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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Extremely easy and efficient process
Extremely easy and efficient process. Low cost insurance that I'm sure will easily pay for itself in the long run.
Insurer: MetLife
By: Beth Shaffer
Pricing
I am so sick of my insurance, going up!!! It's Crazy and I have paid for Lola for almost 11 years, now! I now have Romeo on there too and people think that I have to be crazy to pay what I am!
Insurer: Trupanion
By: Candie
Easy enrollment process
Great enrollment process … easy to understand and quick
Insurer: MetLife
By: Joanne
5 Years of Rising Costs and Broken Trust
After five years with Fetch Pet Insurance, I can honestly say I would not recommend them to anyone. What started as a fair, reassuring policy for our dog, turned into an overpriced, frustrating experience filled with premium hikes, reduced coverage, and denied claims. When I enrolled in late 2020, my policy offered 90% reimbursement with a $250 deductible for $211.17 per quarter. By 2025, that same plan ballooned to $602.71 per quarter / $2411 Annual — a 185% increase — despite me barely using the insurance. Over the five years, I paid $7,676.83 in premiums and received only about $1,000 in reimbursements. That’s a net loss of roughly $6,600, even after lowering my coverage to 70% reimbursement with a $500 deductible in an effort to keep premiums affordable. Within two quarters of reducing coverage, Fetch raised the rate back up anyway. The company also disputed a simple allergy claim, labeling it “pre-existing,” despite no record of prior symptoms. They later reduced the claim submission window from six months to just 90 days — a quiet policy change that makes it easy to disqualify claims. When I called about the steep price jumps, a representative told me, “Other dogs in your area had more claims, so everyone’s rates went up.” Routine care, vaccines, and tick medication aren’t covered, so you’re paying thousands for coverage that’s increasingly limited. The structure feels designed to collect premiums while discouraging actual use. If I had put the same $2,000 per year into a savings account or TFSA, I’d have nearly $12,000 set aside for vet bills instead of watching premiums rise every few months. Fetch’s model seems built to price out long-term customers — especially as pets age and are more likely to need care. It’s hard not to see this as predatory. Save yourself the stress and disappointment. Build your own vet fund instead. Fetch is not worth it. Oh and if you want to cancel, you have to wait until the last day of your policy or they cut you short. Hoping you will miss the 48 hour window by mistake so they can gauge you again! --------------------UPDATE-------------------- Thank you to Fetch for replying to my review. I appreciate that you took the time to respond, but unfortunately your explanation reinforces the core issue: customers like me are being priced out of coverage despite minimal usage, not because of our pets’ age or claims, but because of a business model that shifts collective costs onto loyal policyholders. To clarify: My dog Freddy is healthy, and in five years I submitted small claims (about $1,000 total) — which Fetch disputed as “pre-existing.” And all it does is go against your deductible. It's very hard to ever see any money. Despite this near-zero claim history, my quarterly premiums rose from $211.17 in 2020 to $602.71 in 2025, a 185% increase. I reduced my coverage from 90% with a $250 deductible to 70% with a $500 deductible just to stay insured — and within two quarters, rates shot back up anyway. I understand costs of veterinary care have increased. But a 185% premium hike for a healthy dog with virtually no claims is not a reflection of inflation or age — it’s an unsustainable business practice. Fetch’s own explanation that “other dogs in your area had more claims” makes this feel more like a community subsidy than individual insurance, where responsible pet owners end up footing the bill for others. Regarding the allergy claim, I would welcome a reassessment. However, that denial — combined with policy changes such as shortening the claim submission window from 6 months to 90 days — reflects a consistent pattern of tightening rules that disadvantage long-term customers. Over five years, I paid $7,676.83 in premiums and received $1,000 in reimbursement — a net loss of $6,676.83. I could have invested that same amount in a dedicated savings account or TFSA and been far better off. Fetch’s communication is polite, but the financial reality remains: the model doesn’t hold up for responsible owners who rarely claim. I stand by my warning to others — build your own vet fund instead.
Insurer: Fetch Canada
By: Kyle
I have been with Trupanion since 2010
I have been with Trupanion since 2010! Rusty is my 3rd pet I’m insured with. My baby has heart disease and Trupanion is always by my side. I recommend it to every pet owner. I don’t particularly like the increases in my monthly payments cuz I’m not working but they always do the right thing for me and my fur baby! With insurance I can always do the right thing for my pet, my baby. I never question taking him to veterinarian because I’m confident Trupanion will be with me! I Highly recommend Trupanion pet insurance company for all pets!
Insurer: Trupanion
By: Anet
“Disappointed by Drastic Premium Increase Despite Great Service”I’ve really appreciated having pet…
I’ve really appreciated having pet insurance through MetLife — filing claims has always been easy, and their app is wonderful! But I’m absolutely shocked and upset by how much my premium just increased. It didn’t just double or triple — it went up by five times! That’s outrageous and completely unfair. Its like a scam. They cover you until your pet gets sick, then they raise your premium so high you can't afford it. Now I’m stuck: either I pay this massive amount or lose coverage altogether. My dog was recently diagnosed with a disease, which now counts as a pre-existing condition — meaning no other insurance will cover it. This just feels wrong.
Insurer: MetLife
By: Rose Butts
Oh Pepper!
Our black lab gave us a huge scare. I had to navigate her care late on a Friday evening almost 3 weeks ago. With nervousness on her well being and knowing the huge monetary commitment, I was so relieved that I had opened up accounts for both of my dogs 4 years ago. Thank you for your support.
Insurer: Trupanion
By: Jennifer
Horrible rate changes without reason
We’ve had our 1 year old cat on a Trupanion plan for about 6 months now. His deductible is $350 with 90% coverage. We recently went to add on the exact same plan for our new cat and the monthly price was higher by almost $30. In order to get it to the same monthly price as my first cat I would’ve had to raise the deductible by like $400. The cats are both male and both domestic shorthair within the same age range. I just don’t see a reason for that large of a price jump and deductible change. I contacted support about it and all they could let me know was that “their rates change everyday.” Call me broke, but I think that’s crazy.
Insurer: Trupanion
By: Taylor
Ease of use
Ease of use. Pricing and the products offered.
Insurer: MetLife
By: Edege Vales
Unfortunately I trusted Costco when I…
Unfortunately I trusted Costco when I signed up for this health insurance for my dog. Each time I send a claim, it comes back denied. When I call them they never know why is denied. They want notes from the Vet which is on the invoice and discharge paperwork. They still insist that they need more paperwork. They also charged us more for deductible because I went on my own to look for the a policy from them online and it was half deductible than the one they offered when I got it through Costco. Very awful customer service, everything is denied. They barely answer emails. I cannot believe this company hasn't gone out of business yet.
Insurer: Figo
By: Mercedes Schlaffer