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Feeling conflicted
My sweet beagle girl of 12 years recently passed away from TCC, a form of cancer in the bladder. We have been with Pets Best for several years. First, the good....Pets Best has always reimbursed quickly (1 to 2 weeks, sometimes 3). I have never had a problem where I had to dispute a payout/claim. We were covered under their old plan where we have a $7000 per condition pay out. Pets Best paid out over $6000 for our girls care until she passed away. Their customer service has always been top notch. The bad...once our dogs became seniors, and Pets Best changed underwriter's our premiums sky rocketed. More than doubled. They claim it's due to rising costs and it's based on a review of location, veterinary costs rising. I don't buy it because vet costs did not more than double and no one else did either. I felt trapped because my girls had pre-existing conditions. I will say I took my younger pet and moved him to another insurance. When I asked to switch to the new insurance policies, I was told I could certainly do that but anything under the old policy, the old underwriter, would be considered pre-existing. That just made no sense to me. It's the same company. This is where I learned to find a strong insurance company that doesn't change underwriters. Pets Best have changed underwriters at least twice since I have been insured with them. Yes, they will work with you to lower your monthly premium but you sacrifice on coverage. We had to change to a $250 deductible (it was $100). At the end of the year, the price went up again, almost doubling. Once again, we had to sacrifice and increase the deductible to $500. I almost lowered the coverage to $2500 just because it was becoming so expensive. Thank God I didn't because less than a month of my policy renewal we found out my girl had cancer. I was once a supporter of Pets Best. It appears their insurance is different now and maybe it's better but under our policy, there were several breed, hereditary exclusions and they don't cover holistic treatment. How I want to be a Pets Best supporter. In terms of customer service, and claim turn around, I have had nothing but great service. However, because of change in underwriters and my premiums more than doubling (we are talking hundreds of dollars per pet...two years in a row), I can no longer recommend Pets Best. I still have one more pet insured with them and once she passes on, I will move on. It really is too bad because I want to
Insurer: Pets Best
By: Sarah
Choose Healthy Paws!
Healthy paws is an excellent choice. I adopted my dog about four months ago and three months after adopting her she needed massive spinal surgery because she had begun going paralyzed in her hind legs. I am so happy I choose healthy paws as my insurance upon adopting her. Everyone I spoke to on the phone was extremely helpful and they processed my claim incredibly quickly. I received the check for my reimbursement just one week after the surgery. A week or two after the surgery they even emailed me checking up on my dog to see how she was feeling. My experience with healthy paws has been a great one, and I would recommend them to anyone. Thank you healthy paws!
Insurer: Healthy Paws
By: Melissa
Very happy
Once again excellent service.
Insurer: Embrace
By: Claudia
Peace of MInd for my dog's health
WHile I hope to never have to use my pet insurance, I am so glad a friend recommended Embrace to me when my dog was a puppy. At 3 1/2 he crashed into another dog and seriously strained his Iliopsoas muscle. Embrace covered everything - emergency vet, surgical doc, Physical Therapy, and Chiropractic. I just renewed - my dog is nearly 4 yrs old - and my premiums are still under $300/yr. Worth every penny to know I do not ever have to choose between my dog's health (or life) and my wallet. Also - whenever I have called, staff has been very helpful and responsive.
Insurer: Embrace
By: Carolyn
Best Pet Insurance Out There
Great Company. User Friendly site. Quick insurance payout
Insurer: ASPCA
By: Ruthie
Simply the best
Look around no further. This is simply the best and easiest insurance company to work with. In addition, they care about their fur babies and customers. They send a get well card immediately which is always welcoming, and whenever you need assistance you call and are speaking to the same person which gives you a sense of that small town feel where you don't have to deal with a random representative who doesn't know anything about you or the dog nor cares. If only human health insurance were so simple! :-)
Insurer: Figo
By: Mark
Dishonest during sales process!
When we called them to get a policy for our dog, they assured us that we were covered for EVERYTHING and we would receive 90% of ALL costs of our dogs healthcare. 2 months after we started our insurance, we had to go to the vet and had a bill for $985. They claimed that only $286 was rest and that the rest was not due to a "pre-existing condition". Not only did they make NO mention of that on the first phone call, but they are now doing everything not to reimburse us. They are claiming that this is a "pre-existing condition" when our dog did not have the same issues at all!
Insurer: Trupanion
By: Jeremy B.
very helpful and worthwhile
Having Embrace pet insurance has been very helpful in managing large vet expenses for my dog. Their customer service has been great and their coverage of claims has been fair and without any surprises.
Insurer: Embrace
By: Scott
Good Healthcare can be Expensive!
We have a 3 year old yellow lab mix rescue. She has had insurance since we got her at about 2 months old and immediately enrolled her in the Embrace Insurance before she had any pre-existing conditions. She is very healthy, but has developed incontinence from being spayed. This is an ongoing problem which she will take medication for the rest of her life. We haven't needed to use the insurance much, but it sure will come in handy now. We have had Embrace for our last 2 dogs and have been very happy with it. They pay promptly and as long as it isn't a pre-existing condition, are very fair. I like that there is no set schedule for what will be covered as with some pet insurance. I have recommended this insurance to many of my friends and will always have it for my dogs.
Insurer: Embrace
By: Sharon
Awesome Insurance! Awesome Customer Service!
Healthy Paws is amazing! I insured my Siberian Husky (Akira) after devastating medical bills with another Husky I owned years ago and said I would never have a dog without having insurance. Best decision I ever made! Akira ate a rock that got lodged in her small intestine, requiring emergency surgery and Healthy Paws was there with me every step of the way to ensure everything was taken care of so all I needed to worry about was getting my dog better. I have encouraged my family and friends to get pet insurance with Healthy Paws so they can have the same peace of mind that I have! I had four claims, totaling around $5,000 and received reimbursement checks today in the mail. She doesn't even have her stitches out yet and I've already received my money back. WOW! That is some incredible service. :-) Akira is doing fantastic and is finally back to her old self, eating, playing and singing! I can't tell you how reassuring it was to be able to tell the Vet to do whatever they needed to get her healthy and not have to worry about being able to pay for it. When I was at the Vet, I was talking with the Vet Techs who have other insurance for their pets and when they heard how comprehensive my policy is, how little I pay and how fantastic the customer service is at Healthy Paws, they all said they were switching their insurance. I don't blame them! I spent days comparing all the companies and know I picked the best one for my pet. Healthy Paws emailed me during Akira's recovery to make sure she was doing better and to see if there was anything they could do. They were genuinely interested in her well being. Every contact I've had with them, either by phone or email has been phenomenal. Truly, the best customer service EVER!
Insurer: Healthy Paws
By: Connie Obos