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.
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Best Insurance for Dog care Ever
Fill out questionnaire, then email it in, takes a couple weeks and get a direct deposit for 100% after deductible is paid. Very helpful phone assistance, couldn't be happier. I had another dog for many years and in the end, was paying thousands of dollars for his care. I expect my insurance will help shoulder that load in the distance future. I recommend this company for your pet insurance.
Insurer: MetLife
By: Wendi
Excellent Service
Was able to make same day appt with my vet for unwell doggy who had back pain and decreased mobility. The vet had my Trupanion info on file and. Submitted all claims etc directly to insurer. As this was my first time using my pet insurance I was a little concerned re: coverage, submissions, etc, plus worried about pet. Thought it was going to be a hassle. Turned out to be intervertrebal disc disease. After X-rays, bloodwork, etc. following treatment, pet vastly improved and on bed rest for next 2 Weeks. Trupanion paid then and there, that day their portion of the claim and I didn’t have to do a thing! So impressed with seamless and easy transaction. They kept me in constant communication. Very happy with both vet and Trupanion..
Insurer: Trupanion
By: Maureen
Was a Huge Disappointment
I initially got this policy for a new very expensive pup that I got not too long ago. I was offered a bare bones policy by the sellers but, bought a full policy. I took the pup to the vet on Friday and the claim was not touched until a week later. Nonetheless, I purchased two additional policies for my other two dogs and, was planning to buy a 4th for the new puppy coming next month. However, there were gremlins in the system that didn’t allow me to merge the policies. For over a week I was unable to access the original account until today so I could link the other two policies. I tried linking them but, was unable to because the system didn’t recognized my email address. I have been working with them for over a week to resolve these issues with the website and to link the policies. I called again today to find out what email they had but the policy information and email at their end was correct. The agent told me that she was able to link the policies but, when I tried to access my account the system couldn’t recognize even the original account asking me to provide again my policy number but to no avail. I was already fed up with the whole situation and with the fact that MetLife as big as they are their IT people couldn’t figure out the problem, didn’t get a call back with the status of the trouble ticket, it was a monumental mess. Regretfully, I just told the agent to cancel my policies. She sent the cancellation emails and MetLife lost over $3000 in coverage for my 3 dogs. This was frustrating and disappointing to say the least, I would not recommend this company to anyone. Their process is complicated and they take forever to adjudicate a simple claim.
Insurer: MetLife
By: Guillermo
Best care ever
On vacation when Auggie became sick and Del Rey Vet office got us into an appointment thankfully. After a gentle caring experience with Auggie getting IVs and staying there for the day he was much better. Trupanion was excellent in helping through the process and the vet office did the claim online and within minutes the claim was complete and payment given to the vet office when we picked up Auggie. Every experience with Trupanion is just S professional. I highly recommend them.
Insurer: Trupanion
By: Cris
Online Easy!
I did everything online. It was so very easy and covered what I wanted for my pup. I haven't had to make a claim yet, happy day, but as a Veteran in the Soldier's Best Friend, program I'm sure my pup is in good care with this insurance and Riverside Veterinarian Clinic here in Tucson.
Insurer: MetLife
By: Kris
Fast, Reliable
Easy to make claim and load invoices, wait time isn’t that long. Direct deposits for reimbursement are easy. It makes having to deal with pet illnesses much easier.
Insurer: ASPCA
By: Adrienne
Thousands spent with no cosideration. Price gouge for seinor dogs that have been with Healthy Paws for years.
Almost 5 years,I have been with this company since January 2019 . I had 2 dogs covered paying over $300 monthly. I never made a claim and never missed a payment before a debit card change in July. My payments were on auto pay. I called as soon as I discovered an issue less than 3 weeks from cancellation. They canceled my policy 30 days later with no reinstatement option. They couldn't care less about the fact that we have been long term clients with no claims and now my dogs are older and it will be hard to get reasonable coverage for them .They are supposed to care about pets , they are part of a non-profit , but they are really just concerned about their bottom line and no concern at all for the fact that my dogs are older now 12yrs and 10yrs and more likely to be having a claim in the later years of their life with absolutely no consideration for the fact that they have made thousands of dollars off of my dogs youth and health.The new quote is double the payment amount with 30-40 percent less coverage with 4x the deductible - Total RIP OFF from a company that has made thousands off of these two dogs with 0 claims for so many years. The reps got real rude and defensive when I let them know I wanted to escalate a complaint.They would not give me a viable method to file a formal complaint.He first gave a PO Box to mail a complaint. I asked for other options and whether somone could contact me . He sarcastically suggested BBB so I have complained there as well. Don't subscribe to Healthy paws. If you love your dogs, keep researching and get coverage with a company that loves pets too!!!
