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A COMPLETE RIP-OFF
A COMPLETE RIP-OFF! I would think twice before giving this company even a penny because they do not honor and follow their own policies and will lie to make sure they don't have to cover a claim. My dog injured her ear a little over a week after we enrolled in Trupanion. We kennelled her and came home after going out for a bit. When we came back she had (what we learned) a hematoma forming under her ear. It got worse over the next couple of days because she began scratching at it because it was obviously bothering her. We took her to the vet and learned it was a hematoma from hitting her ear on the kennel wire. She was thoroughly checked for any underlying causes like an infection or something else, and the doctor found nothing. The dr even noted in the medical record that there was no sign of infection or other underlying causes besides the trauma. Trupanion denied our claim based on their 30-day illness waiting Period stating that a hematoma can be caused by an underlying ear infection. They never called, they never spoke to the vet before denying the claim. Mind you, they also have a 5-day injury waiting period. And my dog's ear injury was caused by trauma. NOT an illness. We appealed the claim because the ear hematoma was caused by trauma and not an illness. The vet we took her to called Trupanion and explained that there was no underlying illness and that the ear hematoma was caused by trauma. And after waiting and waiting to learn if the claim would now be honored...I received an email informing me that they would still not cover the claim and they were still holding to the explanation that it was during the illness waiting period. In my opinion, Trupanion operates under deceitful business practices and do not honor their own policies. Don't have an injury waiting period and an illness waiting period that are different if you are going to have to lie when a claim is received so you don't have to cover it. And then when I called Trupanion to cancel because I refuse to give a dishonorable company my business. Christine answers and can't do anything because she's not licensed in Utah. So she somehow works in a call center that not 1 person is licensed in Utah and she will have to open a file and have someone call me in a few days. I wish I had never trusted Trupanion. You can bet they collected their money every month, but that is where their service ends.
Insurer: Trupanion
By: Brad Burnett
Buyer Beware!
A COMPLETE RIP-OFF! I would think twice before giving this company even a penny because they do not honor and follow their own policies and will lie to make sure they don't have to cover a claim. My dog injured her ear a little over a week after we enrolled in Trupanion. We kennelled her and came home after going out for a bit. When we came back she had (what we learned) a hematoma forming under her ear. It got worse over the next couple of days because she began scratching at it because it was obviously bothering her. We took her to the vet and learned it was a hematoma from hitting her ear on the kennel wire. She was thoroughly checked for any underlying causes like an infection or something else, and the doctor found nothing. The dr even noted in the medical record that there was no sign of infection or other underlying causes besides the trauma. Trupanion denied our claim based on their 30-day illness waiting Period stating that a hematoma can be caused by an underlying ear infection. They never called, they never spoke to the vet before denying the claim. Mind you, they also have a 5-day injury waiting period. And my dog's ear injury was caused by trauma. NOT an illness. We appealed the claim because the ear hematoma was caused by trauma and not an illness. The vet we took her to called Trupanion and explained that there was no underlying illness and that the ear hematoma was caused by trauma. And after waiting and waiting to learn if the claim would now be honored...I received an email informing me that they would still not cover the claim and they were still holding to the explanation that it was during the illness waiting period. In my opinion, Trupanion operates under deceitful business practices and do not honor their own policies. Don't have an injury waiting period and an illness waiting period that are different if you are going to have to lie when a claim is received so you don't have to cover it. And then when I called Trupanion to cancel because I refuse to give a dishonorable company my business. Christine answers and can't do anything because she's not licensed in Utah. So she somehow works in a call center that not 1 person is licensed in Utah and she will have to open a file and have someone call me in a few days. I wish I had never trusted Trupanion. You can bet they collected their money every month, but that is where their service ends.
Insurer: Trupanion
By: Brad
We are so glad that we chose Healthy Paws as our pet insurance.
We were glad that our policy covered our dog’s cataract surgery. Our pet is doing great. He is 10 years old but acts like 2. Submitting a claim is so very easy and convenient. We are so very happy we chose Healthy Paws. We never had pet insurance before for any of our other pets. This was a good choice for us.
Insurer: Healthy Paws
By: John
NOT RECOMMENDED FOR ANY REASON
I have been waiting 5 months for my first claim to go thru. Claim was filed October 24th, 2019. My vet has sent over my cats file several times and they state they have not received it. Now I’m being told it will be another 30-45 days. I’m absolutely disgusted with this company and will never recommend to anyone else.
Insurer: Pets Best
By: Stormie
Great customer service!
Since starting my claim, the customer service team has been fantastic and extremely helpful. They've answered all of my questions so quickly!
Insurer: Figo
By: Alissa
Worst customer service and claims processing.
When I sent an email in asking why my 2 claims from a month ago were still not processed I got no response.I called and was told that they have been expanding their company and were trying to get everyone up to speed..I asked to speak to a supervisor and was told that she didn't have one.I MEAN REALLY.......I called back and did finally get a supervisor who basically told me the same thing and could not tell me when claim would be processed.I will be canceling this policy and looking elsewhere .They really need to change the name from Best Pet to Worst Pet .....
Insurer: Pets Best
By: LINDA
Horrible
Not a recommend from me. Got insurance at 2 years age. Paid 40month after few years I now pay 90$ month with 700 deductible. Not once have I put in a claim. Never.. Horrible not worth it. Over what I paid per month for Nothing I would of put away 6000 already but trupanion has now..
Insurer: Trupanion Canada
By: Will
Efficient, easy
ASPCA insurance was great. The entire claim process took only 5 days from submission until I was reimbursed. I didn’t have to talk to anyone, it was all done online. Someone even called 2 weeks later to make sure my dog was okay.
