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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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
Excellent pet insurance
I love that I get to choose what I want my monthly payment to be and my deductible and my max per year. Spot has always paid for my pups medical bills and it has been a lifesaver.
Insurer: Spot
By: Jennifer
This pet insurance has saved me money
This pet insurance has saved me money? And has been worth it! Also has given me peace of mind. Insurance claim are really easy to upload. Wish they had an app. Just like any insurance do your research. And beware insurance does go up. I am disappointed that my insurance will be going up by $$$20$$ per month. It may not seem a lot but I have other pets and this does add up to my monthly/ yearly expenses. So do look at other insurance they may have a cheaper rate each year.
Insurer: Pumpkin
By: Maysie Alvarez
Carla was great
Carla was great. She helped me get my dachshund setup with an account today. I shopped around and Fetch had, by far, the most competitive pricing. Thank you!!
Insurer: Fetch
By: Tonya Ohly
Fetch policy renewal
I talked to Kaitlyn from Fetch to get some advice as to changes I could make to my pet insurance that would help to make it more affordable for me.She gave me some good advice about what I could do to lower my premiums and also some changes she recommended I don't do. She did not rush me to make decisions and gave me time to voice my concerns about the cost of pet insurance. One aspect of Fetch insurance I dont like is that I need to pay my deductible every year even though my dog has an ongoing condition with arthritis. Other than the deductible issue I can say that I've been very happy with the claims process over the many years that I've dealt with Fetch. I was also very pleased with the help and patience Kaitlyn had with me as I voiced my concerns.
Insurer: Fetch Canada
By: Melvin Siemens
Pet Spot is AMAZING
Last year I spent quite a bit of time reviewing pet insurance companies. It was no easy feat but am thrilled to have selected Pet Spot for my cat Cali. In mid-January 2026 had to take her to the vet twice. I submitted my claim and received covered reimbursement one week later. Customer service was extremely helpful in assisting me. The on-line claim process was clear and easy to follow. The coverage was exactly as stated within my policy and I am extremely pleased and have peace of mind going forward knowing Cali is covered for future needs. I recommend Pet Spot without hesitation. A great value and excellent coverage. Thank you!
Insurer: Spot
By: Margaret L. Garvin
Highly recommended - fast, efficient service!
I have never had to use my pet insurance until these last few months (actually, never really had pet insurance until a few years ago) but man, Pumpkin has exceeded my expectations on all counts! The submission process is easy to do and they communicate within 24 hours to let me know status. Plus, you can have direct deposit to your bank so there's a very short wait period before getting your reimbursement. I HIGHLY recommend them!
Insurer: Pumpkin
By: Lauren Case
Good pricing
Good pricing. Affordable and good communication
Insurer: Prudent Pet
By: carlosgomezvgmail.com
I just cancelled my policy for my dog…
I just cancelled my policy for my dog due to a huge increase in the monthly payment. I had been a customer since 2019 so almost 8 years. If I could upload pics here I would show proof. My policy online shows my payment should be $51.51 per month. My credit card got charged $75.82 every month. I got an email that my plan renewal NEW monthly fee will be $134.68! In my entire 8 years I haven't had a claim pay out more than $400, because I have a healthy dog who doesn't have accidents. Absolutely outrageous and disappointing. While on the phone today with an Embrace representative, she suggested that if we started a new policy for my dog, with a waiting period, with new updated pre-existing conditions, that the policy could be cheaper. I explained to her that as a loyal customer that option really just FEELS wrong. It is wrong to not take care of your customers. I hope this review prevents at least a few people from using this company. Company ethics are important.
Insurer: Embrace
By: Ana
Reimbursements are prompt but the premiums are increasing too quickly.
I always get reimbursed quickly now that I know what documents need to be sent. The SOAP notes are not typically something my vet automatically sends so I have to request they are emailed to me or my reimbursement gets delayed. I am concerned about the annual increase in my premiums, however, and am not sure it is worth it in the long run. I will wait to see my next increase and decide if I will stay with them or not.
Insurer: MetLife
By: Gail