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Beware of MetLife!
I adopted my cat 11/28/23 from a shelter. I signed up for pet insurance for her at the shelter. The shelter provided all information and there was a clean bill of health and no pre-existing condition which was provided to MetLife Pet Insurance. The cat developed gas and diarrhea a little while after adoption. Pet insurance clearly states that is active immediately there is no waiting period. I hit my deductible I submitted my claims and sure enough they denied me. They claim she has a pre-existing condition because it started shortly after adoption. That is not a pre-existing condition it's a condition that arose after I adopted her and now they are claiming I have to go through an appeal process which can take upwards of 45 days. People get insurance for a reason for emergencies when they need it so they are covered. Clearly they are a company who does not stand by their word that claims your pet is insured from the moment you get the plan unless it's a pre-existing condition which there is absolutely no documentation of such prior to signing up for the plan. What happens if you can't afford the test your pet dies you have to get a lawyer and pursue this legally? I noticed they don't have a spot to put reviews on their website only the shining ones that they post. I can see why that is. I would strongly suggest looking into another pet insurance company do not waste your time and your money for them to look for loopholes and not back up their plan.
Insurer: MetLife
By: Kristen
Trupanion
Trupanion is just a caring, upstanding company who puts animals first. Our dog Max has cancer and we really couldn't of done it without having an insurance company like Trupanion whose dedication hard work is most certainly what our Max and ourselves needs.
Insurer: Trupanion Canada
By: Diane
I was supposed to get 90% back that’s…
I was supposed to get 90% back that’s what I pay for and I did not even get half of what I was supposed to get back. Terrible service.
Insurer: ASPCA
By: felicia kobernik
Good insurance but have to almost always appeal my claims
I like Figo because is easy to submit claims and update my dog’s coverage. Every time I call I get someone in the phone as well. My only problem is that every time I submit a claim I always have to appeal as many of my dogs claims do not get pay and it takes more time and work to get them fix. Overall my experience has being ok but I feel it could be better.
Insurer: Figo
By: Danna
Fetch🤥
I have three pets all are seniors. I called Fetch late December asking if my pets claims were in normal limits and would remain the same . I was told yes. Wrong . I received two renewals . For no reason at all and no warning fetch by the dodo decided to downgrade Mischi's policy. Her policy is now unusable and not cost-effective thus leaving her without insurance. She has had no major illnesses or issues and has had the same amount of visits by the acupuncturist for several years why all of a sudden the underwriters decide to downgrade her I do not know. This is the second time that fetch by the dodo has done me wrong. I had one dog who is deceased I had unlimited coverage until I used it then they downgraded me and made her insurance unusable. Called agent and told basically suck it up.b$500/70% and 25,000 annual limit per condition isnt cost effective . Would have been nice if I got a heads up . No just congrats for the downgrade. My 2 older dogs I pay 8000 a year Fetch doesn't care . .b
Insurer: Fetch
By: Lori Janow
I have not once been dissatisfied with…
I have not once been dissatisfied with the decision to switch to Embrace from Trupanion.
Insurer: Embrace
By: Asia Love
I like the company but it takes way…
I like the company but it takes way longer to process a claim than you said it did!
Insurer: Spot
By: Jamie Roberts
Quick and responsive
Quick and responsive through the claim process
Insurer: Figo
By: Meghan
Spot is a really good pet insurance
was very helpful and trusting
Insurer: Spot
By: Jade Blake