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Metlife is the only worthwhile insurance.
I did extensive research before selecting pet insurance. My pup usually needs an annual teeth cleaning, which is rather expensive, so I was looking for something that provides worthwhile coverage and helps offset that expense. Metlife was the only one that did. When looking at pet insurance options, I generally found three options. - Option A: Basic pet insurance with no preventative care. This is the cheapest option, but the most limited coverage. It mainly only kicks in to cover emergency visits, treatments, and medications. - Option B: Most providers offer some kind of upgraded plan that includes "preventative care". This is what I was looking for. But everywhere else, these policies had so many exclusions that it felt like it was carving out half of what I'd want covered. Some specifically excluded dental care, others excluded routine veterinary care. The most consistent thing this covered was flea/tick/heartworm medication. - Option C: Metlife was the best of both worlds. On the upgraded "preventative care" plan, they say they cover anything recommended by your veterinarian to care for your pet. And they mean it! They've covered her regular preventative meds, her teeth cleaning, prescription diet, and more. The only thing they don't cover is pre-existing conditions. I see a few negative reviews about them not covering things that the client didn't provide documentation for...personally, I've never had that problem. I generally submit my documentation as soon as I get it from my vet. It takes a week or two to process, but they've never refused to pay a claim that I've documented. Hold up your end of the deal and Metlife will hold up theirs. I have friends with pet insurance or similar plans and I've never heard anyone describe their coverage as so great. It's a little bit expensive, sure, but after everything they cover, I pretty much break even every time. I might even save money. I'm so happy I found Metlife, and unless things change, I'll likely keep my policy with them for as long as I have a pet.
Rep (Steffi) was great.
Rep (Steffi) was great.
Insurer: Prudent Pet
By: John
Timely
Timely, efficient and fair treatment of claims, with informative communications. Excellent job.
Insurer: Spot
By: Randy Engel
Easy to fill out and has a quick turn around time
The claim was easy to fill out.
Insurer: Spot
By: Ana Lepe
Easy claim process
Easy claim process, and a fair outcome with no back and forth.
Insurer: Pumpkin
By: customer
I called and was assisted by Samantha…
I called and was assisted by Samantha J. who was very helpful, patient, and sympathetic to my situation. She knew I was in great distress and helped with good information.
Insurer: Fetch
By: Brad Lee Axelrod
Insurance gives you peace of mind
Excellent experience claiming for my dogs accident. Very positive. So thankful I had this insurance
Insurer: Pumpkin
By: Lis Schafer
My First Claim
Just put in my first claim after recently choosing Pumpkin for my pet insurance. They said they would pay my dog's puppy shots even if they were before I subscribed. They honored the claim as advertised. I am very impressed and happy with my choice to go with Pumpkin.
Insurer: Pumpkin
By: Cathy L
I tell everyone how grateful I am for Trupanion. My goldendoodle came from his breeder…
My goldendoodle came from his breeder with Trupanion and I decided to keep it and not add him on to a policy I have with my two other dogs. The difference between Trupanion and the other insurance, which is not very supportive with lengthy and minimal reimbursement, is like apples and oranges. At one year old my doodle became ill with a renal infection which has become stubborn, and Trupanion came to my financial rescue, and peace of mind knowing I could go forward with treatment. Anyone reading this, and getting a furry family addition, do get insurance. One of my Vets works directly with Trupanion's portal, and I leave paying only my share. Otherwise it is painless to submit your invoice on the computer with rapid reimbursement. Trupanion, thank you !
Insurer: Trupanion
By: Barb