Insurer: Healthy Paws
By: Othelia
Latest 1 comments
Othelia, We understand that there are times a policyholder's credit card used on the policy could be lost, compromised by fraud or that there may be a change in bank accounts, expiration date, etc. When an account goes into suspension due to the fact that we are unable to bill the card on file, we make every effort to keep policyholders up to date and informed about the status of their account. Multiple notices are sent via email, and a Notice of (upcoming) Cancellation is sent out via regular post as well. There is also an automatic grace period that is taken into account. However, if we do not hear back from the primary account holder (prior to the cancellation effective date) the account must be canceled. In order to be equitable to all enrolled pet parents, we cannot make any exceptions to this policy. Your email complaint has been provided to management and our customer service team member provided you with our address if you want to submit a written complaint.
Negative 5 stars - DO NOT RECOMMEND
the absolute worst insurance broker I have ever dealt with. Do NOT recommend them! Started our one and only claim after paying premiums they had no problem collecting for a year, in May 2023 for a basic vet visit, tests, anticiotics, and retest to confirm the issue was gone. It's Sept 5th, and we still don't have payment. It took them almost two months once they had documents from every vet our dog had ever seen since we had her to process our claim and approve it. Then they "apparently" entered banking information wrong so it didn't process, lied that they had submitted payment (but the bank confirmed they have never tried to submit) and promised they would deal with it last week, said it takes several days to process once it is submitted - which is a lie the bank confirmed this morning - as direct deposits when submitted are immediate, and the PPU team refuse to let you talk to anyone other than their entry-level customer service agents who can't help you at all, and when you ask to wait on hold until they resolve your issue, which would take 10-15 minutes, they hang up on you instead, and don't bother to call back. And their Ombudsman can't help you either. If you are bored and don't have a job already and want to work full time to get paid for a claim you carried insurance for, sign up. Otherwise - stay as far away from Pets Plus Us, Northbridge who is the underwriter, and the Ombudsman works for Independence Pet Group www.pethealthinc.com - worst waste of my time ever.
Insurer: Pets Plus Us
By: Traci
Awful!
I had insurance for years without a claim. Last month, my credit card on file had a new expiration date and did not go through. My policy was canceled. I was told they emailed me (I searched my email account and only an email from 2 years prior came up), and mailed me - which I did not receive, I called to get it reinstated and they won't do it. My dog is now 6 years old and they can't even create a new policy. Awful!
Insurer: Healthy Paws
By: Jackie
Latest 1 comments
We understand there are times a policyholder's credit card used on the policy could be lost, compromised by fraud or that there may be a change in bank accounts, expiration date, etc. When an account goes into suspension due to the fact that we are unable to bill the card on file, we make every effort to keep policyholders up to date and informed about the status of their accounts. Multiple notices are sent via email, and a Notice of (upcoming) Cancellation is sent out via regular post as well. There is also an automatic grace period taken into account. However, at the end of the grace period, if we do not hear back from the primary account holder (prior to the cancellation effective date) the account is canceled. In order to provide our coverage with no annual or lifetime caps for all pets enrolled with us, we offer plans based on the pet’s information and claims payout in each state. Since your pet fell outside the enrollment guidelines in your state, we could not re-enroll your pet.
This insurance cheats you!
I have called and emailed over TWENTY TIMES, to get paid on a claim they say they approved M. They no longer respond to requests for assistance, causing an official complaint to the Department of Insurance. They actually keep saying my check is “in the mail”, them claim they cancelled it and sent another. And I’m enrolled in direct deposit! Why are they MAILING checks at all? Read the reviews—- they clearly suck. Do not buy HEALTHY PAWS.
Insurer: Healthy Paws
By: Lili
Latest 1 comments
We’re sorry for your frustration regarding your claim reimbursement. Your claim was paid with a check being mailed to you the middle of July. At the beginning of August, you started the process of enrolling into direct deposit, which was completed the middle of August. In the middle of August you notified us that the previously mentioned reimbursement check was not received. A case was made for our Payments Team and at the end of August, a stop payment was placed on the check and your reimbursement was provided by direct deposit.