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I have had this insurance for nearly 15…
I have had this insurance for nearly 15 years on my dogs. The experiences I have had over that time with ASPCA have been disappointing. Which honestly, is quite an understatement. When I knew I was in trouble was when they would not cover my girls double patella surgery. They kept insisting she was a purebred because that breed was prone to that, they don't cover it. She was not. Once that was fixed, then they said they wanted the last 2 years of her medical records. I did that. Then they dug deeper from my vet and found from when she was a little puppy, that a vet said she thought she had weak patellas and to keep an eye on it. BAM, that's all they wanted and my surgery was not covered. That was AFTER I was told they only go back 2 years. I appealed and lost. Then both my dogs ended up with liver issues later and need liver medication for the rest of their life, or they will die. They wouldn't cover it because the medicine is a supplement. And the icing on the cake? They both had Cushings (one passed on now) which is a lifelong disease. I knew I needed help with this! And I have the Continuing Care policy as well. Here is the horrible thing. You have a "lifelong" limit. Mine is over, so now I'm paying out of pocket for her expenses on her Cushings and anything that goes with it. Along with all her liver meds. I've almost hit the maximum on the whole policy, so why keep paying for something I can't use. I'm so disappointed and wish I would have done things differently. My dogs were siblings and had many of the same health issues, which was unfortunate for me, but my one girl, despite that, is going strong at 15!
Insurer: ASPCA
By: Barb Potter
BE AWARE:Tricky reimbursement rules
I have had my dog, Iggy insured with health insurance with Pet Plan/ Fetch by the Dodo for over 10 years. I had never filed a claim until last year. My premium started at around $200.00 ( year 1) to now $1300.00, which is to be expected because of Iggy' age. I purchased it with a $450.00 Deductible at with a 20% co insurance. I sent the proper information to them and they agreed to pay. Recently I made a new claim for an ER visit for a Paw issue. My 13 1/2 year old Labradoodle could not walk.The Vet visit went well. The bill was for $596.63, the agreed to pay $27.30. PLEASE BE AWARE OF HOW THEY COMPUTE HOW THEY PAY A CLAIM. The 20% Co pay is on the whole amount EVEN the amount of the deductible (in my case $450.00), the funds they would never pay in the first place. They are considering that deductible amount in the final payment. Like as if they paid from it. MOST human health insurance policies pay at a full reimbursement rate in my case $450.00 AFTER the deductible. Claim amt: $596.63 Deductible: $450.00 Total: $146.63 80% reimbursement $117.31 $117.31 vs. $27.30 Now if Iggy has to go back for the same issue they will pay on all new dollars spent @ 80%. Just be aware on small claims they go out of their way to pay smaller. They are a Closely owned private company. They could change this easily. This insurance will serve you on the larger claims. If you read in their response they stated: Pet insurance is not the same as human health insurance. THAT STATEMENT IS FALSE. However, it is true for Fetch by the Dodo insurance. There are some pet insurance companies that treat your pet just like a human. I consider IGGY as important as any human in my life.
Insurer: Fetch
By: Wesley Radwan
Has been using for over one year
Has been using for over one year. Easy claim no bs. Need full documents the first time.
Insurer: ManyPets
By: Mingzhu Shi
First claim
Very pleased that I chose MetLife to cover our dog. The only problem I had was because I didn't initially watch the instructions they gave. Claim review and payment went quickly.
Insurer: MetLife
By: Susan
Excellent insurance
We have had this insurance since we adopted our pup at 8 weeks old. Insurance has always covered everything they said the would without hesitation. Their app is easy to use and they send payments quickly. I’ve recommended them to family and friends.
Insurer: ASPCA
By: Vasuki
The very best!
We have had Trupanion as an insurance provider for our Wheaten dogs nearly 25 years and Trupanion has always responded with the greatest financial support and service. We are living with our 4th dog and each has received the same level of support!. I would and do always strongly suggest to friends that they protect their pets with Trupanion. It’s the best lifesaver that owners will ever get for their companions!
Insurer: Trupanion
By: Donne
This process is speedy and easy to…
This process is speedy and easy to navigate.
Insurer: Embrace
By: Tori Castrejon
Happy with my quote price, but they did not take the fund when they requested
I was happy with my car insurance quote. I even enjoyed the customer service what I did not enjoy was sonnett not taking the payment when it was due. First saying that my payment way declined, which is impossible as i had and have the fund in my account. I was emailed to rectify in 3days, so i quickly changed my debit visa to my direct withdraw from my accoun. I have yet to have the funds taken from my account, and am disappointed in this delay as i have the funds awaiting in my account. I understand mistakes happen, buy would prefer if this does not happen next month. Thank you. Appreciate your service of insurance
Insurer: Sonnet
By: K H
Excellent Customer service
Very easy to submit invoices and Claim documents and with direct deposit option to have funds reimbursed to personal account.. in a timely manner...
Insurer: Embrace
By: Ronald Reader
the website is so easy to use
the website is so easy to use, to find information and to file a claim! the customer service staff is so very caring and helpful and knowledgeable! There is so much to appreciate about this insurance company!
Insurer: ASPCA
By: KATIE Hanvy