Great pet insurance

Out of 10

claims are paid fast. it covers most thingsonly complaint would be the fast rising premium rates. They have increased over 100% in the last 8 years. I don't believe it has to do entirely with rising vet costs as they have definitely not increased that much.

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joint problem - elbow
Claim Amount
$500 - $1000

Mixed Breed

Age of Pet
Over 8 years

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Posted: 07/24/2014

Thanks so much for taking the time to provide us feedback. We're always striving to improve, and feedback from our customers is what enables that improvement.

Our premiums are based on the average cost of vet care looking at your pet's age at enrollment, breed, gender, your area, and how you set up the policy. As the average cost of vet care for those factors changes, we must adjust our premiums accordingly. That means up OR down.

When we say the average cost of veterinary care is changing, that generally actually has very little to do with vets charging different amounts for the same procedures. The average cost of care is more impacted by things like advancing technology (new technology is often more effective but also more costly), increasing availability and utilization of emergency and specialty clinics (these clinics are generally more costly than a regular veterinarian), and people just being more willing to spend more money to treat their pets.

Our mission is to be there for you when you need us. That means covering this new technology, not reducing coverage because you went to a more costly clinic, and not limiting how much you can spend to get your pet the care they need. Because our coverage is so inclusive and comprehensive, as these (and other) things impact the average cost of veterinary care, we must adjust our premiums accordingly so we can continue to offer the same amazing coverage.

While we never want to have to increase our premiums, I hope this helps you understand why it's a necessity. If you'd like to discuss it further, you're more than welcome to call us any time at 1.855.266.2151.