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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AVOID ASPCA Pet Health Insurance
Purchased ASPCA Pet Health Insurance (underwritten by Independence American Insurance Company, administered by PTZ Insurance Agency) for my adopted Boxer puppy in March 2026. Annual premium: $1,366. I spent an additional $2173 in care. Total reimbursed in four months: $350. A heart murmur was noted at her first wellness visit, 8 days into the policy's 14-day waiting period. The resulting echocardiogram ($620) was denied under a waiting period exclusion. Her veterinarian submitted a letter stating the murmur is clinically consistent with a congenital condition. Formal appeal denied. The policy language explicitly includes congenital conditions in its definitions of covered conditions, but the claim structure makes it functionally impossible for any congenital condition to ever be paid: it will either fall inside the waiting period or predate the policy. I filed a complaint with the Massachusetts Division of Insurance. Boxers are a breed with well-documented cardiac and other hereditary health risks. A policy that includes congenital conditions in its language but excludes them in practice is not appropriate coverage for this breed. I would not recommend this policy for any breed with known hereditary health concerns. And given the amount they actually reimbursed relative to what I paid for the premium and for the puppy's vet care, I don't recommend this pet insurance to anyone.
Insurer: ASPCA
By: CC
DON’T BOTHER. What a mistake.
When I signed my healthy baby kitten up for insurance I chose this company, Even though it was far more expensive monthly payments than others would have been, I chose it because I could have a low deductible and not worry about waiting for compensation when emergency treatments would be needed. My cat JUST turned 4 and in those few years I have not yet made a claim for him. Despite this, Trupanion has almost DOUBLED my monthly rate. I am SICK of it. When I reached out to customer service to inquire about this they said that as more similar pets to mine sign up the higher the rate has to go. So I’m effectively being punished for the success of this company attracting more customers. I asked what they could do to bring my rate back down to what I signed up for and she said I would have to triple my deductible, and gave no reason to believe they won’t continue raising the monthly rate after such adjustment. Also their app doesn’t work and their website is trash. I greatly regret choosing this pet insurance and will be changing companies for my pet, I had nationwide for my previous cat’s life and it was far superior. Trupanion has been Absolutely ridiculous. What a disappointment.
Insurer: Trupanion
By: Vee
Amanda really wowed me
Amanda really wowed me. Her genuineness and knowledge far exceeded the other insurance representatives I spoke with. I genuinely believe her and Fetch have my baby boy’s best interests at heart. Like most people I love my pup, so having someone that understands that was really important to me. Their policy options and price point were just additional benefits. I’m very, very happy with my choice.
Insurer: Fetch
By: Phil Braun
BUYER BEWARE: MetLife Pet Insurance Will Deny Everything
If you are looking for a pet insurance company that actually honors its policies instead of taking your money and running, look elsewhere. We have paid MetLife monthly premiums for nearly a year, yet we have not been able to apply a single dollar of our doctor visits toward our deductible. Why? Because MetLife’s claims team works overtime to blame absolutely everything on "pre-existing conditions" to avoid paying out legitimate coverage. Most recently, they denied a claim for an issue involving my dog's foot/toe. Their reason? They are trying to claim a completely unrelated foot issue is somehow "pre-existing" based on completely generalized medical notes. It is absolutely ridiculous! They will twist any past vet visit, no matter how irrelevant, into a blanket excuse to deny new, completely separate illnesses or injuries. They are incredibly polite in their emails ("give Zuma plenty of treats!"), but don't let the friendly tone fool you. Their business model is designed to collect your premiums and deny your claims. We are currently trapped in an ongoing, exhausting fight to appeal their bogus decisions. Save yourself the monthly financial drain and the massive headache. Future buyers beware: MetLife is a massive waste of money when your pet actually needs care.
Insurer: MetLife
By: Maxim
I have been a customer for 11 years and…
I have been a customer for 11 years and have made 3 claims. Great customer service and timely reimbursements. I know the policy cost would increase yearly, but it is getting to be quite expensive for not using the insurance very much.
Insurer: Embrace
By: Natalie
Spot is great
Spot is great! They are super fast at reviewing my pet bills/claims. I have never had any issue with getting my reimbursement. I also find their monthly rates very fair! I have been a Spot insurance holder for about 2 years.
Insurer: Spot
By: Adrianna Zell
The customer service is very thorough…
The customer service is very thorough in terms of quality and reliability. They were very helpful in providing options for affordable payments and deductible coverage.
Insurer: Trupanion
By: KC
Purchased for a new puppy in 2023 and…
Purchased for a new puppy in 2023 and premium was 60 something. Now 2026 and premium is about 189. Ridiculous! Bait and switch for sure. I purchased because they covered more than most but they are increasing premiums to the point of diminishing returns. Not recommended!
Insurer: MetLife
By: Barbara Hammill
So Thankful for Pet Insurance!
We chose to sign up for Pets Best insurance when our dog was a puppy and it was a great decision. At 14 months, she was diagnosed with immune-mediated polyarthritis (IMPA) which has required multiple medications, specialist vet visits, and rehab. We are able to provide what she needs much more easily because our Pets Best insurance covers much of her medical costs. We are so thankful we made the decision to get pet insurance before we ever needed it!
Kind and Understanding
Richard was kind, understanding and very helpful. I also couldn’t pass up the terrific discount my employer provided. So happy to be protecting my pups with Nationwide!
Insurer: Nationwide
By: Briana Manalo