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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Trusting Embrace Pet Insurance was my biggest financial mistake.
I would never recommend Embrace as a long-term safety net for senior pets. Trusting Embrace Pet Insurance was my biggest financial mistake. After more than six years and five pets insured, my monthly premium jumped from $347 to $647 at renewal, an 86.7% increase. I have accepted premium increases for years, but nothing remotely close to this. When I escalated the issue to Embrace's senior management, I was told my only options were to pay the increase, reduce my coverage, or cancel it altogether. There were no loyalty accommodations, grandfathering provisions, or retention options. I also asked whether future renewals could see increases of this magnitude again. I was essentially told that premiums are determined by the underwriters each renewal, meaning there is no cap and no guarantee that another increase like this couldn't happen in the future. Now I'm trapped. My senior dog's age and medical history make switching carriers unrealistic because much of his history would be considered pre-existing. My advice: research carefully before choosing a pet insurer, and avoid Embrace Pet Insurance, they will punish you for years of loyalty!
Insurer: Embrace
By: Laura H.
Emergency Surgery for Senior dog
My dog has been insured with Pets Best a few years...before this we had another insurer through my job. Her premiums did go up after the age of 8 but I figured that was very acceptable. I honestly considered dropping coverage because she turned 10 and had never needed any major medical. Well about 12 days ago at 6am we get up and she is totally lethargic, not stable and can't keep her legs under her. This is a complete shock and I could not figure out what happened. I rush her into Vet and her blood pressure is crazy low...they find a small internal bleed and see a mass on the scan. She was kept all day on IV to bring her BP into a safe zone/stable. The next evening I took her for surgery to remove the mass and her spleen. The Vet said it was a 20% chance benign and most likely she wouldn't have much time left with or without the surgery. We did it anyway. My baby has made it and that huge mass was not the aggressive cancer they thought! Her biopsy came back looking pretty good-and I am so grateful for this insurance. I submitted the claim and had a fully detailed breakdown within 5 business days. The refund was approximately 85% of my total cost and it was paid within 10 days of her surgery. This is better than my $800/m Blue Cross coverage. And much faster. I really want to thank Pets Best for making an extremely stressful and emotional time so much easier. I plan to enjoy spoiling my baby rotten a few more years and we are keeping this insurance!" 100%
You are better off just setting aside cash and signing up for a wellness plan
You are better off just setting aside the premium you would have paid them and investing or saving the money yourself. They are awful. They don't cover anything, they raise the prices considerably every year and lower the coverage, raise your copay etc. Also they don't cover any exams. Even if you bring a sick pet in, need emergency blood work, etc. They just call it an "exam" and won't pay for ANYTHING. Don't use them. I got stuck with them because when it came time to finally use the coverage I'd been paying for years for, my dog was older and so any pre existing conditions made me stuck with them. Sign up for a wellness plan with Chewy or some place like that, save your cash for when you need emergency care. Healthy Paws will do EVERYTHING to make sure they cover as little as possible. Literally made me hate pet insurance! So mad at myself for being stuck with them. I warn everyone not to get trapped into using them.
Insurer: Healthy Paws
By: HR
Easy and cost was realistic
Easy and cost was realistic
Insurer: MetLife
By: Edward Pena Ruiz
Fantastic
I am enthusiastic about coverage for my pet concerning any illnesses, and accidents,for a low monthly price. We all know animal care can be extremely high.my pet means the world to me and id stop at nothing to take care of him.
Insurer: MetLife
By: Natosha Faw
Premiums go up and benefits go down!
I have been with Healthy Paws since 2016. I have had little to no claims and my premium keeps going up. It is almost triple from when I started. This year it went up 20% and they increased my deductible and lowered the percentage that they pay out!!! It is a criminal act in my opinion. Don't get sucked in, open your own savings account and put the money in it instead.
Insurer: Healthy Paws
By: Joe Grech
ease of enrollment and great reputation
ease of enrollment and great reputation
Insurer: MetLife
By: Mark Tucker
Great Experience and Price
Just amazing overall experience and ease of getting set up. Also, the pricing is just amazing.
Insurer: Nationwide
By: customer
Claim Processing Challenges and Extraordinary Annual Premium Increases
I have had Healthy Paws pet insurance for my two dogs since they were 12 weeks old. They are now 11 1/2 and 9 1/2 years old. They're very healthy dogs and have had virtually no claims their entire lives. Two months ago, my 11 year old had a wellness exam and his bloodwork had anomalies. The vet recommended x-rays followed by a visit to a surgeon, an ultrasound and a biopsy. Healthy Paws paid the initial claims related to these procedures, up to the $1,000 deductible I have, but now all of a sudden have demanded my dog's vet records since he joined my family 11 years ago! This is to cover the cost of the latest ultrasound and biopsy. When I questioned how this makes sense given the company has already approved claims for this same issue and already have the records documenting when the issue was first detected, I get a response that doesn't address my points and merely reiterating the demand for all records. I find this particularly outrageous, especially given the astronomical premium increases the company regularly imposes. I have literally spent thousands of dollars on premiums with Healthy Paws and am now stuck with the company, sadly. And now the company is slow-walking and imposing obstacles seemingly trying to deny the latest claim (which is roughly $550, though it's already approved claims totaling $1000 (conveniently my deductible) for the same issue. It appears now that I've met the deductible and it's time to start paying 70% of my claims, the company is resisting approving additional claims. When I adopt another dog, I will definitely be shopping for a different pet insurer. I do not recommend Healthy Paws for anyone shopping for pet insurance.
Insurer: Healthy Paws
By: Bob M