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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Premium Rates are criminal for senior animals
I've been with Healthy Paws for 10 years, insuring my 2 dogs since they were puppies. Generally had a good experience, the claims process is pretty easy. However, now that they switched underwriters (2024/25) the rates have skyrocketed, and if you have a senior dog (10+) they will force you to increase your deductible, while your monthly premium will more than double. They don't want to insure senior pets, who need it the most, so they force you out financially. My healthy 10 year old dogs rate went from $90/month to $190/month and deductible from $750 to $1000, (which is really hard to reach). Check out the reddit thread about them and I promise you will want to look elsewhere. I suggest you do your research and find another pet insurer who actually cares about your pets for their ENTIRE lifetime.
Insurer: Healthy Paws
By: Laura Neumann
Great insurance for pets
Great insurance for pets! Excellent coverage and fair reimbursements.
Insurer: Pumpkin
By: Ashley
Cancelled Policy due to cost
I have been an Embrace customer for roughly 8 years. I counted myself a very satisfied client up until recently. About 4ish months ago added in my puppy, Milo. I had filed a claim for Milo because said dorky puppy ate a mushroom and got pretty sick. Long story short, emails were exchanged, the point of the emails were unclear until I called in and a very patient individual spoke to me in non-insurance speak and explained the issue. However, in my frustration prior to the call I went shopping for new insurance. After checking with a very large online dog community of dedicated sport dog enthusiasts I opted to investigate a couple of alternate insurance companies. Much to my surprise, I discovered I could get insurance with a higher reimbursement rate, no annual limit, a slightly higher deductible, and added in some routine care (spay, vaccination, etc) for less. Much less. I can cover all 3 dogs, ages 7, 2, and under 1 year, for about $40 less a month. In these rough economic times, customer loyalty is out the window. I'll take the extra $480/year in my pocket.
Insurer: Embrace
By: Sharon Gretch
Insane renewal rates- 25% increase
The coverage looks good but after having this for only a year, we received a renewal for over 25% increase per month. My dog is very healthy and six years old. Never had to file a claim, but moving to just using a savings account versus shelling out $1289 a year in premiums and still handle a $1k deductible.
Insurer: Pumpkin
By: Justin Young
Don’t bother
Don’t bother. They didn’t cover anything at all. Appealed it and only got a letter saying it wasn’t covered - including the general exam. Save your money for the vet bill instead of paying this no good insurance.
Insurer: ASPCA
By: Jen Whitney
Had to contact multiple times
When my pup contracted a respiratory infection, Figo dragged their feet and told me conflicting information. I kept getting emails that I did not have the required documentation yet when I would chat online with a representative I was told I did. The amount of documentation required was insane as well. I uploaded approximately eight different medical documents just for one single visit. I had to keep calling my Vet and asking for more documentation. at this point, my claim has not even been processed, and Figo gives a 10 day window to provide supporting documentation before closing the claim. I have one day left. I think they are trying to stall me until the window closes. do not recommend the monthly price they offered was too good to be true.
Smooth and Reliable Pet Insurance Experience
Filing a claim was quick and hassle-free, and the reimbursement was processed exactly as promised in the policy. It gave me peace of mind knowing I could count on the coverage when I needed it most.
Pets Best…Best Pet Insurance company
Have insured our dogs with Pets Best for over five years. The entire experience has been exactly as hoped. Starting with choices on policy preferences and pricing. Onto claims submission and payment. In every case Pets Best is five stars. We are so glad to have made the decision to insure with Pets Best.
Insurer: Pets Best
By: Edward Majewski
The worst
The worst . Very disappointed. They take the premium by never pay out .
Insurer: Embrace
By: Donna G
I would give this a 5 but I just signed…
I would give this a 5 but I just signed up and have no idea how they will perform when I need them. Beyond that, they offer a vast array of coverage including unlimited which I need for my Savannah cat. Better safe than sorry paying a huge vet bill.
Insurer: Embrace
By: Erik Radcliffe