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BE AWARE:Tricky reimbursement rules
I have had my dog, Iggy insured with health insurance with Pet Plan/ Fetch by the Dodo for over 10 years. I had never filed a claim until last year. My premium started at around $200.00 ( year 1) to now $1300.00, which is to be expected because of Iggy' age. I purchased it with a $450.00 Deductible at with a 20% co insurance. I sent the proper information to them and they agreed to pay. Recently I made a new claim for an ER visit for a Paw issue. My 13 1/2 year old Labradoodle could not walk.The Vet visit went well. The bill was for $596.63, the agreed to pay $27.30. PLEASE BE AWARE OF HOW THEY COMPUTE HOW THEY PAY A CLAIM. The 20% Co pay is on the whole amount EVEN the amount of the deductible (in my case $450.00), the funds they would never pay in the first place. They are considering that deductible amount in the final payment. Like as if they paid from it. MOST human health insurance policies pay at a full reimbursement rate in my case $450.00 AFTER the deductible. Claim amt: $596.63 Deductible: $450.00 Total: $146.63 80% reimbursement $117.31 $117.31 vs. $27.30 Now if Iggy has to go back for the same issue they will pay on all new dollars spent @ 80%. Just be aware on small claims they go out of their way to pay smaller. They are a Closely owned private company. They could change this easily. This insurance will serve you on the larger claims. If you read in their response they stated: Pet insurance is not the same as human health insurance. THAT STATEMENT IS FALSE. However, it is true for Fetch by the Dodo insurance. There are some pet insurance companies that treat your pet just like a human. I consider IGGY as important as any human in my life.
Insurer: Fetch
By: Wesley Radwan
Has been using for over one year
Has been using for over one year. Easy claim no bs. Need full documents the first time.
Insurer: ManyPets
By: Mingzhu Shi
First claim
Very pleased that I chose MetLife to cover our dog. The only problem I had was because I didn't initially watch the instructions they gave. Claim review and payment went quickly.
Insurer: MetLife
By: Susan
Excellent insurance
We have had this insurance since we adopted our pup at 8 weeks old. Insurance has always covered everything they said the would without hesitation. Their app is easy to use and they send payments quickly. I’ve recommended them to family and friends.
Insurer: ASPCA
By: Vasuki
The very best!
We have had Trupanion as an insurance provider for our Wheaten dogs nearly 25 years and Trupanion has always responded with the greatest financial support and service. We are living with our 4th dog and each has received the same level of support!. I would and do always strongly suggest to friends that they protect their pets with Trupanion. It’s the best lifesaver that owners will ever get for their companions!
Insurer: Trupanion
By: Donne
This process is speedy and easy to…
This process is speedy and easy to navigate.
Insurer: Embrace
By: Tori Castrejon
Happy with my quote price, but they did not take the fund when they requested
I was happy with my car insurance quote. I even enjoyed the customer service what I did not enjoy was sonnett not taking the payment when it was due. First saying that my payment way declined, which is impossible as i had and have the fund in my account. I was emailed to rectify in 3days, so i quickly changed my debit visa to my direct withdraw from my accoun. I have yet to have the funds taken from my account, and am disappointed in this delay as i have the funds awaiting in my account. I understand mistakes happen, buy would prefer if this does not happen next month. Thank you. Appreciate your service of insurance
Insurer: Sonnet
By: K H
Excellent Customer service
Very easy to submit invoices and Claim documents and with direct deposit option to have funds reimbursed to personal account.. in a timely manner...
Insurer: Embrace
By: Ronald Reader
the website is so easy to use
the website is so easy to use, to find information and to file a claim! the customer service staff is so very caring and helpful and knowledgeable! There is so much to appreciate about this insurance company!
Insurer: ASPCA
By: KATIE Hanvy
MetLife Came Through for Us When We Needed Them
I wanted to take some time to share my recent experience with MetLife Pet Insurance. Over the years, we've had many pets, but never signed-up for insurance. That recently changed when my employer offered it through MetLife with a discount as a benefit. I decided to sign up but was always skeptical how difficult it would be to submit a claim and get it approved if I ever needed to. Unfortunately, just a few months after I signed up for the policy, our now 16-month-old Labrador tore the cruciate ligament in her left leg when she slipped on the floor. We had TPLO surgery done, which cost $4,200, and I immediately filed a claim with MetLife after I had collected all the paperwork. The online claim submission process was very easy, intuitive, and did not require anything extraordinary or unreasonable. After a few days of waiting, I was notified that the claim was approved! To be honest, I thought it was going to be a battle to get it approved, but there were no follow-up questions or requests for any other records beyond what I had already submitted. Within a day of the claim being approved, I received an email with instructions for payment options. I selected a direct deposit into our checking account, and the money was deposited in less than 24 hours! Wow! It's hard enough to have to go through all of this drama with our pup, but having MetLife pay our claim with no questions asked has definitely provided us with some much-needed good news and relief. Thank you, MetLife! It's great to know there are still companies out there who provide great service and do what they say! I hope to never have to file another claim again in the future, but it's comforting to know that MetLife has my back if I do.
Insurer: MetLife
By: Dan