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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I was always told that pet insurance…
I was always told that pet insurance would try and avoid coverage at any cost but my experience with Healthy Paws has been the opposite. I recommend them to everybody looking for pet insurance.
Insurer: Healthy Paws
By: Isaac Gunderson
🚨 PET OWNERS PSA 🚨
READ BEFORE YOU SIGN UP WITH FETCH I have been a Fetch customer for several years, including coverage for previous pets, & I have consistently accepted reasonable annual increases tied to inflation & my pet’s age. My dog, Gabi, is a 4-year-old mini Goldendoodle & still very young. My annual premiums were $432 in 2022, $640 in 2023 (+48.15%), $653 in 2024 (+2.03%), & $784 in 2025 (+20.06%). While not insignificant, those increases were acceptable. However, note the 48% increase as soon as my puppy turned one year old. Fetch has now proposed increasing my 2026 premium from $784 per year to $2,074 per year, a 164.5% year-over-year increase. Even accounting for “market pressure & rising veterinary costs,” this is extraordinarily difficult to justify. My veterinarian has not increased prices in years, & if they did, it would be a reasonable, transparent adjustment, not corporate-style gouging. 🤯 What makes this even more alarming is that this $2,074 amount is intended to become the new baseline for all future increases. My dog is only 4 years old. This is not a one-time spike. It resets the policy at a dramatically higher starting point, ensuring every future increase compounds from an already inflated number. You may be wondering why my screenshot shows $2,571.59 annually. I removed the optional wellness plan, which costs $425.56 & was added for 2025 only. Even after removing the wellness portion, my new rate is still 164.5% higher than what I paid this year, going from $784 to $2,074 in 2026. I am not looking to reduce coverage. I am looking for fair & ethical pricing. Don’t be fooled by the low entry cost. Fetch, like all pet insurance companies, does not cover pre-existing conditions. I started my dog with Fetch as a puppy, & she later required knee surgeries. Switching providers becomes extremely difficult because those conditions would not be covered elsewhere. This makes it clear the strategy is to bring customers in early at a lower cost, then raise rates dramatically once leaving becomes far more complicated. Understand that my dog’s injuries stemmed from a single accident at a dog park, where she collided with another dog out of excitement, resulting in a luxating patella. The second knee required surgery shortly after, which is common in dogs, as one knee compensates for the other & can then develop issues. This is not a recurring or ongoing condition. She has two knees, both surgically repaired & stable with pins, & no continuing problems. I should not be punished with lifelong, excessive premiums for an isolated incident that occurred early in her life. I also had my previous dog, Cooper, insured with Fetch & trusted that I could insure Gabi with you as well. That trust is now being taken advantage of. I am not a high-risk policyholder simply because my dog had knee injuries, yet I am being punished with this new premium. That is not right. Framing a 164.5% increase as “no matter the cost” feels like a guilt-based message while I am being taken advantage of. To Fetch: You attract customers with low introductory pricing, & once a pet experiences an injury or illness that is covered, switching providers becomes nearly impossible due to pre-existing condition exclusions. At that point, premiums increase dramatically, leaving customers with little practical alternative. I request this increase be reviewed & escalated to the policy underwriter. A 165% increase in one year is totally unreasonable. I understand you’re a business, but a phased increase over time would be far more reasonable than imposing a single, drastic spike like this. This increase becomes the new baseline, leaving me permanently paying premiums that are unfairly inflated and financially punishing. There will be, God willing, many years where Gabi has zero issues & no claims whatsoever, but one early-life incident should not define or penalize me for every year I am blessed to have her. Penalizing me this way is unjustified. You would have earned plenty over time without resorting to this kind of gouging.
Insurer: Fetch
By: Melissa
Rate almost doubled in one year
I've had a good experience with Embrace until this year at renewal. The rates have gone up a reasonable amount until this year when they almost doubled. It will be cheaper for me to set aside money for vet care rather than pay almost $400 for a high deductible low benefit policy
Insurer: Embrace
By: Nancy Tolin
DON'T USE NATIONWIDE
I got nationwide pet insurance for my dog a couple years ago. The first year or two I did not have to use it, as we only needed standard wellness check-ups. However this year my pet got sick and needed hospitalization. I currently pay $70/month for a max reimbursement of $7,500. Recently I got a letter in the mail saying that my current policy is going away and my new policy is $326/month with a max reimbursement of $5,000 for illness. So nearly $4k annually to get at most $5k reimbursed for illness. Furthermore since she is still being treated for the illness, if I moved to a new insurance provider this would be considered a pre-existing condition and likely wouldn't be covered. So basically even if it seems like a good deal now, it's possible if you need something in the future they will screw you over in the long run. I brought this up to my vet and she said she has heard lots of complaints from people with Nationwide pet insurance, and often hears "Nationwide is NOT on your side." To be fair, their app is easy to use and submit claims, and I did find the 24/7 vet line to be helpful. But I now wish I would have gone with a different provider to begin with.
Insurer: Nationwide
By: Laura
Don’t waste your valuable time and…
Don’t waste your valuable time and money! This company takes advantage of the loopholes woven into their policies to systematically deny valid claims, leaving countless individuals feeling frustrated, unsupported, and silenced. Such actions expose a disheartening trend that can only be characterized as a complete scam. It’s crucial to recognize these deceptive tactics and seek out alternatives that genuinely prioritize integrity and fairness. Stop paying premiums for insurance that fails to cover your pet when they’re in need of care. Choose a provider that truly understands the importance of protecting your furry family members and stands by its commitments. Your pets deserve better!
Insurer: Fetch Canada
By: Dr. Sara Mezzone-Budd
Amanda was amazing
Amanda was amazing. Great customer service. We have been with Fetch prior to this. Last year we tried a different pet insurance and was very unhappy with them. That is why we came back to Fetch, even though it’s more expensive, the customer service means a lot to me when dealing with my fur babies!
Insurer: Fetch
By: Deb V
the reimbursement rate is a joke
the reimbursement rate is a joke. We are paying nearly $300/month or two dogs. and we are getting nothing. we are looking elsewhere. also the new 9.5% increase is a slap in our face when you keep denying our claims.
Insurer: Spot
By: Kenneth
Go with the best!
I’ve been with several pet insurance companies & Spot is the best. They have not refused one claim, either applying them to my deductible or reimbursing me. They are very affordable.
Insurer: Spot
By: Rebecca Starita
This insurance has made it easy to…
This insurance has made it easy to submit the claims, I just uploaded my dogs vet bill and go from there. I do not like how much the month bill goes up per month when renewal comes around but for the claim process, it has been easy.
Insurer: Spot
By: Keri Lewis
If you are on the fence, I beg you invest in your pet, you won't regret it.
I have always heard about pet insurance but was undecided. When our Rottweiler turned 3 we decided it couldn't hurt. He's now 4 1/2 and had his first health scare. Once we quickly uploaded our receipts they paid out within 7 days and put up no fight covering the claim. What an i credible peace of mind it is.
Insurer: Spot
By: Todd