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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A Nearly 100% Premium Increase
I’ve been with Embrace for about seven years. Until now, I had no major issues and only filed a few small claims. This past year, my dog needed ACL surgery, an expensive but necessary procedure that Embrace covered. I appreciated that, but any goodwill I had evaporated when I received my renewal notice. My annual premium is jumping from $1,300 to $2,500. That’s almost a 100% increase in a single year. When I called to ask why, I was told it wasn’t because of my large claim, but honestly, it’s hard to believe. How else can you explain doubling the cost? This kind of pricing is not just frustrating, it’s punishing. Many of us can’t afford that kind of sudden increase, especially after already paying thousands over the years for coverage we hoped we'd never need. I understand costs rise as pets age, but this is excessive and feels exploitative. Pet insurance should protect pet owners from financial strain, not create more of it. Embrace needs to be transparent and accountable for how these massive rate hikes are justified, because right now it feels like loyal customers are being taken advantage of the moment they actually use the coverage they’ve been paying for. I expected an increase, but this is absolutely unacceptable.
Insurer: Embrace
By: Gwendolyn Tornatore
Very easy to enroll & reasonable rates!
Very easy to enroll & reasonable rates!
Insurer: MetLife
By: KATHLEEN GAULTNEY
First I received a email statin myhow to screw a customer
First I received a email stating my insurance was going up 500 when i looked at your website it actually was going up over 1200 when i called to enquire why was told i live in a certain area code where my rate went up but the real reason is because im grandfathered in to the 100% payback and its your companies way of getting away from that and having customers go with an 80 or 90% payback it is totally wrong and i am filing a complaint with the BBB and also to the state attorney complaint office it is very shady to do business like this
Insurer: MetLife
By: Anthony zajac customer
Agent took the time
Agent took the time to fully explain policy and gave detailed instruction on how to file a claim
Insurer: Embrace
By: Robert M
Very easy experience to get quotes and…
Very easy experience to get quotes and review different plan options. I was happy to know they offered payroll deductions which makes my life a lot easier!
Insurer: MetLife
By: Loren
Constantly raising premiums, slow and not so great customer service
Your Pet Insurance is terrible. Every year you bump up my premiums by like at least $70, and your customer service is bad. Sometimes it takes weeks to process a claim, which is the same claim I submit every 50 days for my dogs heart medication. It takes weeks for your team to send the reimbursement check. Earlier this year, I had a claim that got processed and Explanation of Benefits wasn't generated, and I never got a reimbursement check, and I had to call back every 3 weeks asking why my check hadn't been received. Fortunately after the 3rd customer service person, they were able to identify it was because my Explanation of Benefits was never generated by your system, so the previous people I talked to didn't catch that and kept telling me my check was in the mail. I also one time had a claim that was resolved pretty quickly actually, however after it was resolved it said I'd receive $0 even though my deductible had been met and I should have received $167, so again I had to call your customer service to fix it. For the price I pay, and the fact you continue to raise my premiums year after year by a ridiculous amount of money, it takes forever for your team to process a claim and get me my reimbursement checks.
Insurer: MetLife
By: customer
Best prices
Best prices, easy to get refunds. Love having the wellness part.
Insurer: MetLife
By: Holliej
Simple to Understand Coverage
The MetLife policy we have for our new puppy has provided excellent coverage during her first 1.5 years. We knew that there would be many routine vaccines and new puppy mishaps, and having the ability to choose 90% coverage and include wellness was such a great value. Other companies coverage and limitations vary by condition, but the Metlife policy is so straight forward with no headaches trying to understand what is covered or why it was not. An area for improvement would be in the processing of claims and properly reviewing all pages of the documents submitted. Sometimes claims have taken extra long. In the end, phone customer service is always pleasant and helpful and once the claims are properly reviewed, I've had no issues. I'm impressed by the simplicity of the coverage compared to other companies I've used in the past.
Insurer: MetLife
By: DMN
Great coverage available
Great coverage, easy to submit a claim, and quick payment. Annual cost is very high, compared to competitors.
Insurer: MetLife
By: Christine Martino