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Pet parents across the U.S. and Canada have left over 220,939 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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Claim Handling Practices
MetLife has attempted to deny claims despite clear documentation and prior claim history confirming the condition is not pre-existing under the policy. At policy inception, there was only one named pre-existing condition which was conjunctivitis. The delays and denial reflects multiple failures: failure to review prior approved claims, failure to review submitted medical documentation, failure to correctly apply policy terms (including the Pre-Existing Condition Coverage Endorsement on my policy), and incorrect coding of the condition. MetLife’s suggestion to file an appeal is improper on these claims. This is not a dispute requiring new information, but a failure in initial claim handling. Requiring an appeal shifts the burden to the policyholder to correct the insurer’s error. This contradicts prior determinations and policy language. While some claims have been handled swiftly, having to explain and show them their own policy language, where to look on submitted documentation and what to review on prior carrier information to see what was excluded, as well as repeatedly having to send in the same documentation in concerning which is why the 3 star overall review is being given. As an insurance professional, I am concerned that consumers who do not fully understand policy language may be unfairly denied coverage without realizing the error. This raises concerns regarding improper claims practices.
Insurer: MetLife
By: Lisa
Prompt reimbursement
Prompt reimbursement for our fur-baby's recent visit to the veterinarian made it less stressful for us.
Insurer: Spot
By: Pamela
Always get exactly what I ordered
Always get exactly what I ordered. In a timely manner and packaged perfectly.
Insurer: Fetch
By: Susan Ghiorsi
Everything went smoothly and agent was…
Everything went smoothly and agent was very helpful
Insurer: Nationwide
By: customer. John Bayne
Easy Enrollment
it was easy and ability to compare plans and even chose my own deductible limits and reimbursement % was very empowering
Insurer: MetLife
By: Viju Velu
They understood every minor problem…
They understood every minor problem that I had and were able to rectify the error. They were very good to work with they might take a little longer than normal companies but they get to work done.
Insurer: MetLife
By: M.I.R
Terrible had to pay out money after…
Terrible had to pay out money after adopting a kitten who was sick got coverage for 30 days. Ended up paying and extra almost 300$ that trupanion wouldn’t cover. Had worms needed to be seen twice and I’m paying out of pocket even though she’s covered and my claims keep getting denied , almost instantly so it’s obvious that it’s a computer generated decision. What a joke .
Insurer: Trupanion
By: Adopted
The app tracking feels highly invasive.
The app tracking feels highly invasive.
Insurer: Sonnet
By: Nicole DAlessandro
Agent was helpful and explained…
Agent was helpful and explained everything well
Insurer: Nationwide
By: Sharon Kaye Williamson
I cannot say enough good things about…
I cannot say enough good things about Trupanion. It quite literally saved my dog’s life. Out of nowhere, our Siberian husky, Chuck, developed a spontaneous pneumothorax. One minute everything was normal, and the next we were rushing to the emergency vet, facing critical decisions and overwhelming costs. Because we had insurance, we were able to say “yes” to everything he needed—emergency care, imaging, hospitalization, and ongoing treatment, without hesitation. That peace of mind in such a frightening moment is something I will never take for granted. The claims process was straightforward, the hospital worked directly with Trupanion to determine coverage and y deductible. It was so helpful to not have to worry about this piece during an incredibly stressful time. Today, our Chucky boy is happy, healthy and back to singing the song of his people. If you’re on the fence about pet insurance, this is your sign. You hope you’ll never need it—but when you do, it can mean everything!
Insurer: Trupanion
By: Laura Norris