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What 4 month old labradoodle jumps out…
What 4 month old labradoodle jumps out of a moving car? MINE! and Trupanion has been with me through every one of life's unexpected moments with my 5 year old girl.
Insurer: Trupanion
By: Nancy Hearne
Disingenuous Deductible
I have the $250 deductible 80% coverage plan but it is disingenuous to call this a $250 deductible. It is a $300 deductible because only 80% of eligible costs go towards the deductible. In my insurance policy it says: "DEDUCTIBLE: Your pet’s deductible is shown on the pet schedule of the declarations page. Your pet’s deductible shall apply once per coverage term. " My declarations page says: Coinsurance (Your Share): 20% Reimbursement (Our Share): 80% Annual Deductible: $250 Example, if I have a $1,000 vet bill that are all eligible costs I would expect to pay $400 (assuming its the first claim of the year). This is made up of a $250 deductible and $150 (($1,000-$250)*.20=$150) and Healthy Paws would reimburse me $600. ((($1,000-$250)*.80=$600) HOWEVER, Healthy Paws looks at the $1000 bill and ($1,000*80%= $800) because "I am responsible for 20% of all vet bills and healthy paws reimburses 80% of total vet bills". They they take the $250 deductible out of the $800 and I am only reimbursed $550 and not $600. This is truly a $300 deductible. I was told by a customer service liaison (who was incredibly insulting) that deductibles in pet insurance work differently than deductibles such as in homeowners, car, or health insurance policies. I pay a good amount of money per month for my policy, I've held it for almost 4 years now. I would expect more from this company.
Insurer: Healthy Paws
By: Kimberly
User friendly
This review is based on how easy & user friendly it was to enroll from their website. Got to play with different numbers based on our budget & we couldn’t be more satisfied. Minus one star because our coverage hasn’t kicked in yet, still on a 2 week waiting period so we could not review the actual services, if any.
Insurer: Spot
By: Mylene Estes
It should not take over a month to…
It should not take over a month to process a claim. I have also found that the coverage is lacking so reimbursements aren't even close to what a paid out. So after factoring in the monthly payments and applying the deductible, it costs me more than it saves me. This program is just not worth the money.
Insurer: Pets Best
By: Elizabeth Schroeder
Very difficult to file a claim..communication poor
Very difficult to file a claim. Said needed more information from my vet and that they would call. Said they could not contact my vet and closed the claim. I have no idea what additional information they needed but they just went ahead and closed the claim.
Insurer: Pets Best
By: Gary
I do not normally take the time to write reviews but
Turns out I have a dog with a chronic (mega- esophagus) life long condition that I did not know about when I insured him, nor did they. Nonetheless they have kept their end of the bargain. They are well organized, friendly, knowledgeable and very responsive. Wish every company (especially the telecoms!!!) were like this so I would not have "tech support PSD".
Insurer: Trupanion
By: Kris
I loved Figo at first
I loved Figo at first. They had very affordable rates and great coverage- I bought plans for all of my pets. As time went on and their underwriters got bought out, the premiums went up astronomically, and continue to do so every year. I had to drop coverage on all but one of my pets (he's special needs), but on the remaining plan, I'm paying a fortune for terrible coverage because I can't afford the coverage I'd like to have for my pet. Not to mention, I can't go to another company because my pet's conditions will be considered preexisting. I trusted Figo with my pet's coverage, and they seriously let me down. The rate goes up by $30 a month every year like clockwork, and to cover anything, they want an absurd amount of records, including records that they already have from previous claims. Figo is just a joke anymore.
Insurer: Figo
By: Sarah
Great service
Easy to contact someone and questions cheerfully answered. Claim process is very user friendly
Insurer: Figo
By: LC
Some challenges with the app
Some challenges with the app. And some policy limitations. But excellent customer service and very responsive.
Insurer: Figo
By: Heather Petersen
Figo review
Figo has been great with helping me take care of my English bulldog! Every claim I’ve filed has been paid out, and it has always been quick.
Insurer: Figo
By: Samantha Carzoli