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.
23,383 total
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Quiet Policy change, denied claims
I’ve been a Healthy Paws customer since January 2022. For three consecutive years (2022–2024), I submitted my claims annually and every single one was approved. This was my established, accepted practice, and it aligned with the policy language at the time I enrolled (claims allowed within the policy period). In 2025, multiple claims were suddenly denied because they were not submitted within 90 days of treatment. This was the first time I ever heard of a 90-day rule. When I contacted customer support, I was told the policy had “always” been that way — which directly contradicts both my prior approved claims and reports from other Healthy Paws customers who still have their original contracts stating claims could be filed within the policy year. Most concerning: I was never clearly notified of this change. No email No prominent notice Only a buried message in the online portal, which I was never alerted to At the same time, my premium nearly doubled, my deductible increased from $250 to $500, and my reimbursement dropped from 80% to 70%. So I’m paying significantly more for significantly less coverage — plus stricter claim rules that were not properly disclosed. This feels like a classic bait-and-switch. If you’re considering Healthy Paws, be extremely careful: policies can change quietly, past claim approvals do not protect you, and long-time customers can still be blindsided. I’m sharing this so others can make an informed decision — I wish I had known.
Insurer: Healthy Paws
By: Qi Shayue
It was easy
It was easy , gave me three options, able to pick what was best for me and my dog
Insurer: Nationwide
By: Ron Malone
Coverage is affordable and the claims…
Coverage is affordable and the claims process is quick and easy
Insurer: Spot
By: Tiffany
They’ve always been a great company to…
They’ve always been a great company to work with and great customer service. I don’t love how expensive my monthly fee is but it’s what they’ve got.
Insurer: Trupanion
By: customer
Thank you
I signed both my dogs up at 10 weeks and I never wanted a dollar to come between me and my dog. It was my security blanket. My friend always made fun of me saying I had insurance but when I got a bill for $6775 for when my dog tore her ACL and I paid $858. I looked back and I made a great decision a long time ago. The funny thing is all my friends are asking me for referrals cause they have animals now too. I just want to say thank you Trupanion for being so user-friendly and quick responses with quotes so I can make the best decisions I can for my pets.
Insurer: Trupanion
By: B P
45% premium increase the first year
I enrolled/purchased Pet Insurance for my dog Emma, about a year ago because of the wonderful reviews I read. It is easy to reach customer service by phone or email. Response time, friendliness, and professionalism is top-notch. Their online claims process is a little wonky but once your claims are accepted they and any payments due are expedited which is appreciated. They did deny a claim saying it was related to a pre-existing condition of allergies; however, it had NOTHING to do with her food allergy - it was something new. But I knew my chances of an appeal would be fruitless. Very frustrating. So for most of my first year with Metlife, I would have given 3-4 stars. HOWEVER........the reason I am VERY disappointed is their cleverness in exploiting an animal parent whose dog developed an illness while covered by them. I had to use the insurance purchased. At the time of the “renewal” sent to me, I used $1,531.44 out of the $5,000 annual limit. So basically, I used 30% of the benefit available to me. YET – THEY ARE RAISING MY PREMIUM by 45% I understand prices for many things have gone up. And I am an older person who knows the insurance game of “you use your insurance and your premium will go up”. I expected an increase but a reasonable one. An increase of 45% is pure exploitation. I say this because my dog developed an illness (hypothyroidism) that will always be a pre-existing condition making it hard for me to switch to another plan. They raised me that much knowing I can't get insurance for my dog elsewhere. Clever. Very clever.
Insurer: MetLife
By: Kim Nickerson
Absolutely the worst insurance
Absolutely the worst insurance. They were originally Pet Plan and privately owned. They sold it to a corporation. Then the underwriting department changed several times. I have been with them since 2002. I put my last dog on with them in 2013. They were ok. After that I switched to Trupanion. My dog had unlimited coverage and $250.00 deductible and under that plan needed a double hip replacement 2 years apart. They dropped my coverage to 70% payout with a $15,000.limit. My dog is now 12 years old. Just got my renewal for this year $2,200. It jumped up to $4,300. You read that right. They take forever to pay claims. Trupanion pays them in days. They will get you with a low rate going in. But then they have you because you can't switch because of pre-existing conditions. Do yourself a favor. Look elsewhere. Like I said do some research on the company before it was Fetch. The original name was Pet Plan. Good luck
Insurer: Fetch
By: Donovan Miller
EASY TO SIGN UP AND VERY FAIR PRICES
EASY TO SIGN UP AND VERY FAIR PRICES
Insurer: MetLife
By: VICKY JONES
This company is a scam.
This company is a money grabbing scheme. The coverage is useless, literally any other company will do a better job. They will do whatever they can to squeeze money out of you. And they do not honou their 30 day refund policy. Even if you were not reimbursed for a claim.
Insurer: Fetch Canada
By: Theo Harvey