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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I Can Choose Care Over Cost
When your pet is sick or injured, it is stressful enough. You worry about them, getting vet appointment, getting to the vet, what and how extensive the medication or treatment will be...and what will it all cost... I like knowing that what I pay per month for ASPCA Pet Insurance is going to be somewhat the same. Any vet visits are not going to be catastrophically costly or out of budget. I can choose the correct path of care over the cost of treatment that fits my bank account. Covering the costs of getting my pal back into his groove is a big burden off my shoulders when all I really want to do is get him fixed up.
136% increase in premiums
ManyPets is currently gouging its customers pretty terribly. In their latest renewal notice, they informed me that the insurance for my 5-year-old-boxer is increasing 136% in one year. Going from about $70 per month to over $160. This is particularly harmful because if I want to leave their company, some of my dog's health concerns will now be considered pre-existing conditions. This is a huge breach of trust that will have lasting impacts for my pet.
Insurer: ManyPets
By: David
Best pet insurance
My pup is (luckily) super healthy but her joints keep having issues...and that's not cheap! Healthy Paws has processed her vet bills super quickly and easily without any hassle or questions. I happily pay the monthly insurance bill for Healthy Paws because of how much I appreciate their customer service and support!!
Insurer: Healthy Paws
By: meg
Great Value for the Premium Paid
Great experience and value of coverage for the premium paid. Walter has been with them for two years now while Betty was added six months ago. They need our love and coverage.
Insurer: Healthy Paws
By: Jesse
Ronnie's knee operation
If you are a Pets Plus Us customer, as I am, I am sure that in your renewal notice this year you will have found that your premiums will be going up by about 40% next year. I wrote to Pets Plus Us before Ronnie (my lovely Labradoodle) injured her knee and asked Pets Plus Us how they could justify such a hike, especially given that we had already sustained premium increases of between 5% and 10% per year, over the last few years. Pets Plus Us response was that the cost of services provided by vets and the costs of treatments now prescribed has increased. I found this an irrelevant explanation because the costs and business models of vets are decoupled from the costs of Pets Plus Us. The maximum amount of cover per claim has not changed at all over the course of Ronnie's 12 year life; no matter what the value of the vet's bill, the maximum amount that Pets Plus Us pay out per claim is the same. The overall effect is that the proportion of pet medical costs that the pet owners are burdened with is increased, and because the claim rates have not moved, the profitability of Pets Plus Us must have increased, relative to their position 12 years ago. As consumers generally: we pay more, and we get less. Seems to be the way of the world these days. I called around a few public authorities to ask to whom I should address my complaints. Sadly it seems that the notion that consumers should be protected from price gouging behaviour of corporations is weak in Canada at present. One organisation suggested that I should 'shop around' to get a better pet insurance deal. I wondered how that person would get on trying to insure an 11 year old dog with any pet 'insurer'. We took out pet insurance for Ronnie shortly after she joined our family thinking that by starting paying monthly insurance premiums early when Ronnie was young and really fit, we would be protecting ourselves from the risk of big pet medical bills when she was older. We thought, that because it was called 'insurance' what we were buying would work like other forms of insurance - like protecting yourself against the flooding of one's home. Deductibles that increase with pet age aside (which are actually pretty reasonable in my view), it seems that Pets Plus Us are moving away from this conventional idea of insurance, and more towards that of a medical payment plan (for pets) where one can 'spread the load' of paying for vet services (subject to their max claim value, the age related deductible, and the co-insurance clause etc.). Does anyone else think the same as I do on this issue? My rant over, I will report that my interactions with Pets Plus Us in dealing with Ronnie's condition have been really good. I thought that I might have suffered delay in some of the processes, especially as I had contacted them to complain so close to the time that Ronnie needed her operation. But pre-approval for the costs of her operation was obtained quickly and the claim reimbursements has been forthcoming promptly too. Their claims system is good too. These interactions were mostly done through the website and by email - which was convenient and pretty slick. When greeted in one of their emails with a "woof", this makes me smile. Perhaps the elevated premiums have been used to improve the service? Back when the same plan was owned by PC Financial, I did have to make a claim, and I remember the service to be good then too. The animal hospital in Walden was fabulous. I had to contact them a few days after the op with news of a bit of a scare. They were very professional, and their support was definitely swift and reassuring. The same has been true for Ronnie's vet at Lockerby Animal Hospital. They have offered wonderful support; it is great to know they have Ronnie's back too (or rather her knee in this case!). Whole thing cost around $5,500 and I got around $2,500 back in the claim for one knee. I am grateful for the reimbursement, and the fact I had a plan in place. It is terrible to think that the only way one can demonstrate 'value for money' in the insurance premiums is if something bad happens to your pet. Next year Pets Plus Us will charge us around $75 per month - you can do the math on the payback yourselves, and I suppose, from Pets Plus Us point of view, this is why we effectively pay in advance too. A friend of mine who used to own a Labrador Retriver told me that 6 or 7 years ago, he got both knees of his dog done for the same money: $5,500 - so the vets' prices have gone up - but we all knew that anyway.
Insurer: Pets Plus Us
By: Dean
Lemonade Pet Insurance Review - PINGU
Animal Clinic of Benson at Kent, WA is awesome. Great care and fair market pricing for treatment. Lemonade is efficient and effective handling customer claims. I highly recommend to other pet overs.
Healthy Paws 5 Stars
Our golden had a GDV (stomach flipped) emergency, and would not have survived without extensive surgery to save his life. Healthy Paws Pet Insurance came through for us, reviewed and paid the claim in a timely manner. We are completely satisfied, the coverage was there when we needed it!
make sure you know what you are buying
When i signed up for pet Insurance i was led to believe that the premium i was paying included wellness. I took my dog to the vet to check on some discharge in her eyes and i was given some drops and the eyes cleared up. I then made a claim to Pets Best and nothing on the claim was covered not a single penny. I guess you have to have your dog hit by a car to be able to make a claim that is processed. Lousy customer service. When i called the person was unapologetic like i was an idiot to assume that any of my dog's bill would ever be taken care of. I canceled right away and now have pet insurance with Spot and wellness is included for almost the same price i had been paying Pets Best for a couple of years. Make sure you ask and get it in writing before you sign up.
Insurer: Pets Best
By: David
Best Insurance Provider!!!
We got insurance for our dog because she is getting older and we wanted to make sure we were never faced with the option of either helping her or euthanizing her. I am extremely glad I did! 6 months later and she was diagnosed with Addisons disease. The claim process is SO easy and we had our money back basically within 48 hours. They are quick to respond and their customer service is top notch. Moving forward, if we ever get another fur baby again, I will insure them from the beginning. It is very affordable and you can customize your plan to meet your needs.
Very easy to use, shady math with coverage
The app and submitting claims are very easy, the company pays very quickly on claims as well, which is great. My only complaint which is more a frustration is the way this company does their math as it relates to coinsurance and deductible is different than any other type of insurance I’ve ever had and clearly favors Lemonade, not the consumer. Then again, insurance companies number one goal is to make money, not to pay it out, so no surprise.
Insurer: Lemonade
By: Rudy