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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The process of registering our Samoyed…
The process of registering our Samoyed puppies with Figo Pet Insurance was extremely easy. As expected, enrollment is very smooth—they are clearly set up to make purchasing insurance simple and efficient. Our premium was approximately $300 per month for both puppies, which we felt was reasonable given their value and status as show dogs. After enrollment, there was a standard waiting period of about two weeks before coverage became active. This is when the issues began. Our puppies were only 10 weeks old at the time—very healthy, well-bred show dogs receiving excellent care. During a routine check, we found a tick. Although it was not embedded, we acted cautiously due to their status and had them evaluated. The tick itself tested positive for Lyme disease (not the puppy). Based on veterinary guidance and out of an abundance of caution, we proceeded with a two-week course of doxycycline. We submitted a claim, and initially, the process seemed straightforward. However, when I followed up two weeks later, I was informed that claims processing takes 6 to 8 weeks, which I was told is standard for the company. This is where the concern lies. When you are paying over $300 per month, you expect timely support—especially in situations that could escalate. Veterinary emergencies can range anywhere from $1,000 to over $20,000. Many families do not have immediate access to that level of cash. A reimbursement model that takes 6–8 weeks creates significant financial strain and risk. Fortunately, we have the resources to cover unexpected costs, but many pet owners do not. In a true emergency, waiting weeks for reimbursement is simply not practical. For this reason, I strongly encourage anyone with high-value or show dogs to carefully evaluate their insurance options. We ultimately considered switching to Trupanion. While it is more expensive (our premium increased to approximately $650 per month for 90% coverage with a $200 deductible), their model is fundamentally different. In many cases, they can pay the veterinarian directly at the time of service, which eliminates the need for large out-of-pocket expenses upfront. Bottom line: Figo Pet Insurance is easy to enroll in and competitively priced, but the extended claims processing time is a significant drawback—particularly for owners of high-end or show dogs where rapid access to care and financial flexibility are critical. Before choosing pet insurance, take the time to understand not just the cost, but how and when claims are actually paid. It can make a major difference when it matters most.
Insurer: Figo
By: Esteban Marquez
Don’t waste your time/money,useless & combative!
Trupanion is totally useless.For a rescue, they deny claim for any & all Vet visits.Any health issues were deemed “pre-existing” because of “rescue.” Bottom line?They charge monthly & literally covered zero.Also customer service? Combative, when questions were asked.DO NOT Recommend, Under Any Circumstances!I would give NEGATIVE STARS rating, if that were possible!☹️😡
Insurer: Trupanion
By: Thelma Alvarez
I have been with Embrace since Jasper…
I have been with Embrace since Jasper was 3 months old, he is now 7. We have had a 2 claims, both were paid quickly and no question on them. From typical puppy antics to a recent very serious unexpected back surgery both were a breeze to file and get reimbursed on. I have a moderate deductible and a cap of $8000. It did go up after this last claim but he is getting older and the customer service person worked with me to get the renewal down. I used to have wellness on this policy as I believe in preventive care but It was really not worth it in my opinion. Glad we had this policy for this last unexpected emergency.
Insurer: Embrace
By: Kelly Borelli
Great experience
Great experience. User friendly and pricing was reasonable to cover my aging pet. I would recommend to a friend and family.
Insurer: MetLife
By: Rocky
My little Lola Mae chewed into an…
My little Lola Mae chewed into an electrical cord. Took her to vet. Trupanion paid for over half of vet bill. So glad I had pet insurance.
Insurer: Trupanion
By: EDNA BUSSELL
The best pet insurance there is
I would never own a dog without having a petsbest policy on them, Day 1. Our dog, Peyton, had cancer, and her treatment over a year and a half was almost $50,000. We could've never afforded this amount out of pocket and we would have been devastated to not be able to provide her with the best care in our area. However, we had a $500 deductible and 90% coinsurance, and petsbest paid us back for every claim. I will forever be thankful to this company for giving me another year and a half with the best girl. Our two dogs now are still with PetsBest and the Labrador mix, Indy, had to go to urgent care this week because he wasn't eating. I didn't have to think twice about okaying them to do X-rays and injections, because I knew that PetsBest had my back. I recommend this company to literally anyone who will listen. If you love your dog, they are the absolute best, hands down.
Quick and uncomplicated claim Service
Quick and uncomplicated claim Service. Reasonable cost.So glad I got pumpkin when I got my Skye. Made it unnecessary to decide between my pup and my bank account. My pup will always win, but pumpkin made it easier. Thanks pumpkin!
Insurer: Pumpkin
By: Debb
Pets Best - A Pet Owner's best friend
Pets Best pet insurance is simply the best investment a pet owner can make. Our dog Frodo Baggins is a rescue and a precious member of our family. However, he suffers from severe allergies that cause serious recurring ear and skin infections. He is also a cancer survivor. Without Pets Best, we would not be able to afford his care. I recommend this pet insurance to all of my friends and would never consider owning another dog without it. Thank you, Pets Best, for being this dog owner's best friend.
Easy to sign up
Easy to sign up! Waiting period for coverage is until 5/10 and it’s 4/26/26 but accident coverage starts 4/28/26. So if you’re thinking about a vet visit purchase your policy now. Better save than sorry.
Insurer: MetLife
By: Denise Teel
Peace of Mind with Dog Illness using Pets Best
Recently had a medical concern with my 90lb dog, Pete. Lots of testing and quite expensive. Pets Best insurance gave me peace of mind knowing a claim could be filed and I wouldn't be responsible for thousands of dollars in vet bills. Dog is ok and being monitored. Claim was simple to file and my reimburesement was appreciated.