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Premium doubled in about one year!
Premium doubled in about one year. No letter, just an email that could (and did) end up in the bin. Shame on this company for squeezing pennies out of struggling families in these difficult times.
Insurer: MetLife
By: jean
Technology and Ships
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Misleading practice
If your let has anything at all age related, they will deny any accidents as pre existing.
Insurer: Pets Best
By: David
Great coverage and service
fast, efficient and great service/coverage
Insurer: Embrace
By: denise
This insurance is a nightmare
This insurance is a nightmare. They never payed off their part, always looked for reasons to deny even though I was with them for 2 years since I got my dog as a 7 week old pup. Spent so much energy appealing every decision, involved my vet who wrote letters of explanations. Now I am done. Canceled the subscription and will never go back there again. I do not recommend getting involved with them even though USAA recommends them. Embrace is terrible, the worst!
Insurer: Embrace
By: Dinkleboo
Claim Success!
My first time using the claim system was so easy! I uploaded months of claims and within a week, my funds were deposited. Thank you Pets Best!
fast and effecient
I was on the fence about getting Pet Insurance but I'm so glad I did and I very happy with MetPet. The process to file a claim was fast and easy and the approval process was also relatively quick.
The online claim process is simple and…
The online claim process is simple and efficient. The turn around time on claim processing was completed within 24 hours.
Insurer: Embrace
By: Danny Tinsley
HUGE Annual Increases-Per Diagnosis Deductibles-No App Now
When I got this insurance 3 years ago I'd seen my boss have it and it only went up a few dollars. After I got it, it went from $175 to $290 a month. I increased my per diagnosis deductible to lower costs, then the next year it went from $242 to $389 a month! Like what the actual F? With that and the ridiculous per diagnosis deductible, I can't even afford to take him to the vet. Yes, they will pay the vet directly, but other than specialists and emergency, I have yet to find a vet that uses their software. I got the insurance specifically because they always charge at the age you sign them up, supposedly to keep it from increasing as they age, but mine has increased like crazy. It's much more than I paid with my last dog whose policy went up yearly as he aged. I also chose them because they pay directly, but many vets don't do that. I pay extra for coverage that's standard with most companies. With my last dog I had Healthy Paws which had a 90% reimbursement and a $100 annual deductible. I never had any issues with them and if it was a scheduled procedure, they would pay the vet directly. I left them with my new dog to avoid the annual increases, but I got screwed because trupanion has increased more than my other policy did and I had that one for around 8 years until my boy died. Now I feel like I'm stuck because anything he's been seen for or anything even mentioned, whether he had that issue or not, will be considered pre-existing. My renewal is coming up in October, and I'm terrified. All of my friends that get pets come to me for help getting insurance, and I do not even look at trupanion. The one friend in the beginning that did sign up switched when they sent her overpriced renewal notice. I'll just say, I've never had an issue getting paid, but I never once had an issue with Healthy Paws either, and it's much better paying an annual deductible than paying one every time you go to the vet for something new. That's also how they get you...if you go in for something you already paid the deductible on and they find a new issue, trupanion will make you pay a new deductible even though you already satisfied it for the reason you scheduled the visit. I have two other dogs, and they do not have trupanion. I'd be homeless if all my dogs were with them. There are so many companies that cost so much less and cover the same stuff and even more, like exam fees. If they don't do something soon, they will continue to lose people. Just for fun I priced our new dog, and trupanion cost three times more for less coverage that the other companies I looked at. They wanted $389 a month while others cost $98-$140, paid out 90%, and covered exam fees and acupuncture, etc without having to pay an extra monthly fee. DO BETTER! Stop lining your pockets with people's per diagnosis deductibles. You are literally the only company doing this. On top of that, there's not even a working app now? I just got my renewal and it's gone up 48%. Bye bye Trupanion. Spot is $146 with a $100 annual deductible and 90% reimbursement. I've set up 4 friends with them.
Insurer: Trupanion
By: Michele Langley
I got a discount for 2 dogs
I got a discount for 2 dogs, I got an instant refund (within 48 hrs of submitting my invoice), it costs less and I get more coverage than some other pet insurance that is available.
Insurer: Pumpkin
By: Dawnie