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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Worst insurance, horrible customer service
I paid $85 a month for this insurance. After spending over $10,000 in medical care, they have paid a total of $50. Even after my dog died, they tried to keep billing me. They take months to process claims. My dog died a month ago and I am still waiting for her final emergency visit to be processed. If you are adopting a rescue animal that isn’t in perfect health, they will exclude everything. Waste of money and horrendous treatment. Never using this insurance ever again.
Insurer: Pets Best
By: Rachel
Trupanion is a lifesaver, I recommend it to everyone!!
I signed up with Trupanion while my cat was still decently young and healthy, and I am so glad I did! As he's gotten older, he's started to have problems with his kidneys, requiring more and more medication, and now, regular subcutaneous fluids. Trupanion has been covering a huge chunk of the costs for what he needs, making it so much more affordable to take care of him. His base expenses are currently ~293.01/month CAD, but without Trupanion, that would be ~488.03/month. Trupanion has also covered huge portions of emergency vet visit costs, most recently, $413.44 towards a $679.38 visit. Without Trupanion, caring for my cat would have been prohibitively expensive. I appreciate that they essentially allow me to buy more time with my sweet little old man. I am recommending them to everyone I know, I seriously can't recommend them strongly enough. Every veterinary clinic I've been to holds them in the highest regard as well. If you're a person with a pet, sign up with them immediately!!
Insurer: Trupanion
By: Katherine
Love Healthy Paws
Healthy Paws provides exceptional pet insurance. The Healthy Paws coverage is an extremely good value. The best part about Healthy Paws is that they actually cover your pet's medical expenses and don't try to figure out ways to not pay (which was the case with a previous pet insurance company we used). You get true piece of mind with Healthy Paws at a very fair price. Plus the Customer Service representatives are all friendly and knowledgeable.
Insurer: Healthy Paws
By: Peter
Heartbreaking rigidity and poor customer service...
For years, I've been paying nearly $200/month for my older dog. I've never filed a claim once. In July, she suddenly needed serious dental work (a lot to process financially and emotionally). I'm 9 months pregnant, working full-time, and have been juggling a lot. Yesterday, I sat down to formally file the claim. That's when I learned the window closed 2 weeks ago. I had no idea there even was a claim window---apparently this is only after a policy renews. The rep told me my renewal was 6 days after the procedure (seriously, just 6 days!). For that reason, the window kicked in and they won't even consider the claim. Had the emergency happened a week later, there'd be no issues, which is a reality I'm struggling to wrap my head around. I can't begin to describe how disappointed I am with Embrace, or how stupid I feel for giving them so much money over the past few years... The policy doesn't cover preventive care (I have to pay *another* plan for that), only emergencies; so, now that I'm finally facing one, I can't believe Embrace won't consider reviewing it given how close it was to the renewal... This is an unfathomably profitable company. I'm not sure how a business taking in *so much money* from its customers won't even offer an appeals process. There's nothing patient- or client-centered about Embrace. If you're in the unfortunate position of working with them, please do yourself a favor and (1) read through every fine line of your policy, (2) set calendar reminders for policy renewals, and (3) file all claims immediately. Embrace's policies and procedures are designed to make reimbursement as challenging as possible.
Insurer: Embrace
By: Brynne
Absolutely Amazing Company
Trupanion? I'm speechless. They are amazing. We have two dogs and and our insurance we have for them is worth every penny. I would NEVER use any other pet insurance company. Trupanion, you're amazing.
Insurer: Trupanion Canada
By: Peter
Unbelievably Quick No-Hassle Service
I got my dog Healthy Paws Pet insurance since he was a wee pup. Didn’t think I’d be really using it since it doesn’t cover preventive visits and vet fees. But through the years, when my dog has had health problems, Healthy Paws has consistently made things a lot more bearable (financially). It’s very straightforward - as soon as you hit your $250 deductible, all expenses, save for vet fees, get reimbursed at 80%. Just like recently, I uploaded my invoice on site same day we visited vet (no forms to fill out), got email status updates, by evening it’s approved, and next morning it’s already a pending deposit in my bank. Honestly, I’ve hardly had to talk to their CS because it’s so simple, save for first time I used them, where I had to verify what would be covered before I agreed with procedure. So what I compute will be covered is exactly what gets approved. Also, I forgot about filing my claims last year, and they let me file it this year and got reimbursed. And a $250 deductible isnt really a lot because just 1 sick visit could easily be that, if not more. So highly recommend Healthy Paws. Even my husband is so amazed how quickly they process and reimburse.
Insurer: Healthy Paws
By: Maria
high cost
Each year, the insurance rate increases substantially to the point where I may not be able to afford it. I know I do not get as much back in reimbursement as the insurance cost me, but I am seriously considering just putting the payments into a savings account so if she does need more expensive procedures, I will have the money to pay it. I pay insurance for myself, which does not increase with my age as hers does, so would like to continue to insure my pet, but am not sure I can afford that.
Insurer: Nationwide
By: Lea
Latest 1 comments
I agree with you,
Get Pet Insurance!
I have enjoyed Nationwide Pet insurance for 6+ years. I had both pets covered. Samson passed away September 2021. I still have coverage on King-Bailey. I love how simple it is to get refunded for prescription. No paperwork involved. I pick up King's meds from Walmart and the claim is automatically processed and the reimbursement is sent to my bank. There is a 24/7 number to call and an emergency hospital to take your pet in case of emergencies. Nationwide covered all of Samson's burial expenses. If you love your pets, get medical insurance for them. Be ready financially for their emergencies. #Loveurpetenoughtocoverthem
Insurer: Nationwide
By: Carolyn
Failed miserably
After one year and one small claim, my premiums have gone up by an unreasonably ridiculous amount of 40% when I was led to believe that moderate increases could be expected. Nothing moderate about this! I am livid and feel deceived.
Insurer: Trupanion Canada
By: Debby
Best Decision Pet Insurance
This has been a saving grace when out 4-year dog was suddenly diagnosed with colorectal lymphoma. Healthy paws made getting reimbursed for his diagnosis and then treatment easy and fast. Without this insurance we wouldn’t have been able to afford his treatment. The coverage offered is spectacular at a reasonable price.
Insurer: Healthy Paws
By: Sarah