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Typical insurance, they'll get out of paying.
This insurance is a scam. We signed up within a couple days of adopting our two new kittens. They tell you to take them in for a wellness exam within a week or two after you adopt. We did that. This exam was, of course, within the waiting period. Fine, we paid for it out of pocket and didn't submit anything. One of the kittens had started having diarrhea so they did a fecal test just in case it wasn't just the stress of the move and food changes. It came back negative and our vet said to just give it a little time. Everything else checked out well with both cats--happy and healthy. Then a month later diarrhea is back and bad so we go back to see why. They do a PCR fecal test and some bloodwork. But because diarrhea was mentioned in her first appointment, now they consider it a pre-existing condition and cannot be covered. Imagine that, a kitten with diarrhea, as if that is rare. Now I have paid over $1,000 out of pocket and none of it is covered, or even goes even toward my deductible. I have to pay for insurance that doesn't cover anything that might be in any way tied to GI or diarrhea for another 6 months before they "might" not consider it a pre-existing condition anymore.
Insurer: Spot
By: Shelley
A critical partner in our dog’s care
Over the past year, we have faced multiple pet emergencies, and I can confidently say that without Healthy Paws, our pets wouldn’t be as happy and healthy as they are today. Their support during some truly difficult times has been invaluable. Filing claims has been incredibly easy, and reimbursement has always been prompt. More importantly, the peace of mind that comes with knowing we can focus on getting the best care for our pets—without the overwhelming financial stress—has made all the difference. I sincerely hope no one has to go through traumatic injuries like we have, but if you ever find yourself in that position, you’ll be grateful to have a company like Healthy Paws by your side. Their compassion and efficiency have truly exceeded our expectations.
Insurer: Healthy Paws
By: Taylor Ford
The claim was processed very quickly!
The claim was processed very quickly! BUT… I am not pleased at all with the new monthly premium that went up 47% this year!!!
Insurer: Pets Best
By: Jessica Ducharme
Trupanion Price Gouges
Trupanion was great for the first year. I payed 40 dollars for my pup with a 500 deductible and 90% coverage. My favorite thing about them is they don’t increase cost for animals as they age (or so they say) only for inflation/vet cost increase. As soon as my first year with them finished the price went from 40 to 50 dollars (25% up) just like that. When reaching out to them they said it was due to inflation, I’d like to point out inflation for 2024 was 2.9%. If they follow this pattern, by four years my policy will have doubled. This insurance looks good from the start but they will be increasing your premiums drastically so be prepared for that.
Insurer: Trupanion
By: Colton Cates
Very poor customer service
Very poor customer service. I have called multiple times in the past two weeks regarding changing my form of payment after Trupanion website denied my credit card information multiple times. I was told to check with credit card company etc. which I did - no issue there. I have been promised a call back from a supervisor many times. No call back or resolution for 2 weeks. My dog is almost 15 years old and I have paid thousands in premiums over the years. Current premium is $245/mo. I expect far better service from a company that has taken in thousands of dollars from me with very few claims paid out.
Insurer: Trupanion
By: Brenda Riedler
The claim was soo easy
The claim was soo, easy to complete. I have two dogs, (Labs) and taking them anywhere is a work out. That was the most difficult thing. The claim form was quick and simple. Scan a copy of the invoice, fill in the drop-downs and the amount and it's on it's way. It was almost relaxing to do the paperwork.
Insurer: Embrace
By: Jackie Guynn
Very communicative during whole claim…
Very communicative during whole claim process.
Insurer: Fetch
By: Richard
Yay for spot!
The site is easy to use and process for claims is always quick!
Insurer: Spot
By: Danielle Escobar
Easy to set up
Easy to set up. Like flexibility on plans.
Insurer: Trupanion
By: Angelique
A better company than what I had before
For the 1st positive thing about this company was the rates. I had been paying $35.00 a month with MetLife Pet Insurance for 3 years. I had always had auto pay. Then last August they stopped using my auto pay but did not inform me. When I realized, the policy had been canceled. They were not willing to reinstate my policy, eventhough it was their error by not telling me. I looked online and found Nationwide Pet Insurance. Not only was the coverage much better but the rate was a lovely surprise. It easy to sign up and my kitty had coverage by the end of the day!
Insurer: Nationwide
By: Rebecca