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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This company is amazing
This company is amazing. Using the App it’s super easy and fast to file my puppy’s claim. And they keep you updated with the claim tracker. Let me say it’s expensive when taking my puppy to the vet for her check ups, vaccinations and spay. This was the best thing I could have got for my puppy knowing that she is covered with MetLife pet.
Insurer: MetLife
By: Carlos Quintero
My experience was good submitting my…
My experience was good submitting my bill for Addie Maes doctors vist at Flannery's Hospital in Newburgh. The only issue I had was that it was necessary to start a new claim when I needed to submit more paperwork that Metlifr Pet Insurance needed because I could not submit said paperwork to an existing claim. They need a submit paperwork to an existing claim.
Insurer: MetLife
By: John Gregory
Thankful for Healthy Paws....
It was a little tough to pay up front but Healthy Paws reimbursed exactly what they said they would. It made an extremely scary and stressful time just a little but easier to bear knowing we had coverage for her. Thank you Healthy Paws!
Insurer: Healthy Paws
By: JODI Jackson
Easy Filing of Claims With Phone App
Easy to navigate website for filing of claims; agent on phone was extremely helpful in answering questions to assist with initial claim; I wish instant chat messaging was available
Insurer: MetLife
By: customer
If I could rate them less than one star…
If I could rate them less than one star I would. Here is another company quick to take payments for a policy and then use every excuse in the world to not pay legitimate claims that filled claiming can’t be read not detailed,no response from Vet which according to their staff is not true. I have sent paperwork to them 6 times about two separate issues none of which have been resolved and are not trying to resolve. I am canceling this crappy company and having my card company reverse all payments because they don’t honor a Dame thing they say.
Insurer: Embrace
By: Donald Bayless
Had coverage with previous pets and we…
Had coverage with previous pets and we were very satisfied.
Insurer: Nationwide
By: Nora Lestein
You’re better off putting the money in a savings account
You’re better off putting the money in a savings account. I paid close to $3000 over the last 4 years of coverage. When I tried to make a claim that was only about $50 over the deductible, so with the 80% reimbursement rate I’m only getting $40 back, it was declined because they couldn’t verify that she was healthy for the previous 3 years I’ve had the policy. Due to their “cancellation policy” they couldn’t verify only refund half of the premium I paid yesterday.
Insurer: Fetch
By: Alexander Sindorf
Embrace Policy Premiums continued large increases
We have had an Embrace Policy for four years. We have not had any claims that were covered according to their criteria. Our pet is healthy. Nevertheless, our premiums have had double digit increases year after year. The quoted 2026 premium is 250% above what we paid four years ago. We are going to research other options.
Insurer: Embrace
By: Margaret Benziger
I have a love/hate relationship…
I have a love/hate relationship w/ Nationwide Pet since March 2018. I have insured 8 pets at one time. I work in vet med & rescue animals. Here's the Good, the Bad & the Ugly. Initially, NW only gave pets under 1-yr "Major Medical" plan. Reimbursement is based on medical condition & it's allowable amount. It is substandard coverage, and excludes common sense conditions, like intestinal parasites. Premiums were fair, however. The biggest problem w/ "Major Medical" was it allowed NW to consider EVERYTHING that happened during that first year of coverage on my puppy to be considered a "disqualifying condition" to upgrade to their "Whole Pet" plan, which is the true value. The doctor decided to try a newer medication on our puppy, and it didn't work. It was determined allergies were not his problem. However, NW used that one-time medication "experiment" to disqualify him for an upgrade. So, I had to wait 1 more year to upgrade. I had to prove he had gone 1-year without symptoms of something he was never diagnosed with. I'm glad it happened early, so I knew what kind of company I was dealing with. The "Whole Pet" plan was amazing. I'm so sad they got rid of it (at least in CA), but I imagine they were losing money like crazy. 90% reimbursment on everything, including wellness, no annual/ lifetime/ condition limits, & cheap premiums that rise slowly over the years, regardless of claims submitted. I should have worked for them as much as I promoted their company while working at vet hospitals. ~2020, NW stopped offering unlimited reimbursment (became $10k max). Then, no more 90% reimbursemnt (became 80% max), and then they replaced the Wellness add-on that had the same rules as the "Whole Pet" plan, with a worthless plan that limited reimbursement so much, that you actually paid more in additional premiums than your maximum allowable reimbursment for wellness. Finally, they discontinued the Wellness add-on all together. THIS WAS FOR NEW POLICIES. My existing policies remained unchanged. In 2024, NW suddenly raised all premiums by 50-400%! I couldn't risk canceling, my pets would have pre-existing conditions if I went to another company. My mom canceled her plan, and 2-weeks later her dog became ill. $20k later, and she still lost her dog. All out of pocket. I wasn't about to do that to myself. When that horrible year was over, they slapped me in the face with even more insult after being a loyal customer for 7yrs & I had 8 current policies. They CUT ALL MY POLICIES' COVERAGE TO 50% REIMBURSEMENT, and CUT ALL MY ANNUAL MAXIMUMS TO $3K/$5K!!! Many other categories were restricted with even smaller reimbursment maximums (i.e. behavioral, prescription food, wellness, etc). The worst part was... NEW CUSTOMERS WERE GETTING BETTER POLICIES THAN I HAD!!! They said I could not add coverage to my existing policies. My policies were stripped to the bone after 7-years, and I couldn't do a single thing about it. I was so pissed off, I canceled my 4-year old dog's policy. She had only 2 small claims in 4yrs. The only saving grace was NW significantly lowered their premiums. The lower prices matched the lower coverage. So, I kept the older pets' policies because it's cheap and it's at least some coverage. They discontinued the "Whole Pet" plan and replaced it w/ a "Modular" plan w/ minimal annual limits, but up to 90% reimbursment again. Wellness isn't by %, it's set amounts per item & is better than the one before. This year I canceled 2 more of my pet's policies. They didn't have any medical issues, so I figured it was time to get better coverage elsewhere for the same price. I may be back, however. While their practices have been less than ethical at times, they have been completely transparent about all their policies and coverage. If you do your due diligence as a consumer, nothing should surprise you. I failed to read all the fine print initially. They communicate constantly and have expanded customer service hours. Although I prefer email. Don't use checking account to pay cause they code it to draw from savings, and blame the bank. They pay all claims within 48 hours, and I have only had 1 claim denied in 7-years. It was because I didn't realize they don't cover intestinal parasites for puppies because they don't have "Whole Pet." I can trust them, and I like familiarity. Quick payment seals the deal. They won't suddenly disappear. I'm skeptical of all these companies I've never heard of. Although half are owned by the same parent company. They need better coverage options, and they rarely use common sense. I had a stray w/ no eyeball since a kitten, due to URI infection. They permanently excluded "occular trauma". So, if he scratches his existing eye when 10yrs old, it's not covered? Just beware of that crap. Get insurance B4 new pet comes home!
Insurer: Nationwide
By: Renee T
Great purchase
I wasn't sure if pet insurance would be worth it because I've heard mixed things. I've heard it doesn't cover stuff and is difficult to navigate. I've been relieved that is not the case with MetLife. The plan has covered exactly what I thought it would. It's easy to submit claims via an app and the payments are extremely timely. I will be continuing this coverage in future years.
Insurer: MetLife
By: Katie