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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I bought this insurance because of how…
UPDATE: My Trustpilot profile uses a nickname, which likely explains why Embrace stated they were unable to locate my account. The company does have my policy and claim information, and my claims are now currently being re-reviewed after I requested additional clarification. I am updating this review for transparency. I have asked for the specific medical record citations and policy language used to deny my claims and am still waiting for those details in writing. I also reviewed the onboarding emails I received, including my policy activation email, and did not see explicit instructions directing me to request a separate medical history pre-review. I will update again once the re-review process is complete. Thank you. I bought this insurance because of how it presents itself — “pet insurance for any situation,” fast claims processing, and financial protection when emergencies happen. When my pet had a real emergency, that was not my experience. After paying premiums for over a year, my pet required emergency ER care and life-saving treatment. The bill exceeded $8,000. I approved care believing my policy (70% reimbursement after deductible) would help carry at least some of the cost, which is exactly why I had insurance in the first place - to protect my pet. All three emergency claims were denied. Their explanation relied on broad interpretations of historical vet notes as “pre-existing,” even though there had been no prior diagnosis or indication from my veterinarian that my pet had any underlying condition that could lead to this emergency. The same medical history that allowed enrollment was later used to deny coverage when an emergency actually occurred. Adding to the frustration, my claims sat without resolution for over a month. After I began repeatedly following up, all three were reviewed and denied at once. The financial result has been severe. The reality is that being left with this level of unexpected cost directly affects what ongoing care decisions I can reasonably make for my pet. I paid for this policy in good faith so that if an emergency ever happened, my pet would be protected. When that emergency happened, the coverage I expected wasn’t there. In my experience, this company failed when it mattered most.
Insurer: Embrace
By: Sam
Good Price for low income
Good Price for low income
Insurer: MetLife
By: Meri Michal Smith
Worst pet insurance company ever
Worst pet insurance company ever. They will do anything possible to delay or completely not pay a claim. If anyone is interested in hiring an attorney to form a class action lawsuit please let me know.
Insurer: Embrace
By: steven schachtel Schachtel
This is my first time getting pet…
This is my first time getting pet insurance, great price, easy to sign up.
Insurer: MetLife
By: customer
Pet care a racket once insurance companies step in
2 cats enrolled at 3 months old and 13 months old. Both healthy. No issues. Premiums were 2023 -$42, 2024 - $59, 2025 - $68, 2026 - $82. This represents premium hikes of 40%, 15%, and 21% respectively. Most "issues" cost $250-$500/yr - sneezy pet, blood in stool. Most pet-owners opt for a $250 deductible. For the $800+/yr in premiums, consider a "pet savings account". In the end of your pet's life, you get the money back if your pet enjoyed a healthy life. And if they need heart or brain surgery, maybe it's a sign our pet's time is up. Supporting pet insurance has resulted in pet surgeries and pet medications rivaling human medical treatment costs. We've all seen the "surgery rooms" and "pet recovery rooms" at pet hospitals: considerably sub-standard to human facilities yet the price charged is equal. My non-resident husband paid $3,100 for knee surgery in an Ontario hospital. The cost of cat knee surgery is $3,500-7,000. The pet-care industry has turned into a racket.
Insurer: Trupanion Canada
By: JG
good experience with good fee
good experience with good fee
Insurer: MetLife
By: customer
Excellent customer service
Excellent customer service. Thank you for keeping within the United States and not sourcing out. Your prices are affordable and fair—our beloved pets need that now with out-of-control veterinary care prices. Please consider better dental health preventative coverage.
Insurer: ASPCA
By: P B
Good pricing and process for claims
Looking at coverage options is easy and straightforward! Prices are good and the claims we've submitted have been reviewed relatively quickly and payment issued promptly. No issues!
Insurer: ASPCA
By: Sarah Goff
Our premiums jumped 70 bucks more per…
Our premiums jumped 70 bucks more per month. They go up it seems as the dog gets older. Would not do this again. You're far better putting that money into the bank. 185 to now 254. It's outrageous. Getting the sense that they want you drop it, they've made the bucks off you when the dog was younger and healthier. Beware of this company as your pet gets older.
Insurer: Trupanion Canada
By: Susan
Easy and understanding to get the…
Easy and understanding to get the insurance also affordable .
Insurer: Nationwide
By: Isolina Moore