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.
20,816 total
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Very prompt reimbursing for Maisie’s…
Very prompt reimbursing for Maisie’s dental extractions.
Insurer: Spot
By: Dee Terry
I find owning a dog a tremendous expense and having insurance has helped in that regard. Thank you for your assistance.
I find owning a dog a tremendous expense
Insurer: Spot
By: Sandra Potts
Be prepared for lonnnnggggg delayyyyysss
For starters, I've been with PB now for over 3 years, this is a systemic problem! I recently submitted a claim for my dogs ongoing internal inflammation treatment. While Pets Best's policy coverage is straightforward and the premiums are reasonable, the claim processing time is a major problem. It takes an average of 2-3 weeks (or up to 2 months in some cases) for reimbursement, even when all documentation clearly outlines that the claims stem from one condition. My friends with other providers like Healthy Paws get paid out in as little as 24=48 hours after approval, or Lemonade in 24-48 hours—that's the kind of efficiency Pets Best needs to adopt to stay competitive. Overall, 2 stars; great potential, but the slow turnaround is unacceptable for pet parents dealing with urgent health issues
Insurer: Pets Best
By: Eric W
Embrace is a scam
Embrace is a scam - they keep your "wellness" contributions if you dont' use it within the fiscal year. The wellness savings is marketing as a savings plan for your pet, but they don't give customers any warning about using the funds timely. They claimed they give customers verbal notice only of it. They not have over $200 of my money that is just for their own pockets. Cancelled my insurance with them
Insurer: Embrace
By: Bharati Narumanchi
Very poor reimbursement rate
Very poor reimbursement rate. Many exclusions. Submitted $315 for an annual visit with vaccines and 1 antibiotic, received $60 back. Did not accept initial adoption with vaccine invoice bc it was over 3 mo deadline. Terrible value for the cost.
Insurer: Fetch
By: Mere
The quality of coverage you offer at…
The quality of coverage you offer at competitive pricing and the attentive service made you my clear choice.
Insurer: Prudent Pet
By: Thomas J Baker
They nickel and dime every single claim and don't expect 90% back.
They nickel and dime every single claim that is sent in. They do not reimburse 90% of the bill. They decide how much is allowable for your area then they give you that amount back. So don't expect to get back the 90% they say you get back. They will raise your premium every other year but when it comes down to paying out you need to jump through hoops. I used to recommend this company but not anymore.
Insurer: ASPCA
By: DCDC
Basic plan covers very little
I was misled around just how little would be covered without the Wellness plan, and now I'm left with almost thousands in vet expenses for my kitten that my insurance plan won't cover. To find out that the basic plan covers none of the costs of standard care and procedures associated with caring for a kitten by receiving a rejection notice for my insurance claim was fairly jarring and made the insurance plan feel pretty useless and parasitic. Yes, the details are within the policy document, but they're also buried within dense text, and they were not adequately explained to me when I was signing up for my plan.
Insurer: Fetch
By: Jonathan Fisk
Fetch Reduces Coverage Based on Claim History
Fetch may seem to have excellent pet insurance coverage. The issue is at renewal. Pet insurance is not regulated like human healthcare. When Fetch renews your policy they will reduce coverage based on your claim history. This is legal. They do this very quietly. Because of pre-existing exclusions, they know you have no options if your pet has been sick. It is classic bait and switch at it's core. You sign up with them and choose your coverage level. However, if you have filed just one claim, you cannot increase your coverage later, EVER. However, they can and will decrease your coverage. My advice is to avoid Fetch because while you may be okay during the first year, they will make up for it every year thereafter. It is extremely bad business to do this to customers. They will insist we have a choice. Afterall, we can cancel coverage and/or choose another company for a pet policy. However, this "choice" is meaningingless in practice, because other pet insurers have pre-existing condition exclusion, just like they do. If you switch, any conditions your pet has already had will not be covered with a new insurer. For this reason, having the policy with Fetch, becomes the lesser of two evils. That is why how they can get away with this. Those of us with dogs who have pre-existing conditions are stuck with Fetch or can choose to have no coverage at all. They know this and take advantage of it. If I knew what I know now, I would never have chosen Fetch. EVER. EDIT: Fetch responded to me stating that this is not true. It is absolutely true. After my renewal Fetch stopped covering supplements that were covered prior to renewal. For me, this is a huge deal because my pet has tummy trouble and the vet recommended many supplements that are extremely helpful for my dog but are not in the Plumb's book so they are no longer covered. However, these supplements were covered before the renewal. They also added a clause that allows them to reduce coverage or promos (which I have) on my policy if I have 50 claims or more. This is arbitrary. If I have to buy one supplement a month, that is 12 claims right there. They also reduced coverage regarding dental to basically nothing. They also added a $2000 sublimit for Pharmacy, unless you use Fetch Rx, and lastly they added more exclusions regarding pre-existing conditions about bilateral conditions. So YES, my coverage was severely reduced. Also, Fetch does not cover ANY food even if it is required for a medical condition and the vet prescribes it. So my opinion still stands. And if Fetch was able to determine who I am and find my policy and wants to add this coverage back somehow, then they also know how to reach me. I am waiting for an email or call. I am not calling them.
Insurer: Fetch
By: Brian M.
deductibles not clearly explained
I was disappointed to learn that there was a $300 deductible that isn't met right away. I thought that the total invoice would meet deductible but found out only partial dollars of invoice are used , So one would have to see vet multiple times before meeting deductible. That wasn't clearly elaborated to me. Also, they take their time reimbursing
Insurer: Fetch
By: STEPHEN DELUISE