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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Completely disappointed in Embrace Pet…
Completely disappointed in Embrace Pet Insurance. I was a loyal customer for over 20 years. This year they increased my premium from $2748/yr for $8000 coverage to $6720/yr. Huge increase all at once. Embrace recommemded I increase deductible and decrease coverage. Absolutely ridiculous and offensive!
Insurer: Embrace
By: Kimberly
This was so easy
Easy to use better coverage than other insurance companies.
Insurer: MetLife
By: Briele Stewart
MET LIFE PET INSURANCE IS A SCAM!!!
I would not recommend MetLife Pet Insurance to anyone. I have a 10-month-old cat who has been to the vet a handful of times and has never been diagnosed with any conditions. I recently started a new job and enrolled in MetLife’s pet insurance. I submitted a claim for a routine appointment, expecting it to go toward my deductible, but it was denied due to a “pre-existing condition.” What’s even more frustrating is that the insurance company essentially assigned my cat a diagnosis that no vet has ever given him—which is ridiculous. I reached out a week ago asking for an explanation and a reevaluation, and I still haven’t heard anything back. To make matters worse, I paid for the entire year upfront, so now I feel like I’ve completely wasted that money instead of putting it toward coverage that actually supports my cat’s health. Overall, this has been a very disappointing experience, and I would strongly caution others before choosing MetLife Pet Insurance. Met life- I would love a response from you guys!
Insurer: MetLife
By: Callie Hendry
Year 2, so far so good
I’m going into year two with prudent pet and so far they’ve been great. They handled and paid out on my claims for some serious medical visits and follow up surgery for a new condition. Customer service staff has been great and answer pretty quickly by phone. My renewal recently came in and my premium somehow went down $1/month. There were some initial issues getting a claim processed because the initial medical history documents I sent and had not been properly filed and stored by prudent pet and required several follow up calls. This is the reason I downgraded a Star. This was really frustrating because I continued to speak with reps who said it was being expedited but continued to be held up. So it took over a month to get the first claim reviewed and processed, but once the documents were properly filed by a prudent pet the claims got paid out in a timely manner. Overall I’m happy with the service.
Insurer: Prudent Pet
By: Ellie O.
Kept increasing drastically
We bought this insurance when we got our puppy. He is a pure bread dog and go through several rounds of training at a service dog facility & they want the dog insured. I thought when you get insurance, the cost is not jacked up each year, especially when there have been only a few very minor claims. It started out at $88.14 and we paid that for 8 months, it went up to $105 for the next year, then up to $132.05 year 3, $184.14 and I raised the deductible to $1k and brought it down to $132.63. It just keeps going up and now we are in for $4686 premiums paid. We only had a few minor claims that it saved us a few hundred dollars on the vet visit. If the policy keeps going up, its hard to say if it is worth it or not. They say its based on what vet costs are in my area but jeeze.
Insurer: Trupanion
By: JAB
Quick decisive comprehensive quotes
Quick decisive comprehensive quotes. I also like that your plans had different deductibles. Other companies I looked at showed flat $500 deductible. Overall cost is very competitive.
Insurer: MetLife
By: Francis Billak
Ok company
Ok company. Cost escalated when my boy turned 7 yo. than mine. Staff was nice on phone. Would investigate all companies to make best choice. Did reduce to accident insurance as little more than 300 per year and cap 5k reimbursement after 100 deductible. Actually would rate like 4.5 but doesn't allow.
Insurer: Embrace
By: Renee Pfeiffer
Cheaper than most insurance and covers…
Cheaper than most insurance and covers prescriptions.
Insurer: Prudent Pet
By: Jeffdyahoo.com
They dont care about aging pets- BEWARE!
I used to be a huge advocate for Healthy Paws, recommending all my friends with pets use their services because they were reasonably priced and quick to review claims. However, due to their new policies for aging pets, I strongly advise everyone stay far away from this organization. I have 2 dogs and immediately bought policies when they were adopted. For almost 8 years, I had 90% coverage with a $250 deductible. Healthy Paws recently came out with a new policy that once your pet turns 7, the highest plan available is only 70%/$500 deductible with no option to pay more for higher coverage or to retain the coverage you had. So they forced me into a policy i didnt choose and only reduced my monthly payments by a total of $20 even though im getting 20% less and double the deductible. The fact that they are doing this based on the age of your pet is disgraceful and highly unethical, as pets need more care as they age (which was their reason for reducing coverage when they replied to my email. It literally said the policy is changing because when pets age the cost of care increases..).This showed me that they do not actually care about your pets well being, knowing that more animals end up in shelters due to high costs for medical care. They are not even willing to stay competitive in their own industry, knowing their competitors offer more customizable plans no matter the pets age. And they know their current customers are stuck with their policies because if we were to get a new policy somewhere else, everything in our pets medical history would be considered a pre existing condition. So the options are to have significantly reduced coverage due to my pets age or have nothing covered at all. Its a terrible position to be put in when all you want is the best for your pets. I’m so upset and disappointed in this company after giving them my business for so many years and am responsible for many of my friends getting policies with Healthy Paws who are now also in the same boat of feeling stuck with this terrible new “rule”. If you’re in the market for a policy, PLEASE get one somewhere else! *and before Healthy Paws tries to reply and recommend contacting them, I did that already. All their reps can do is document my concerns and reiterate what the new policy is.. so its no help.
Insurer: Healthy Paws
By: CV
Sadly did not work out
Sadly did not work out. It was more stressful than helpful. They kept saying that my digs condition was pre existing and kept saying they received no information from my vet. My pet never had any issues in the past he is young and healthy. The eye issues happened when my policy was in effect. The issue was not permanent nor has it ever happened. The fact they went out if their way to not cover a 278$ issue is a bit crazy. So far canceling was not too much of an issue. Even that process they tried to make it seem like i was past 30 days. When I was actually on day 29 to cancel. You are better off just saving money each month. One you either have extra savings or two you have the money for it. In this case, what costed me 180 for insurance and 273 to 60$ second appt of a claim made me loose out more. I heard other stories on here of ppl paying out for 10years and when they made their claim embrace tried everything to not cover. It’s sad how these insurance work. I saw other reviews that their premium jumped up even though they never mad any claims. All insurance are a scam.
Insurer: Embrace
By: Krys L