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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Unethical Business Practices
People should be aware of the way Embrace does business. Here is some context: My dog is 6ish- I got insurance for her about 4 years ago. She has no preexisting conditions, is not on any medication, and I have never filed a claim with Embrace. The premium for the first year of coverage was low (for my dog, it was $33 for the year). The second year it went up 30% to $43/month. The third year (2020) , it went up 95%. Yep, you read that right. My new premium was $85 a month- my reimbursement rate was 80% and my deductible was $750 with a max payout of $10k. The company sent out a letter claiming that they apologized for such a large increase in premiums, that they had their book of business reviewed by actuaries and needed to make adjustments. (I would be willing to bet that a lot of other people have received this letter... but at different times, not just 2020- some 2 year customers problably got theirs this year) I increased my deductible and lowered my reimbursement rate so I could afford the premium which I got down to $63 a month. This year, they have increased my premium again 24%, up to $78.30. I cannot make my deductible any higher, but I did lower my reimbursement rate, once again to get it back down to $62.00 a month. If I got to the Embrace website and request a quote as a new customer, I get a quote of $33 a month. The same rate I had as a first year customer... strange. The company blames everything but themselves when you complain about the premiums: the state you live in, how the Department Insurance doesn't set caps, etc. They know what they're doing is shady. I really hope people will stay away from Embrace. If this review deters just ONE person from buying a policy with them, I consider taking the time to write this, a win.
Insurer: Embrace
By: Jennifer
Great caring service and quick response to claims.
Healthy Paws has been a wonderful coverage for my two dogs. There prices are fair and they quickly respond to claims. They also reached out to see how my older dog was doing after his surgery.
Insurer: Healthy Paws
By: Frank
So thankful we have Trupanion!
Stella was not herself for the last week or so, barely touching food which is very weird for her. So we brought her to the vet and they ran blood work, fecal tests, gave her an anti nausea and recommended some vet food for her. Needless to say the bill stacked up fast and soon we owed over $500. Doesn’t seem like much but for us it was. Thankfully we have trupanion pet insurance and they helped cover some of the bill. Even though it wasn’t all the of the bill every little bit helps and this made us paying off her visit that much easier. I honestly sleep so much better at night knowing that trupanion has our and stellas back!! Thanks guys!!! Xo
Insurer: Trupanion
By: Kala
Saved my dog and my bank account
My dog was diagnosed with Gallbladder Mucocele and had to go through surgery. The total cost of the diagnostics, surgery and recovery was ~$20k and we got the 90% reimbursement back for every claim in the process within a week. Knowing Healthy Paws got your pups (and bank) back is peace of mind.
Insurer: Healthy Paws
By: Denis
Trupanion puts me at ease for Sadie
I liked that you responded to me quickley and itemized it for me. The one thing though is why are my premiums going up. It use to be in the 50s and now it is in the 70s. Please let me know. Is it because the dog is getting older?
Insurer: Trupanion
By:
I moved 9 months ago and recently updated my address and my rate went down.
I moved 9 months ago and recently updated my address, and my rate went down. I was told I couldn’t have credit for all the months since moved. I offered to send a copy of my closing date on house we bought. I was told that’s against policy. If I can’t get credit I will look into switching companies. Horrible policy.
Insurer: Trupanion
By:
Trupanion - Insurance you can depend on.
Trupanion always processes my claims quickly. They stand by their terms in the contract. I am never disappointed and I am so grateful for the piece of mind they give me. I know with Trupanion I can make the best choice for my dog and not worry about the cost. I would recommend them 100 times over and will have Trupanion for all of my future pets. All of my friends and family now have Trupanion too!
Insurer: Trupanion
By:
The Best Insurance
Thank you so much Trupanion, my claim was paid almost instantly taking that stress off the situation. I would recommend Trupanion to anyone who has a fur-baby. Its worth every penny to have that peace of mind and being able to get the best treatments without worrying about the costs.
Insurer: Trupanion Canada
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