 before reimbursement resumed- effectively turning a $250 deductible I had already satisfied into a $500 deductible months before the stated reset date. While Healthy Paws did notify me in advance that my reimbursement would be reduced from 90% to 70% and that my deductible would increase from $250 to $500 (which I was also very unhappy about), what was not clearly disclosed was that this change would be applied in a way that overrides an already-met deductible mid-cycle. I have reviewed the entire 11 years of policy documents and have not found anything that clearly states they can change a deductible mid-policy year and require additional payment after it has already been satisfied. To make matters more frustrating, the policy anniversary date (March 11) is tied to when I enrolled my first dog, yet my second dog’s deductible period remains on a different schedule (May–May). This mismatch creates a confusing situation where policy changes are applied at one time, but deductibles are tracked on another- making it very difficult for customers to understand what they actually owe and when. I have since reached out to Healthy Paws for clarification on this issue and was told that one of their “Licensed Insurance Producers” would contact me, but they did not. After more than a decade as a customer, I do not feel this situation was handled transparently or fairly, and I’m sharing this so other pet owners are warned how these changes may be applied in practice.
Insurer: Healthy Paws
By: Jenny Case
Amazing service thank you
Amazing service thank you! Easy claim process, fast refunds
Insurer: Pumpkin
By: Julie
NOT EVEN CUSTOMER'S BEST....
I am disabled senior displaced from new home due to environmental, biohazardous debris in studio apt for 1 mo and counting, canceled PuppySpot delivery and failed to cancel Pet's Best insurance. Many health and habibility issues persist. Pet's Best will only reimburse me for 1 month due to their rigid 30 day cancellation policy. PB website is ADA non-compliant and operator has no phone number for me to escalate my request for the 1 more month of reimbursement. This presents 1 more violation of the Americans with Disabilities Act. Inaccessibility, inflexibile rules, rigid rip-off, very poor customer service is a serious RED FLAG for pet owners with disabilities.
Insurer: Pets Best
By: LORRY DOW
The price and I’m so glad that I found…
The price and I’m so glad that I found them
Insurer: MetLife
By: customer
Total rip off
Total rip off. They don’t pay out all they do is keep raising the premium. We finally dropped it. Save your money.
Insurer: Trupanion
By: Ruben Gutierrez
Excellent Claim processing time and procedure
So glad i have them for all my fur babies. E cellent service. They are definitely Quality and i prefer them even if they are more expensive as they have a great process in place. Thanks Healthy Paws
Insurer: Healthy Paws
By: customer
Coverage
Affordable coverage. Easy to enroll., First time customer
Insurer: MetLife
By: Amy Moon
They used to be a eh ok, to dude, don't get that so called insurance
They used to be a eh, decent pet insurance, but they keep cutting things, over and over and now they are just a waste of money. They don't cover anything AT ALL. They will use every single excuse to make everything a pre-existing condition. Dog had diarrhea ONC, now anything that's gastrointestinal, is a "pre-existing condition". I used to get a discounted pet script, but because my dog had vaginitis (bulldog), again ONLY ONCE, her seasonal allergies are considered a "pre-existing condition" and they don't even cover her apoquel. I highly advise you look at other legit pet INSURANCE companies, cause this is just a place the wants your nickels and dimes and you're not getting ANYTHING back. It's a joke.
Insurer: Nationwide
By: Heather Griffin
Long time client
My cat is 17 years old, and I got him as a kitten. We've been subscribed to Fetch Pet Insurance since he was 8 weeks old, back when the service was known as "Pet Plan." Over the years, the quality of the service has slowly degraded. One year in his middle age, without my knowledge, my cat's coverage was downgraded during his renewal period, and since then, I've been unable to get him upgraded again back to my original coverage. His premium is also crazy high now that he's old. This is annoying, but I can live with it since it seems like that's kind of par for the course with pet insurance and it's true that pets have to see the vet more and have more health problems in their old age. It is however deeply annoying that he has a per-condition deductible that I have to meet over and over again for all his different "conditions." Sometimes I have to fight the adjusters over whether a medication/treatment is considered part of one condition or another. Anyone who has an old pet (or is old or has cared for an elderly relative!) will know that especially as you get older, all your systems are degrading and interconnected -- for instance, kidney disease can often cause hypertension in cats! So the per-condition deductible really seems disingenuous. It feels like a way for the company to squirrel out of paying out, and sometimes I just don't have the time/energy to fight them. The worst part however is that recently, the company acquired a (very incompetent / poorly coded and run) online pharmacy, and now coverage for medication that is not purchased through their proprietary pharmacy has an annual cap on it. This highly incentivizes policy holders to order meds through Fetch Pet RX to avoid being put in a position where you send your cat in to your vet for surgery or something, and some of the medications the vet prescribes/uses during the procedure aren't covered at all. Ordering from Fetch Pet RX is an AWFUL experience compared to ordering from any normal online pharmacy. But it really doesn't matter to the company, since their userbase is baked in and can't go anywhere. They have no incentive to improve the service. In general I am very wary of the push towards vertical integration in the vet/pet care world, and urge other pet parents to be wary as well. The more companies lock us in to their walled gardens, the less agency/freedom we have to seek better care for our pets. Perhaps this is a global trend across all pet insurance/pet care companies, but I for one will be resisting as long as I can. Get a different pet insurance for your pet (or if you can afford to, self-insure by putting money away every month!) and see your local veterinarian-owned private practice. Avoid these private equity backed corporations -- they will lure you in and trap you, and then milk you for every last cent you have.
Insurer: Fetch
By: VK