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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Reimbursement is ridiculously easy and…
Reimbursement is ridiculously easy and quick! Coverage is great
Insurer: Trupanion
By: Joanne Hutchinson
Beware - "Pre-Exisiting Condition" is their song
Word to the wise for rescue adopters - do NOT share prior medical records with Trupanion - they will only use them to screw you and deny coverage. I have had Trupanion for 7 years since I rescued my dog at 6 months and have CONSISTENTLY been denied coverage due to "pre-exisiting conditions" supposedly stated in his health records prior to adoption. They denied an ear infection (the first in 4 years!) because apparently he had an ear infection as a puppy. How can a current ear infection be "pre-existing"? Now they are denying a tooth extraction because his records show poor dental of his pre-adoption baby teeth. If everything is "pre-existing" might as well shop for a cheaper alternative (which I will now do). Very disillusioned and totally fed up. Their rates only increase each year and their coverage for my poor rescue boy is completely nonexistent.
Insurer: Trupanion
By: Diana
Major price increases indefinitely
I’ve been a Healthy Paws customer since 2018, and my experience has gone from acceptable to completely unacceptable. When I signed up, I paid $51.61/month for 80% coverage with a $250 deductible. Over the years, Healthy Paws raised my premium annually even though I rarely filed claims (maybe two in my 8 years and one was denied). I stayed loyal anyway. In 2023 the price hiked up to $72 so I lowered my coverage to 70% reimbursement and a $500 deductible to bring it back down to $54.57. Last year the cost of this coverage was increased to $82.47 then $84.94 in July after they added a 2.99% utilization fee. Despite all this, I’ve stayed loyal up until this year when the cost was raised to $140.16/month which is nearly triple what I originally paid for significantly less protection. This isn’t inflation, it’s exploitation of longtime customers who are emotionally invested in their pets and hesitant to switch. If you’re considering Healthy Paws, don't! Be aware loyalty is not rewarded, and long-term customers are priced out.
Insurer: Healthy Paws
By: Aqil Bassa
Annual fee increase is astronomical and…
Annual fee increase is astronomical and inappropriate. I've also had issues in the past where AI is clearly reviewing cases and the result is nonsensical and I've had to spend time and effort appealing to get the correct result.
Insurer: Trupanion
By: Danielle
Excellent Pet Insurance
I am very pleased with the amount of coverage I get at a very reasonable price. Being able to bundle three dogs together and have them all contribute to the same deductible is great. Generally I am reimbursed in a timely manner. It was a little slow over the Christmas/New Year's holidays. I have recommended MetLife to several people who were interested in pet insurance or were unhappy with what they had. Just read the fine print about pre-existing conditions. It's very clear.
Insurer: MetLife
By: Marj D
Simple and easy to choose plans
Simple and easy to choose plans
Insurer: Nationwide
By: Joy Luongo
Very cheap and very good coverage
Very cheap and very good coverage
Insurer: Spot
By: Kyle Woodward
The wellness package is perfect for…
The wellness package is perfect for yearly checkups and Pumpkin pays 99.9%
Insurer: Pumpkin
By: Jeannine
Team is extremely helpful
Team is extremely helpful, and they actually cover what they say! Very satisfied
Insurer: Spot
By: Riley Everett
Terrible service and deceptive practice
Terrible service and practice overall. I actually used to have another pet insurance provider who I will definitely go back to after my countless horrific experience with PetsBest. First, this company is borderline scam. They don't cover anything and the coverage vs cost is outrageous. Don't fall for it, because if you think you'll be covered for the most obvious things, you won't. And, it takes weeks for them to process it only to tell you it's not covered. I had a kitten who had digestive issues, starting with parasites in his stool. Since the kitten had diarrhea, I immediately took him to the vet who ran a bunch of tests to confirm that he had a parasite. Note that this was before the 14 day wait period was over, so I knew that this would not be covered by insurance. Post that parasite issue being resolved, the kitten still had periodic digestive issues, which were determine to be unrelated to the parasite. PetsBest basically flags every issue with digestive things for this cat to be "pre-existing" and will not cover a single dollar, even if the problem had nothing to do with the parasite. I recently purchased a second kitten and created a second coverage plan for him. Unfortunately, I failed to select the option to add the wellness plan, and so I tried calling to add that to the plan within 30 days of creating the plan. I was on hold for over 45 minutes one 3 different occasions before I was finally able to get a hold of someone. That rep told me that they would add the wellness plan and that the claim I had filed before this call would be fine, and that they would retroactively apply the wellness coverage to it. Weeks go by and they denied my claim, saying that I do not have the wellness plan. After calling and being on hold for 20 minutes, I finally get a different rep who tells me that "normally, we would allow for the wellness plan to be added if it's within 30 days of creating the plan. However, since you filed a claim, we can't do that and you need to wait until Dec 2026 (11 months from now) to add it." This was completely different from the previous rep who essentially lied to me or had no clue what they were saying. Not only that, no one ever told me that this was not added to my plan, and their app is so horrible that it's impossible to figure out. Needless to say, after spending thousand of dollars and getting absolutely nothing but frustration from this fraudulent service, I will be taking all four of my plans elsewhere. I hope I can influence others to not be a part of this scam service.
Insurer: Pets Best
By: A W