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New puppy. Everything goes in the mouth - despite being crated and watched like a hawk. Well, something hurt her delicate little GI tract and she had fluids coming out of both ends (when she wasn’t eating grass to stop tummy ache). An emergency hospital visit and 4 days later the vet bills were over $5,000! Thank goodness I had MetLife insurance! Once I submitted a claim on line and uploaded documents (a breeze) they paid nearly all of my bills, allowing me to eat again. I’ve had other pet insurance over the years, and MetLife far exceeds my experiences with the previous companies.

Thank you for the quick and easy submission of our claim. It was so easy and we got our reimbursement within a few days. Highly recommended

Each year, the insurance rate increases substantially to the point where I may not be able to afford it. I know I do not get as much back in reimbursement as the insurance cost me, but I am seriously considering just putting the payments into a savings account so if she does need more expensive procedures, I will have the money to pay it. I pay insurance for myself, which does not increase with my age as hers does, so would like to continue to insure my pet, but am not sure I can afford that.

I purchased insurance for my new puppy from Petplan pet insurance. It was simple to use and they resolved my one issue quickly. Then they became Fetch by the Dodo, and I have indeed had to fetch for any assistance and feel like a dodo. Trying to submit a claim or even just log in to my account has been a bad dream. They have never been able to give me a password that would continue to work. Not long after they became Fetch my pet had his first seizure. They pay for nothing else, but they have paid 70% of his monthly medication after we run up our yearly deductible. For several years, I have fought each month to submit the same claim, for the same amount, the day after I pick up the prescription at the vets. A few weeks later I get get an email saying they are sorry about the delay that my claim is still in review. Eventually after months of a notices that I received a notice that I had not yet met my deductible. Then two or three payments, and the new year cycle begins again. A few years ago they refused to pay one month claiming that they had not received the claim with in the proper time frame. At that time there were still paper claims forms, and I had submitted that claim on both paper and through the new app, the day after the vet appointment. As instructed, I sent a dispute to main office. They have never replied. The app rejects me, I makes calls, each agent assures me that my password is straightened out. This month when I had finally reach the second payment for the year that gave me a notice that my claim was denied. Their reason was that I had no pet insured at their insurance company. A phone call gave me a person who explained that the account was closed. For whatever reason they had closed the account, they still owed me the payment for that claim. They had taken my payments and were under contract to pay. I was passed upline to an agent who said I had closed the account because the dog was dead. Explaining that the dog was sitting right beside me and we had not closed the account, I was transferred to a supervisor who came on the phone with, "My condolences on Charlie's death." She put me on hold for a while. She then explained that to get the payment due me, I would have to pay to reinstate my policy, and then trust them to send to a payment.

The hidden way that 10% is applied to the deductible effectively profiting Trupanion and making the deductible higher while also intentionally taking claims out of order so they pay less is morally, ethically wrong and this is an awful company. Do not use them.

Easy submissions and no hassle

My dog was showing neurological symptoms and was ultimately diagnosed with a brain disease. Obviously I was stressed as we went through all the tests and different medications to get him healthy, and Healthy Paws filing system was so quick and easy to use. Claims got approved within days, reimbursements were here quickly, and it was such a weight off my shoulders to know I didn't have to battle my insurance company and could focus my energy on helping my dog feel better. I cannot recommend Healthy Paws enough, they have been amazing.

We got Embrace for our dog as pet insurance. It was difficult to contact them for account changes and it took a long time for our claims to get processed and denied. My husband and I both tried to add me to the account several times but they never responded to our request. Every claim we requested was denied coverage because it didn’t fall into a very specific series of requirements. After we moved states, they upped the price to $300 per month (!!!) without obtaining a confirmation that we were okay paying that rate and they still denied our claims. They work very hard at reviewing records to find ways to not reimburse you. We have spent thousands of dollars for coverage with $0 reimbursed. I’m in the medical field and the logic they’ve used to deny our claims would not fly for human beings. However, they get away with it by simply not being responsive to emails and inquiries. Again, I work in the medical field and this is the worst type of insurance that I’ve had to deal with.

I have never had to file a claim. I should have done one. But covid just hit I got sick and couldn't get claim in. All and all you all have been great about questions and such.. thanks so much

I love Lemonade insurance. I’ve been using them for more than two years and have never ran into any issues with them. Their customer service reps get back to you in a timely manner and their claims are processed super quick.