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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Best customer service ever
First, I'm going to give you suggestions. Because the CEO won't respond. I wish reviews would be on Google. People want to know why there are five stars. Second, drop the AI voicemail. You can't interrupt you have to listen to everything just to talk to an agent.Third, please ax the ZIP code policy meaning you pay via zip code. My rates went up when I moved. Even though I offered to go to my same vet, the price increased. If a person is willing to go to their prior vet in the prior zip code, I think they should have that opportunity as you will get billed from that zip code, so all this is to the CEO. Now on to all the good stuff. This is one of the most outstanding insurances ever. Their first line of defense, their customer service is impeccable.. Impeccable. I always speak to a representative. I have never gotten a bad representative. In fact, I have gotten some of the greatest representatives that I asked to talk to their manager so that they will personally get kudos for how they went Way beyond the call of duty. They're helpful, they're compassionate as they get that your dog cat is family 1 million percent and that's important. They're also very knowledgeable! If there's a snafu they are willing to help you figure it out, help you get it worked out. Outstanding outstanding customer service. The claims generally speaking are really quick. Seriously. The only time there was a slowdown was after when the large large hurricanes and that made total sense. Otherwise, it happens. Pretty dang fast. They're on it pretty well. I recycle my money so to speak. Even if I have to borrow money and then pay it back to somebody. I know I'm going to get 90% back. So I will borrow that money from a friend and then pay them back so I can take my guy to the vet. He had a bad go of it for a while so I felt like I was living at the vet. And all those claims got processed quickly. Seriously within 10 days to me that's quick. I would highly recommend this place. Customer service outstanding, policy outstanding. They have the best WellCare ever! They pay for supplements. They pay for flea tick control. It's utterly outstanding. I cannot say enough good about them. I just wish this review would go on to the Google site.
Insurer: MetLife
By: Jodi
Good experience speaking with a Nationwide Rep
The representative I worked with was very helpful and patient in answering all my questions and giving me time to make a final decision. I think it was worth it to call directly to Nationwide instead of applying online, b/c it appears that I received a modest discount compared to the online quote, and I was able to pay for a full year of coverage for my pet with an even bigger discount than paying month to month. I feel confident that I made the right decision, however I have 2 weeks to change my mind.
Insurer: Nationwide
By: Fancy
Worst renewal
We had a generally good experience with Embrace over the years, but this most recent renewal has been a huge shock. While I expect reasonable annual increases, my premium almost doubled—jumping from $250 to nearly $600 a month. What makes this even more frustrating is that my dog had zero claims over the past year. To see a rate hike this extreme without any change in my dog’s health or usage of the policy is unacceptable. At $7,200 a year just in premiums, it is now more cost-effective for me to simply set that money aside in a savings account for vet care rather than continue with this policy. It’s a shame because the service started out great, but these 'sticker shock' renewals make it impossible for loyal customers to stay. If you’re looking for long-term affordability, be wary of the massive spikes you might face down the road.
Insurer: Embrace
By: windy Love
Excellent they are efficient caring and…
Excellent they are efficient caring and provide peace of mind. I love the insurance they provide.
Insurer: Healthy Paws
By: Lola
Stay away from Healthy Paws
I have had multiple dogs insured by several companies. I would stay away from Healthy Paws. They have he weakest coverage of the unlimited policy carriers. However, far worse is their bait and switch model. They may be the cheapest unlimited policy one can find for a young dog but by the time it reaches 7 years old this will be by far the highest priced policy of any of them. It seems they are trying to force older dog’s policies to be cancelled and many are. They were the subject of a class action lawsuit that was settled because of this bait and switch model and if we are all lucky they will be sued again. Trupanion is a probably the best choice, they are a little higher to start but the rise with age is steady, it doesn’t double and triple like Healthy Paws, so by the time they are old it’s going to be far less. There are other companies with unlimited policies as well that can be trusted, but not Healthy Paws.
Insurer: Healthy Paws
By: Dog Art
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
Straight forwards
Straight forwards, all online, simple process. Easier than Bel-Aire Direct etc.
Insurer: Sonnet
By: Kaitlin
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