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Refused Claim
Our 3 month old puppy had an episode of a possible seizure. The vet could not be sure what happened, but we thought we were going to lose her. The vet put her on an IV, gave her oxygen, did a blood test and dexamethazone injection. She stayed at the vet for 4 hours and she recovered. The cost totaled $578.85. We filed an insurance claim with Trupanion and provided the vet invoice along with the blood test analysis. Trupanion requested vet notes. We provided what notes existed and Trupanion denied the claim, they felt what was provided was not sufficient. I then called Trupanion to cancel the insurance. They extended my monthly payment due date to resolve the issue. Never heard from them and the extension passed and they charged me another month premium. I called again, for the fourth time and demanded they cancel the policy as they continued to try to stretch it out. Trupanion is unethical and not a business I would ever do business with. This was a totally legitimate claim and they kept saying they needed vet notes which I repeatedly told them they didn't exist. It is just their way of denying the claim.
Insurer: Trupanion
By: Ray
Don’t bother with MetLife pet insurance
I submitted a claim 3 weeks ago and they finally just got back to me today and denied my claim. My dog got started on a medication while on the insurance for joint pain. I tried to submit it to get some money back as it is an expensive medication. They denied it because the pet had to of had pain prior to that visit. Anything prior to that visit wasn’t covered under my insurance then it had to be a pre existing condition. So they won’t pay for the pills because they are just assuming she was in pain prior to that visit. Pretty shady if you ask me. Because I just started noticing that day she was walking weird. But I guess they can assume anything to get out of paying of course. Oh if you want to submit an appeal to get the claim reprocessed again, you have to have your vet fill out the form and send it back to the insurance company. Idk about you but I live in a very rural location and my vet covers 3 different small towns. So for him to take time out of his day to just fill out a form that will probably get denied again is a waist of his time and mine. Also got told on the phone by customer service claims (as an example) - explained that a ACL tear also can be counted as a chronic pre existing condition because the muscle can break down over time. There for that would have started before insurance. So they are really weaseling through the fine print. Sad to say health insurance insurance is better than this and that ain’t saying much.
Insurer: MetLife
By: Sue
great pet insurance
I have been using Embrace pet insurance company for over 3 years now. So far it has been great. No major issues and no huge increases on premiums. Website portal is very easy to use and the times I have called for questions/ issues I have been able to resolve it without delay.
Insurer: Embrace
By: selma ocasio
The customer service was incredible!
The customer service was incredible!
Insurer: Pumpkin
By: customer
This company is amazing
This company is amazing! No hassle claims and affordable premiums. Unfortunately for me I have had several claims to process due to several incidences with my dog but fortunately for me I have manypets to back me up. I have never had any trouble with reimbursement and they are very very quick about getting it done. 6 stars out of 5.
Insurer: ManyPets
By: Brandon Valentine
Amanda was very very helpful
Amanda was very very helpful. Very courtesy she want me through all the steps she let me know what would be best for my budget and she showed me everything that would be the discount not only my discount with my deduction would be and be one time deduction she was very helpful. She explained everything to me, I only want deal with her when I call 🙏🏽
Insurer: Fetch
By: TIMOTHY L GRAY
Healthy Paws Insurance is great
Healthy Paws Insurance is great, everything is so easy to use, very fast to submit claims, and fast turnaround and payment of claims. In addition they have excellent and caring customer service. Every time we have submitted a claim for an emergency event, they have reached out asking about the welfare of our pet, it’s just a very kind gesture.
Insurer: Healthy Paws
By: Kaiju
Website makes it very easy to submit a…
Website makes it very easy to submit a claim. Spacedog is also super cute.
Insurer: Embrace
By: JT
Sick cat
My cat was severely ill requiring multiple vet visits followed by a 3 day hospitalization. The claims process was super easy and reimbursements were provided within a couple of days. So glad I got pet insurance for times like this.
Insurer: Embrace
By: Glenn Brietzke
One of the few that insures senior…
One of the few that insures senior dogs. So grateful for this company to not to have to choose between life or death for my fur baby due to medical costs. Claims are easy and payments are received in a timely manner straight into our bank account. It's a must for EVERY dog owner and Pets Best IS the BEST!
Insurer: Pets Best
By: mits