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.
21,918 total
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Healthy Pet Insurance never paid one…
Healthy Pet Insurance never paid one claim that I submitted, and then they more than doubled my rates. You are far better off self-funding your own insurance. Beware.
Insurer: Healthy Paws
By: Michael Smith
The worst!
The worst!! Price gouging worse than human insurance companies. It’s all a scam. So many better companies out there these days. Edit: since I can’t reply to the canned reply from embrace I’ll do it here. There are SO MANY better options out there for pet insurance. Better coverage, WAY better prices and better reviews! Embrace is owned by a monopoly and they do NOT care about pets. They care about MONEY! Please don’t believe the reviews that sing their praises. Either they are people who just signed up and haven’t had premiums double or triple the first time they renew, or they are totally fake reviews altogether. This insurance SUCKS.
Insurer: Embrace
By: A Ro
Disgusted doesn't even begin to cover it PT2.
Because I can’t reply to your response, @Embrace, I’d like to set the record straight for anyone following this issue. The acquisition of Embrace in late 2023 by private equity firm JAB Holdings, who now owns more than 10 pet insurance brands, should not be ignored. According to JAB’s 2024 Annual Report, their strategy is focused on using acquisitions to drive revenue growth, and they explicitly highlight “above-industry growth” in pet insurance, attributed to “partnership activations,” “premium increases,” and new business writings after consolidation. So while you keep telling me my 200%+ rate jump is due to “normal aging and inflation,” your parent company openly reports that profit growth comes from raising premiums after rolling up multiple pet insurance companies. JAB’s own report states that their North American pet insurance platform, Independence Pet Holdings (which includes Embrace), posted “core brands GWP [gross written premium] up +30.7% vs. last year” and touts “rate optimization initiatives” as a main driver of that growth, not just rising vet costs. Just here on Trustpilot, at least four of the brands that have been bought out by JAB Holding Company have received garbage ratings from consumers, with the most of them centered around astronomical rate hikes, frequent claim denials, and sudden policy cancellations without no notice. Does that sound familiar? It’s disingenuous to blame these rate hikes solely on my dog’s age or veterinary inflation when the real catalyst is a private equity group, now holding a billion-dollar portfolio in pet insurance AND veterinary services, seeking returns through aggressive price hikes after acquiring trusted consumer brands. These financial maneuvers are spelled out in "JAB Holding company’s Annual Report 2024" explaining their investor filings for anyone who cares to look. If you’re going to triple premiums, at least be honest about the reasons: it’s not just about our pets getting older, it’s about your shareholders’ profit targets.
Insurer: Embrace
By: Brian D.
Bark up another tree. Stay away!
This company USED to be a decent company. NOW, it does not respond to emailsm nor calls. No one even answers the phone. We had over $1200.00 in claims and NOT ONE of them are eligible to be paid or for three months they are still "pending". What the negative reviews are stating IS TRUE!! DO NOT sign with this company. I am cancelling today!!! So tired of waiting to hear about "pending" claims though we and the animal hospital have submitted everything that was requested. BYE
Insurer: Embrace
By: P A F
Great Experience
They answer my question rather quickly. No long hold times on calls. Knowledgeable Customer Service Very friendly I think the cost is very reasonable
Insurer: Fetch
By: Annmarie Virzi
Emergency vet visit
We had to take our dog to the vet for a copperhead bite after hours at an emergency vet. Costs was around 1600 total for emergency vet and follow-up vet and we got about 1200 back. That reimbursement just proved yet again why pet insurance is so important to us. Gladly would suggest Pumpkin to any pet owner.
Insurer: Pumpkin
By: Kaitlyn Propati
The live chat with Pearl
The live chat with Pearl, her quick assistance and the coverage, affordability and option to choose vet you want.
Insurer: Fetch
By: Suzana
Pay way more to get a LITTLE more
For the amount we're paying, seems silly to keep insurance with how much isn't covered. Preventative care is the one thing that should always be covered since if we continue to do so, the insurance companies would be paying less long term. Instead only a fraction is covered. And that's only if you're paying for the Gold or higher
Insurer: Spot
By: Dee
Honestly I wasn’t expecting much as far…
Honestly I wasn’t expecting much as far as reimbursements as it’s still an insurance co🤷🏼♀️…but I have been pleasantly surprised and will opt to renew as the time comes… thank you!!——WE LUUUV OUR ANIMALS!!!❤️
Insurer: Spot
By: Di
BUYER BEWARE - Coverage Drop at Age 7!
Just received my renewal after 10 years of covering our dog since he was a puppy. I've paid the expected rate increases each year. I've held a $250 deductible with 90% reimbursement coverage the entire time. This year my coverage is being unilaterally changed from a $250 deductible to $500 and the company is reducing reimbursement to 70% and of course they are raising my overall premium despite a significant reduction in coverage. After talking to customer service - it sounds like the company the company has made a broad decision that all 7+ year old dogs will no longer be eligible for the coverage limits. While young dogs can still sign up for increased coverage, there is a steep drop as your dog ages. My original thinking was that you select your Pet Insurance while a puppy and keep it consistent. You don't want to have to switch when they get older in case of "preexisting conditions" which create challenges for new coverage. This change backs you into corner. BUYERS PLEASE PROCEED WITH EYES WIDE OPEN. To Healthy Paws -- you used to be such a great and promising company in this space. This is so disappointing. To the leaders, based on my reading reviews, I'm not the first to have this experience. Your lack of honoring those who have invested in your past success - should have consequences.
Insurer: Healthy Paws
By: William Paco