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…
FINAL UPDATE: After additional communication and a secondary review, my claims were reassessed and ultimately approved, including the largest emergency claim. I appreciate that the company took the time to re-review the file and adjust the determinations. However, the claims were initially denied in full, and it required significant follow-up, requests for clarification, and escalation before the situation was reviewed again. During an emergency situation, policyholders are often forced to make fast and expensive medical decisions for their pets. If I had accepted the initial determination at face value, it could have significantly affected the choices I felt able to make regarding my pet’s care. That aspect of the experience was particularly stressful and concerning. The final outcome was positive, but the process itself was confusing and time-consuming during an already difficult situation. Clearer communication and transparency around how medical history notes are interpreted would make the process much smoother for policyholders in the future. I am updating this review and rating to reflect the final resolution. 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
It’s easy to stay golden!
Easy to sign up and plenty of affordable options.
Insurer: MetLife
By: Rikki Pentland
My Snow had a fracture bone and when he…
My Snow had a fracture bone and when he had a surgery Trupanion helped us and covered almost everything in our bill. I am very pleased and fortunate that I chose Trupanion for my Dog’s pet insurance. Thank you Trupanion for your help! I am grateful!
Insurer: Trupanion
By: Charity Vargas
The Ferch insurance was easy to file a claim file a…
The Ferch insurance was easy to file a claim. The price of the insurance is resonable and the coverage is comendable.
Insurer: Fetch
By: Porter Scott
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
I have had pets best for over 3 years
I have had pets best for over 3 years, customer service is horrible, and on a $800 wellness they reimbursed $200, on a $1200, vet bill the say they are reimbursing $150. This insurance is a scam. $100 per month for three years would have been better in a savings account for my dogs health. Put your money in the bank not in their fat pocket.
Insurer: Pets Best
By: Auctioneer
good experience with good fee
good experience with good fee
Insurer: MetLife
By: customer