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I had four Senior dogs. I started out with an annual deductible but for some reason it turned into a per condition deductible after underwriters were changed I complained but I let it go. Then one of my babies was misdiagnosed and it took three vets to figure out that she had a tumor on her spleen which was taken out and fetch did pay all the claims which I was grateful for because I had unlimited annual limit so I felt comfortable with submitting claims. When renewal arrived Tinker's policy was downgraded by 50%. No longer did I have unlimited I had a $15,000 annual limit $500 per condition deductible and only 70% reimbursement. No explanation just a congratulations your policy has been renewed but changed .Tinker died 2 months later.After tinker's death I have been very careful about putting claims and nervous every time renewal comes around .So this year I decided to only put claims in for regular chronic treatments acupuncture and cold lazer and nothing else. I emailed fetch eight times during the year asking if I was within the limits and if they could tell me the formula for downgrading -no response. So I called up December 11th and spoke personally to an agent asking them to look at the three policies I was told by the agent that all the policies were good and that there would be no changes for renewal I did not have to worry or consider downgrading their policies myself which I would have done to avoid downgrading. I was relieved , however; January 16th came around and I received an email and lo and behold one of my pups policies was downgraded! Once again congratulations but no explanation and a number to call if I wanted to discuss my options the number was an auto nation's parts department number! I called the next day and was told matter of factly suck it up or cancel the policy there was nothing that can be done there was no financial ombudsman to call or speak to no review department nothing. I asked to speak to supervisor and I inquired the chances of her policy being downgraded even more if I use it like I used it 2023 he told me he did not know that was not his department but yet he was the supervisor .He kept on repeating cost to loss ratio her premiums were low that's why she was downgraded thing I can do. But we kept the $25,000 limit annual limit which means nothing because if I use it they will downgrade me. I had unlimited on tinker and I was still downgraded so they are annual limits mean nothing. Her premiums are now even lower than they were before so the risk of downgrading is even greater if I use the strategy I used last year of just using it for acupuncture and cold laser. So I am warning pet parents if you use the insurance for claims to save your dogs or cats life be prepared that next year your policy is going to be double or quadruple like it was mine or be downgraded.I paid almost $11,000 last year for pet insurance for my three dogs who I love with all my heart and I was rewarded by a kick in the butt. Oh yes! They did renew my two older dogs because I pay $4,000 each for them. But that's no promise that next year if I use it they will downgrade them too when they need it the most.

I have had Pets Plus Us for my last 2 dogs. They have been very easy to contact by phone or email. The response is very fast. I submit my claims on line and hear back within 48 hours. I highly recommend Pets Plus Us for Pet Insurnace.

I was incredibly frustrated recently due to seeing my premium rise in cost in rapid succession, especially after moving to Ft Lauderdale. I never thought my pet insurance would reach car payment status, and I’ve been a loyal customer since 2017. I want to love TRUPANION and they recently did pay a good portion of my last vet bill, but I honestly have no other insurance company to compare it to, and I think all pet owners would pretty much do anything for their pets. I believe the real reason of rising premiums is the amount of people that have recently become pet owners due to Covid, and they’re taking advantage because they know people have no choice but to have the insurance, and if that’s the case, why not boost the price while we’re at it because we have to pay more people to process your insurance money. With all that being said, TRUPANION is by far one of the easiest companies to work with, the least hassle I’ve ever had with claims processing and responses from any company, and they have covered a good portion of my claim requests considering my pet has chronic ear infections and bad allergies. I would definitely recommend TRUPANION due to the coverage, but I’d definitely make sure it fits your budget, because they don’t tell you when they’re raising the cost of your premiums, they just do it!

Your pet is your special best friend ! And you want him to be in good health but sometimes they get sick/accident and you don't know what it's wrong so you take your little friend to the Vétérinaire ! So, the costs for the exams and x-rays and so on, can be very expensive! That's when the time to get insurance for your little puppy and I tell you by experience that "you should " for the inconditionnel love of him or her!! Now, I would like to thank the team from my 'hôpital Vétérinaire Trifluvien' , you're amazing people with courtesy, humanity and professionalism ! ! Thanks for taking very good care of my two babies Doodles Matthew and Janis ! ! And I can't forget my insurance "Trupanion" for being so understandable, you're such an important issue when something was or is wrong with my two little friends!! So I highly recommend that whoever is reading this and have pets, get insured for the love of them!! Et voilà un gros Merci ! Francine, Matthew et Janis !

Submitted a claim for an emergency clinic visit for our 8 month old puppy, which was pretty concerning and traumatic. Claim submitted with all documentation on monday, and was processed and paid by direct deposit on Friday. Impressive service. Thanks.

I always thought that insurance was not necessary for my dog but still went on the internet to get a quote and compare different insurances available, while doing the research I found petsplusus to be the one that was best for my pet. Within a couple of getting insurance my fur baby was attacked viciously by a big door and had her whole jaw open. I have never been more grateful that I did the right thing. After getting her surgery, I put in the claim and within a couple of days my claim was reimbursed without any delay or any questions. I am happy that I went with the best and would definitely recommend every pet owner the importance of having insurance for their baby and also to go with perplusus.

My experiences with MetLife in terms of both claim payment and of customer care are commendable! I felt that the capable and relatable team members like Jana have the best interests of my pets and myself at heart. The claims process is convenient and timely. Also, after the review., The communication is excellent. I am grateful and confident with MetLife, after having tried to other pet insurance companies. It wasn’t that I had problems with my previous comp, but that Metlife offered a family policy. When we satisfy our deductible, it applies to my two other pets visits. This is greatly appreciated. That life focuses on my Pets interests!

Trupanion is absolutely the BEST pet insurance ! My dog is diabetic and they cover 90% of his meds and special treatments and veterinary services . Sometimes, most times , they text me what they’ve covered and how much , before I even leave the parking lot ! I appreciate their promptness and courtesy !!! Great pet insurance !

The claim submission are easy, the turnaround time is lightning fast and the service whenever I call them is extremely helpful. I rave about pets plus us to anyone who will listen and will never go anywhere else for my pet insurance

The review form did not allow me to select reptiles as the pet. I had to select a dog/cat so this review is not about a dog, but reptiles. We have MetLife Pet Insurance for our savannah monitor and Chinese water dragon. MetLife Pet Insurance is incredibly easy to use and quick to reimburse. They are helpful when I needed guidance when starting the insurance. We have made multiple claims, all of which have gone smoothly. I highly recommend them.