Insurer: ASPCA
By: Sequora
I wish I signed up with Healthy Paws first!
I wrote a review yesterday but I never mentioned what insurance company I started with. After rescuing a puppy I immediately got insurance and picked Nationwide. I never looked into any other companies I just thought it was a company that everyone knows and they would be the best . I remembered the saying " Nationwide is on your side" so how could I go wrong. They were a known name so I felt comfortable with this company. At 7 months my puppy needed hip surgery which was so devastating to us at any age but especially a 7 month old puppy. Needless to say Nationwide made everything harder. They wouldn't cover anything until I was with the company for a year and they were very difficult with everything. They kept needing mire stuff from the vet and myself only to deny something that should have been covered if you're with the right insurance company. When I spoke with them after I paid for 2 surgeries myself I wanted to switch to the top policy Nationwide had to offer. However they would not allow me to because my dog had surgery at 7 months so basically they wouldn't let me pay for the top policy. I felt like I was being punished for my puppy needing surgery. I was so heart broken going through this with my puppy and so frustrated with this insurance company. I called Healthy Paws and they were so wonderful and caring. They made this process of getting insurance easy and paid for the next 2 surgeries after receiving the claims with no questions asked. I just wish I would have gone with Healthy paws from the beginning. Not only do they pay you fast after receiving your claim but they ckeck up on your animal afterwards to see how she's doing. Needless to say Nationwide is not on your side but Healthy Paws is for sure!! I hope I never need to submit another claim but if I do I know Healthy Paws will be there for us. Best company ever!
Insurer: Healthy Paws
By: Susan
Scary experience thus far
I cannot stress enough HOW much I have had to babysit this company for the past 9 months for updates or even small communication. I'm going on almost a YEAR since filing denied claims with Trupanion and it STILL has yet to be resolved. I also cannot stress enough that this is NOT simply a matter of deeming things as pre-existing issues that cannot be covered. My issue with the company boils right down to their communication and worst of all their ETHICS. When enrolling via phone with Trupanion, I was told ALL WAITING PERIODS WOULD BE WAIVED due to a special enrollment flyer I had recieved from my veterinary clinic in May. Naturally, my dog developed IVDD symptoms shortly after signing up for the policy. No big deal right? I have pet insurance that offers to cover rehab and all the waiting periods are waived. My claim was denied shortly after filing and having a few months of rehab done. The reason was that the IVDD was a pre existing condition that occured within the time frame of my "waiting period." How can that be since I was told VERY CLEARLY over the phone that all my waiting periods had been waived? The loop hole is that the rider coverage I purchased is excluded from the offer and holds its own separate waiting period. This was NEVER disclosed this during my enrollment phone call. Furthermore, I had no way to actually confirm or know this was excluded until after the claim was denied because I was never sent a full disclosure copy of my policy. This is due to the fact that they also did not store my email address correctly in their system when I enrolled over the phone. This wasn't discovered until after my claim was denied and I called to dispute the issue. When I originally asked for my copies to be mailed to me as well as emailed, I was told they no longer mail things in order to be more green. ZERO copies of my policy ever made it to me to review. Once copies of my policy were actually mailed to me, I noticed these were incorrect as well. I signed two pets up at the same time and had received two of the same policy declaration papers for one dog, but nothing on paper for the dog I filled the actual claim for. After a couple months of non consistent communication with Kairi, Another rep named Christine, who had apparently been overseeing my case, called me to let me know they agreed that they had made mistakes in my enrollment and were willing to pay the monetary damages I had accumulated thus far for rehab services for my dog. However, they WOULD not cover any rehab services after that. This to me is not acceptable. I was happy to hear that they would cover thus far, however, that DOES NOT help my dog in the future and IS NOT the policy I was sold when enrolling my dog. She made it a point to tell me that if my dog would ever need surgery for the IVDD or if any work up care such as an MRI was needed, this would be covered. However, the rehab would not be. Why would you not want my dog to continue rehab so the chances of her blowing her back out to the point of needing surgery can be hopefully avoided or prevented? I called her back a week or so later after talking to an attorney. I told Christine I DID STILL WANT TO CONSIDER the offer for damages to be paid but I would be filing a complaint with the Insurance Commissioner of Wisconsin to make sure all my bases are covered. Christine told me they would be talking directly to the OCI moving forward. This happened around the end of September. Fast forward to December. The OCI is now involved. The OCI has made it a point to tell me I'm sadly not the only person to have a similar complaint filed against this company and that Trupanion is borderline negligent in their communication even with them. The OCI sent me a copy of Trupanion's statement and version of their side of the story. Multiple times throughout out the statement it states emails were sent to me with my policy information. How can that be when Trupanion didn't have my correct email address? As if it wasn't clear enough already that their attention is horrendous, the spelling of my name as well as the state I reside in is incorrect through out the statement. It also states that I ultimalety denied the offer as described above. I can't believe a company that claims to to do things in "good faith" would go as far as fabricating stuff on paper. As if this doesn't look sloppy enough, to date, a medical records analysts is STILL calling my vet's office requesting records for my dog even though the claim has already been denied. She notes they recieved the original medical records in bits an pieces and want to make sure they truly have all the records. The also noted they're now questioning some of the medications as well as medical notes put in by the doctor. Your just now doing this when the claim was denied months ago? Yikes. I was hoping I wouldn't have to write this review. However, after another week of ignored phone calls, I feel Trupanion has earned it.
Insurer: Trupanion
By: Kate