Stay away, run
Very first claim, was sent an email after an extended period of time, stating that my veterinarian had not provided the past one years worth of records. Before I could respond, within two or three days, I received an email with a denial on my claim
Tried contacting customer service, and actually speaking with a human. Was then told that I needed to go secure all of my prior records for my pet from other veterinarians and scan and/or email to PetsBest.
Seems like all the work is on the customer, the insurance company, simply taking your premiums and making random denials.
I’ll jump through hoops this time, but if I get denial on something clearly covered. I’ll drop this insurance company like a bad habit. .
- INSURER:
Pets Best
- POSTED: 09/18/2023
- BY: John
- BREED: Shih Tzu
- AGE OF PET: 7 - 10
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Starts out great, then "wham!" -- they jack the rates up by 30 - 40% annually even if you never use the policy
I had this insurance for one year. I was able to benefit from some signup discounts. I enrolled my dog at 11 weeks of age. He was healthy and I submitted zero claims for accident/illness over the year. The wellness plan is basically a holding account; you pay a certain amount that they hold for you and give you your own money back for qualifying wellness expenses as you incur and submit "claims" (it functions like an HSA, Health Savings Account). When it came time to renew my policy, despite the fact that I submitted zero claims for accident or illness, they told me that I could expect a 30 - 40% increase in the cost of coverage EVERY YEAR, regardless of whether or not I use the policy. They embrace your money, and keep on squeezing. While rising costs is an issue for all types of insurers, some carriers do not systematically raise rates annually (and by such a whopping percentage that is way higher than the rate of inflation). Some offer discounts and incentives if you wind up not using the policy. I'm going to try somebody else who won't squeeze me like a boa constrictor.
- INSURER:
Embrace
- POSTED: 09/11/2023
- BY: Lisa
- BREED: French Bulldog
- AGE OF PET: 0 - 3
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Insurance that cares & pays... no yearly deductibles!!!!!
Trupanion stood by me when I lost my first Boxer 3 years ago I don't know what I would've done without them by my side. I've referred countless people even strangers to Trupanion and I know of some that signed on and have been just as happy as myself. Not too long ago. There was a story on the today show that was a terrible miss representation of Trupanion. The person they interviewed spoke of and experience with Trupanion that's totally foreign to myself and others that I have recommended to Trupanion. It really upset me because I know how people believe things I see on TV and I just hope and pray that people did their homework before son gone with another insurance company for their pet, if there's one thing that I would change about Trupanion and is the only thing that I would change it's that if they had a credit card top payment for upfront bill to pay the veterinarian so I didn't have to come up with money on the spot I know only one other pet insurance that does that there are other rates are much higher though, because you pay a yearly deductible instead of a per illness deductible for the lifetime of your pet sometimes it is hard to come up with thousands of dollars but I would never stray from Trupanion. In closing I will just say everyone I've ever spoke to that represents Trupanion on the phone has been so kind so patient and always ask about my pet and how he's doing. That's the one I lost and my current boxer I love Trupanion. 🩷
- INSURER:
Trupanion
- VETERINARIAN:
Cherry Point
- POSTED: 09/08/2023
- BY: kellie
- BREED: Boxer
- AGE OF PET: 4 - 6
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Great Company
Our Fig required knee surgery costing over $3000. After surgery, we submitted our claim to Healthy Paws. The process was so easy. In about a weeks time, we had a check allowing us to concentrate on caring for our sweet girl instead of worrying about a huge vet bill.
The company even sent an email inquiring about Fig's recovery. It was so comforting to have Healthy Paws as Fig's health partner!
- INSURER:
Healthy Paws
- VETERINARIAN:
Shelby Center Hospital for Animals
- POSTED: 08/27/2023
- BY: Linda
- BREED: Mixed Breed Medium (20lb - 70lb)
- AGE OF PET: 4 - 6
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Becca Insurance
I have had the Sam insurance for 1 years Fetch is tops They have paid my insurance by the policy rules an I appreciate that you always know what to expect from them My pet has had lot of Medical problems in the past year Thanks to Fetch she has had the best care no questions ask I don't ask for any thing my policy says is not covered I can't ask any more from them Thank You Fetch plan
- INSURER:
Fetch
- VETERINARIAN:
Cherry Point
- POSTED: 08/24/2023
- BY: Wanda
- BREED: Schnauzer - Miniature
- AGE OF PET: 7 - 10
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False Information
I spoke with a representative before starting my account and directly asked if any future bloodwork, allergy shots, and ear infections would be covered under my policy. I was concerned because while my dog did not have any conditions at the time, she had previously had issues with allergies. My vet confirmed that she was healthy at the time of starting my policy. I was explicitly told all of that would be covered under my plan. When I submitted a claim for bloodwork due to my dog’s odd behavior and allergy shots for a rash she was exhibiting, both were denied. After talking to a customer service representative, she claimed that since my dog had an ear infection previously, all allergy related issues would be counted as prior conditions. She also said that bloodwork was not covered even though the representative originally told me it would be. I had heard rumors of Pets Best being a scam, but I decided to trust the representative anyway. This experience definitely verified these rumors.
- INSURER:
Pets Best
- POSTED: 08/23/2023
- BY: Madison
- BREED: Mixed Breed Small (Up to 22lb)
- AGE OF PET: 0 - 3
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A great company even better with Care Credit
I had the protection of this company's coverage 2020- 2023. They were very good with claims, though you could never speak to claims dept. directly. Filing a claim couldn't be easier. You just snap a photo of your paid invoice, answer.
A few simple questions, when, where & what for and submit.
They did have a feature that provided a turnaround time frame for a claim each time you filed, but I think that feature disappeared. That was disappointing. My Herbie cat was well cared for due to this insurance company. Even better after I got Care Credit in conjunction with the coverage. Cause the insurance company reimburses you after you submit a paid invoice. With Care Credit, they pay upfront and you can pay them back when the claim is completed by PETS BEST. I would definitely recommend this company in conjunction with Care Credit. It's an awesome way to provide necessary & needed care immediately, without worrying about the costs. Thank you for the coverage & service.
- INSURER:
Pets Best
- POSTED: 08/23/2023
- BY: Clyde
- BREED: American Shorthair
- AGE OF PET: Over 11 years
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The team is always professional courteous and efficient.
The team is always professional, courteous and efficient.
- INSURER:
Trupanion
- POSTED: 06/08/2023
- BY: David
- BREED: Shetland Sheepdog
- AGE OF PET: 7 - 10
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Fix the app
Great besides the app glitches.
- INSURER:
Trupanion
- POSTED: 06/06/2023
- BY: Mikayla
- BREED: Mixed breed
- AGE OF PET: 0 - 3
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Peace of Mind for Dog Parents
Claims service is back on track. Submitted on-line, approved and processed in a timely manner!
- INSURER:
Trupanion
- POSTED: 06/05/2023
- BY: Robin
- BREED:
- AGE OF PET: 0 - 3
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