Payment Experience
Read pet owners’ reviews on payment experiences with pet insurance companies. Learn how easy it is to pay premiums, manage billing, and whether payments are processed smoothly and transparently.
12,842 total
Other Categories
Unfair calculations
Since, we are responsible for 100% of the deductible, then 100% should be taken off our claim PRIOR to calculating our reimbursement. Instead of $1000(claim)- $300(30% reimbursement rate)=$ 700- $300 (deductible) =$400 reimbursement IT SHOULD BE $1000 (claim)-$300(deductible)=$700- $210(30%reimbursement rate) =$490 reimbursement. (where we lose).
Insurer: Fetch Canada
By: Bee
Terrible rates, poor claim processing..worst insurance ever
My insurance went up to $283 a month, ridiculous for an 8 year old healthy dog. Will be cancelling of course…claims are a pain to send and process . Increasing premium by $100 a month is total robbery, wish I had never signed with this company.
Insurer: Fetch
By: Pat
Latest 1 comments
I am seriously thinking of purchasing the insurance but your experience is awful
Surprisingly the best insurance for my sweet pet
Met Life Pet Insurance is surprisingly easy to file claims and make payments. If there are questions about a claim they will call you so that your claim is not delayed. I cannot say enough good things about Met Life Pet Insurance
136% increase in premiums
ManyPets is currently gouging its customers pretty terribly. In their latest renewal notice, they informed me that the insurance for my 5-year-old-boxer is increasing 136% in one year. Going from about $70 per month to over $160. This is particularly harmful because if I want to leave their company, some of my dog's health concerns will now be considered pre-existing conditions. This is a huge breach of trust that will have lasting impacts for my pet.
Insurer: ManyPets
By: David
Ronnie's knee operation
If you are a Pets Plus Us customer, as I am, I am sure that in your renewal notice this year you will have found that your premiums will be going up by about 40% next year. I wrote to Pets Plus Us before Ronnie (my lovely Labradoodle) injured her knee and asked Pets Plus Us how they could justify such a hike, especially given that we had already sustained premium increases of between 5% and 10% per year, over the last few years. Pets Plus Us response was that the cost of services provided by vets and the costs of treatments now prescribed has increased. I found this an irrelevant explanation because the costs and business models of vets are decoupled from the costs of Pets Plus Us. The maximum amount of cover per claim has not changed at all over the course of Ronnie's 12 year life; no matter what the value of the vet's bill, the maximum amount that Pets Plus Us pay out per claim is the same. The overall effect is that the proportion of pet medical costs that the pet owners are burdened with is increased, and because the claim rates have not moved, the profitability of Pets Plus Us must have increased, relative to their position 12 years ago. As consumers generally: we pay more, and we get less. Seems to be the way of the world these days. I called around a few public authorities to ask to whom I should address my complaints. Sadly it seems that the notion that consumers should be protected from price gouging behaviour of corporations is weak in Canada at present. One organisation suggested that I should 'shop around' to get a better pet insurance deal. I wondered how that person would get on trying to insure an 11 year old dog with any pet 'insurer'. We took out pet insurance for Ronnie shortly after she joined our family thinking that by starting paying monthly insurance premiums early when Ronnie was young and really fit, we would be protecting ourselves from the risk of big pet medical bills when she was older. We thought, that because it was called 'insurance' what we were buying would work like other forms of insurance - like protecting yourself against the flooding of one's home. Deductibles that increase with pet age aside (which are actually pretty reasonable in my view), it seems that Pets Plus Us are moving away from this conventional idea of insurance, and more towards that of a medical payment plan (for pets) where one can 'spread the load' of paying for vet services (subject to their max claim value, the age related deductible, and the co-insurance clause etc.). Does anyone else think the same as I do on this issue? My rant over, I will report that my interactions with Pets Plus Us in dealing with Ronnie's condition have been really good. I thought that I might have suffered delay in some of the processes, especially as I had contacted them to complain so close to the time that Ronnie needed her operation. But pre-approval for the costs of her operation was obtained quickly and the claim reimbursements has been forthcoming promptly too. Their claims system is good too. These interactions were mostly done through the website and by email - which was convenient and pretty slick. When greeted in one of their emails with a "woof", this makes me smile. Perhaps the elevated premiums have been used to improve the service? Back when the same plan was owned by PC Financial, I did have to make a claim, and I remember the service to be good then too. The animal hospital in Walden was fabulous. I had to contact them a few days after the op with news of a bit of a scare. They were very professional, and their support was definitely swift and reassuring. The same has been true for Ronnie's vet at Lockerby Animal Hospital. They have offered wonderful support; it is great to know they have Ronnie's back too (or rather her knee in this case!). Whole thing cost around $5,500 and I got around $2,500 back in the claim for one knee. I am grateful for the reimbursement, and the fact I had a plan in place. It is terrible to think that the only way one can demonstrate 'value for money' in the insurance premiums is if something bad happens to your pet. Next year Pets Plus Us will charge us around $75 per month - you can do the math on the payback yourselves, and I suppose, from Pets Plus Us point of view, this is why we effectively pay in advance too. A friend of mine who used to own a Labrador Retriver told me that 6 or 7 years ago, he got both knees of his dog done for the same money: $5,500 - so the vets' prices have gone up - but we all knew that anyway.
Insurer: Pets Plus Us
By: Dean
Reimbursement from pet insurance
Sent the claim in and heard back a few days later that it was accepted. Payment was on the way a couple days later. Not too difficult to do. Thank you!
worst rip off insurance
so far no payment has ever been paid. for pet bills. Ive been paying for insurance for a long time. and it is impossible to get them to pay out any thing.
Insurer: Hartville
By: linda
Coverage Review
I purchased Pet Insurance with the hopes of never having to use it. Every issue has been quite easy to deal with as my vet submits the paperwork and I eventually get a cheque. They do have a direct deposit option which I should fill out to speed up the process. It feels good knowing that the coverage is in place and that my Doodle will be taken care of.
Lemonade is great
Lemonade has been a great pet insurance for our 1 year old French Bulldog. He ate a kid’s toy that he shouldn’t have, but then it was too big to get past his stomach, so I had to take him to the pet ER. Lemonade paid for most of the ER visit and the scope procedure to remove the foreign body. That was over $3,000! Plus it was very easy to place the claim and then get the payment.
Insurer: Lemonade
By: Eric
Latest 1 comments
Did you pay for deductible first to get your payment ?