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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Price Gouging!
When I started with Healthy Paw ten years ago, the were owned by a different company. Each year my increases were reasonable. When they were acquired by Chubb, I started seeing jumps of 50% or more annually. This year they sent me a notice that my rates were increasing by 150% from $105/month to $257/month. I am gobsmacked by this increase. They sent a long letter trying to justify why they had to up my rate and it was all corporate BS. The problem with changing insurance companies is that no new company will cover pre-existing conditions. So, they kind have you by the balls if you have a pet with a chronic condition. Chubb has no conscience when it comes to exploiting this aspect of pet insurance, knowing that you will probably suck it up and pay the exorbitant increase because of a pre-existing or chronic condition. Not this year. The 150% increase in premium rates is cost prohibitive for me. I did some research and found that there are plenty of insurers out there with the same coverage for far less. The average I found was about $125/month. Don't get stuck with Healthy Paws. They lure you in with a competitive rate and then increase the premiums every year at an excessive percentage. Shop around before getting stuck with them.
Insurer: Healthy Paws
By: Claire
I love Pumpkin
I love Pumpkin, I am a big fan because they have helped me so much with my dogs care. The rate is reasonable and claims are paid quickly. I would recommend to my family and friends.
Insurer: Pumpkin
By: Dominique
We got pet insurance with Truanion when…
We got pet insurance with Truanion when we got our Springer Spaniel in Ottawa and we were paying about $68 per month. About a year later our dog was diagnose with a incurable enlarge heart, thank good we had insurance. In October of 2023 we moved to Vancouver Island and our insurance went up to almost $90 per month and they said veterinarian cost was higher in BC. We compaired our cost from Ottawa and BC and our cost was less. Now we moved around the corner from were we lived and the insurance went up to $108 month. So I called them and they told me because we moved the cost is higher and I told them it was just a block away. Then after talking with them they said it was because of so many claims. I got the insurance so that I don't have to pay so much, is this fair??
Insurer: Trupanion Canada
By: Fred Lloyd
The process of getting a quote was easy…
The process of getting a quote was easy and straightforward. The only issue I had was when I called and the rep had a different price than I did.
Insurer: MetLife
By: Sarah
Honest and reliable
Honest and reliable
Insurer: Pumpkin
By: Kevin Michael Eaton
I’m posting this as a warning
I’m posting this as a warning to other pet owners. My Pets Best policy premium increased from about $54 per month to $94 per month — roughly a 72% increase — at renewal. There were zero claims on the policy, no changes to coverage, and my dog is a 6-year-old Cane Corso. Pets Best stated that an email notification was sent and provided a date and subject line. However, after thoroughly searching my inbox, spam, and trash folders, I never received any email clearly disclosing this increase. They were unable to provide proof of delivery or receipt. Once I discovered the increase, I contacted customer service and cancelled the policy. Pets Best only refunded a prorated portion of the current month and refused to refund the increased premiums already charged, despite the lack of clear notice. I’m not disputing the company’s right to adjust rates. My issue is the lack of effective disclosure of a substantial premium increase and the refusal to make it right once identified. I strongly recommend that pet owners monitor renewal billing very closely and not rely on Pets Best to clearly notify them of major price changes.
Insurer: Pets Best
By: robert Latta
Signed up through my employer work…
Signed up through my employer work discounts, process was simple and easy.
Insurer: MetLife
By: Joann V
Don't Buy Unless You Are OK with Being Left High and Dry
I have had this insurance for 10 years, since my cats were young. It was good insurance, until it wasn't. I planned to keep this insurance for the lifetime of my cats. Then, Nationwide decided they didn't want to operate in Florida anymore because it's too expensive for this huge corporation. Now I have to find replacement insurance with another company for two senior cats with conditions that developed during Nationwide's coverage that *would* have been covered if Nationwide didn't pull out of Florida, but now won't be covered by my next plan as "preexisting conditions", just when I needed the insurance the most. Beware, do not sign up for this insurance because they just might decide your state is too expensive next and your pet's most important conditions won't be covered. Adding insult to injury, they denied my final claims. The plans listed an effective date through the 2nd. "January 2nd" is the date listed everywhere on the app and on the website. One cat was due for his one month follow up after radioactive iodine treatment and the other was due for his 6 month recheck of his kidney values, so I took them both on the 2nd. Guess what - both claims were denied by Nationwide who now states that actually January 1st is the last day of the policy because January 2nd they're no longer effective. If that's the case, the website and app should say January 1st! Every expiration date I've ever come across in my life lists the last day of the effectiveness of the policy, plan, service, card, etc., and you have until the end of the day to use it. I begged them to help me, to see if there was anything they could do, because this was not clear at all and the entire situation of the company pulling out of Florida is not my fault. They were rude and cold on the phone, saying there's nothing they can do. Of course there is something they can do, they can cover the claims, but they don't want to. Thanks Nationwide for leaving me in tears and leaving my cats vulnerable to their now "preexisting" conditions in their senior years. I am so sorry to all others who are in the same position as me in Florida and hope no one else in other states has to experience this, but I wouldn't risk it.
Initial premium amount is way off compared to actual!
The premium amount I was quoted per pay period when I initially signed up isn't what's reflected on the emailed quote I received a day later - it more than doubled. I can understand an increase by a few dollars, but the rate I was sent is in no way close to the initial quote. We're not off to a good start. I will likely not go through with it.
Insurer: Nationwide
By: Lily
They certainly are good communicators
They certainly are good communicators. And without pet insurance, it would be much more expensive. Thanks Fetch!
Insurer: Fetch
By: Hope