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've had Spot Insurance for my cat for…
I've had Spot Insurance for my cat for about 3 years now. I recently brought her in for some bloodwork and check up and was surprised how quick Spot reimbursed me for the visit. Read the fine print and do the math. But yes, I'm happy I got pet insurance and would really recommend Spot.
Insurer: Spot
By: Dee from Seattle
Your rates are too high
Your rates are too high. Jumping from $25 a month to $65 a month in 5 years for a 78 year old lady with one little cat is too much too fast.
Insurer: Trupanion
By: Mary
Wonderful to work with
Wonderful to work with
Insurer: MetLife
By: Darlene Murdoch
Piece of Mind
Having pet insurance gives us great peace of mind. The claims process is fast and simple. Would recommend MetLife Pet Insurance to anyone.
Insurer: MetLife
By: Brian Breeding
bad claim processing
I submitted a wellness claim, as I do yearly and for some reason it was split into a wellness and an illness claim which then had her wellness bloodwork not covered as it went to deductible. Our rates have gone up every year and now they are processing claims in a way to not pay them, I am actively looking for new insurance
Insurer: Pets Best
By: Joy Schreiber
Customer service is quick and helpful
Customer service is quick and helpful! We tried going through Costco or Sam's Club to lower rates, but since we are prior/current customers our rates would have gone way up. Each time we get a pet, we get them covered w/ Embrace.
Insurer: Embrace
By: Consumer
Phoebe lived to be 15 years and 10…
Phoebe lived to be 15 years and 10 months. Knowing she had insurance and coverage made it easier to ensure she always received the best medical care possible. She was active, happy, and well cared for by incredible veterinarians throughout her life. While the cost of insurance increased over the years, the value never diminished. That peace of mind mattered more than anything.
Insurer: Nationwide
By: Gabe G
DO NOT USE FOR FRENCHIES EVER!!!!!!!!!
DO NOT USE FOR FRENCHIES EVER. I am writing this review to document how deeply disappointed I am with Spot Pet Insurance and how completely they failed my dog and me. My experience has been financially devastating, emotionally exhausting, and ultimately has shown me that Spot does not provide the protection or reliability they advertise. 1. I paid monthly premiums, but Spot paid nothing when it mattered I paid $75 per month for coverage, trusting that Spot would help in the event of an emergency. Over the course of the year, that totaled $900. Despite this, Spot did not cover a single dollar of my dog’s care — not routine care, not emergencies, not hospitalization. 2. Spot refused to cover a life‑threatening emergency My French Bulldog suffered a severe respiratory attack that required: Oxygen Overnight hospitalization Lab work Emergency care The total cost was $4,500. Spot denied the entire claim, citing “BOAS” in his records — even though he is a French Bulldog, a brachycephalic breed by nature. This was not a pre‑existing condition; it was an acute emergency. I appealed six times, and every appeal was denied. 3. Spot also refused to cover medically necessary BOAS surgery Following the emergency, my dog required BOAS surgery to prevent future respiratory crises. This surgery cost approximately $5,000. Spot denied this as well, again using the BOAS label as a blanket exclusion. 4. Routine care was also not covered Despite paying monthly premiums, Spot did not cover: Vaccines ($60 each) Wellness exams ($125 each) Any routine care whatsoever This meant I was paying for insurance and paying full price for basic veterinary care. 5. My total out‑of‑pocket cost last year was over $10,000 Between the emergency hospitalization, surgery, and routine care, I paid over $10,000 out of pocket, on top of the premiums I paid to Spot. Spot contributed nothing. 6. Spot’s exclusions make the policy nearly useless for French Bulldogs French Bulldogs are prone to respiratory issues, which is exactly why owners seek insurance. Spot’s approach — excluding anything related to BOAS, even acute emergencies — makes their policy effectively worthless for this breed. If a Frenchie can’t get coverage for respiratory emergencies, hospitalization, or surgery, then the policy has no meaningful value. 7. The appeals process was exhausting and unproductive I submitted multiple appeals with documentation, vet notes, and explanations. Every appeal was denied with the same generic reasoning. There was no meaningful review, no nuance, and no willingness to consider the actual medical situation. Conclusion My experience with Spot Pet Insurance has been overwhelmingly negative. I paid monthly premiums for a year and received zero coverage, even during a life‑threatening emergency. I was left with more than $10,000 in veterinary bills and no support from the company I trusted to help protect my dog. Based on my experience, I cannot recommend Spot to any pet owner — especially owners of French Bulldogs or other brachycephalic breeds. The exclusions and denials make the policy effectively useless when you need it most.
Insurer: Spot
By: Giulia Paulet
Lifesaving care possible because of trupanion
Trupanion has made it possible for us to care for our pets in the best way possible. We wouldn’t have been able to afford monthly medication and expensive testing without Trupanion and we are beyond thankful!
Insurer: Trupanion
By: Christie
Increase in costs are not worth it
I’m extremely disappointed that both the monthly rate and deductible have increase so much. It doesn’t seem beneficial to keep this policy.
Insurer: Trupanion
By: Keely