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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Enormous price increases
Although I think Trupanion has provided us with good care, the exorbitant price increases make it so I can not leave a positive review. Within the contract that we signed there is a provision for "minor price increases". Our original monthly payment was $89/month. Within the last year and a half our prices have increased to $132/month. This is an increase of almost 50% and FAR beyond a minor increase. The reason stated was that "the cost of veterinary care has increased in our area". My sister is a veterinarian and I know that this is not the case (or certainly not enough to justify a 50% increase over a year and a half period). We will be switching providers at these prices. Protect yourself from ridiculous price increases and go elsewhere.
Insurer: Trupanion Canada
By: Sherry
One claim, premiums increased
We submitted one claim through healthy pet insurance earlier this year. Once the claim was resolved, which they did pay, they increased our rates by about 40%. Now, three months later I get our renewal with another substantial increase. From prior to the claim to now, the premium has almost doubled. I disputed this with customer service and was ghosted. There are lots of other better pet health insurance policies out there.
Insurer: Healthy Paws
By: Lisa
Latest 1 comments
Regarding the premium increase you mentioned our customer care team explained via emails that your pet was enrolled as a certain breed. Though we rely on the information provided by anyone enrolling a pet, we understand mistakes may be made. During a routine audit of your pet's medical records, a breed correction was made. To ensure accuracy and compliance with insurance regulations, we needed to update the premium. Charging premiums based on accurate pet details allows us to provide our features and benefits with no annual or lifetime caps. The second increase was an annual premium adjustment that takes place on your policy anniversary date. Your premiums are calculated on a state-by-state basis in accordance with filings that have been approved by state insurance regulators. In each state, premiums are affected by multiple factors including age, breed, sex, zip code, and the particular combination of reimbursement and deductible on a plan.
It won't pay your claims!
I bought insurance from Fetch a few years ago. At the time my monthly premium was about $30. It was all good till my cat got sick and I submitted claims. They increased my premium to $58 per month for the same coverage. But this was just the beginning! At my renewal date, they doubled my deductible amount and reduced my reimbursement rate for 20%! When I called the customer service, they said that is the only option they can offer! And since my cat is now sick and other insurance companies don't accept him, I'm stuck with Fetch. It's a terrible feeling when your fur baby gets sick and you have to not only deal with the stress of that but also all of the sudden your insurance company (Fetch) refuses to actually pay what you registered for and paid the premium for it for years!
Insurer: Fetch
By: Lily
Ripoff
I seen the ads all over GOOGLE for a pet insurance that paid up front. I would have never bought this insurance had I knew they were going to do this. My dog is old and I told them that and they charged me over $270.18 and never told me of a waiting period either. Said they would pay my vet directly. My vet was listed on their page and that made me do it. My dog had a bump on her chest and I took her to the vet. Costing me over $700 for the visit. I had to pay up front and submit the claim. I was a little upset. So I went back on line and called all the vets that Trupanion said they took their insurance. It was like ALL the other insurance companies except a lot more expensive but my dog deserved it. I called them and told them that. They said just submit the claim. Online they said that 70% of claims are paid within 24 hours. When 3 days past I started to get suspicious. I took my dog in for a followup and the bump imploded and had to have immediate surgery. That's another $450. Then today 2 days after her surgery Trupanion DENIED my claim. They lied and scammed my for the huge money and I could have went with several other companies, a lot cheaper who would have paid the claim after reimbursement. All their emails and all their ads were dishonest and I want my money back. All of it because of this. This company not only said it would work with me on my claim but denied it a second time even when my vet said it was not pre-existing so there's nothing Trupanion can say they are crooked. If you don't believe me, GOOGLE THEM and LOOK them up on BBB. Thousands of complaints with their pathetic sorry for the problem, but we are still keeping your money and you get nothing. NEVER USE THEM
Insurer: Trupanion
By: Frederick
Love Healthy Paws!
I've had Healthy Paws for my cat Figgy since 2017. Before I adopted her, I researched various options and felt healthy paws was the easiest for me to understand and communicated with online. They've helped with unexpected pet bills and in the five years with them my monthly rate has only increased by $10. Healthy Paws is amazing!
I will probably gift Pet's Best Insurance for Christmas to my newest grand-dog's family
Without Pet's Best Insurance we would not have been able to afford treatment for our 11 year old mobility service dog--despite the years of dedicated service he has given us. We may have had to make an end of life decision last January when he was diagnosed with a brain tumor and was having seizures. Having insurance allowed for options to evaluate the situation and decide on treatment. Treatment has not been cheap (over $20k to date), but worth it when I see him enjoying life and initiating play with his newest cousin (a 1 year old very healthy lab). Filing claims is very easy and now it takes very little time before I am reimbursed. We went years without ever using the insurance, but it gave me peace of mind knowing that we could handle health issues if they arose.
How great MetLife pet insurance is.
I researched a bunch of different pet insurances before deciding on MetLife. MetLife offered the best rate for the type of coverage I wanted for Finian, my 2 year old Irish Wolfhound. Any specific questions I had were answered in a phone call by knowledgeable,friendly, and caring people. It is extremely easy to submit a claim….just snap a picture of the invoice and your done. The claims are processed and reimbursement occurs in less than 30 days and (here’s the part I love) deposited directly into my checking account! My only complaint is they do not offer horse insurance.
Insurer: MetLife
By: Theresa
Never have a problem
Pets Best has been great for our Zoey. It is not cheap but I have never had a dispute with them or had any kind of problem at all. They live up to the policy contract and I can always get ahold of someone if needed. Claims take minutes to submit. I have checked out other companies and Pets Best is the absolutely best choice form my dog.
Reimbursements take about a month
The coverage is good and filing a claim was fine. The upload tool is a little broken but you can work around it. My biggest complaint is that the reimbursement timeline is unreasonable, especially when the bills are high and you're running up your credit card waiting for the money to come through. A month is just too long. I moved from Spot and they processed claims super quickly—miss them and lesson learned for next pet.
Insurer: Pets Best
By: Jarica
coverage
Met life pays %90 and is very thorough. Reviews are rather slow, but they document the payments. and are fair. Vet bills are so very high so it's nice to have met Life on your side!