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Pros and Cons
UPDATE: After leaving this review I received a call telling me how to appeal a claim which I will be doing. On another note my cat recently got Urinary crystals and had to goto a few emergency vet visits. He had this problem a few years ago and was cured of it and in remission for over a year now. I’m so relieved and grateful that spot stayed true to their policy and did not consider this a pre-existing condition. At this moment I feel the pros outweigh the cons and say I think they are worth giving a chance. ————————————————— I think this insurance is useless if you have an older pet. They should be more clear and upfront about that before people spend the money they need to pay their vet bills on this insurance. I got my cats dental cleaning done. I called Spot before time and asked if they covered this if my cat has dental disease. I was told yes - if the cleaning is for dental disease they will. I get the cleaning done and I wait a really long time to get my claim done. They reimburse me nothing. I call and ask why and I’m told that it’s a Pre-existing condition. I’m very confused now because this is the first time I’ve ever been told to clean my cats teeth. The lady on the phone sounds slightly judgmental and tells me stage 3 dental disease is incurable so it’s not covered. I called two more times. The last person I talked to was nicer, I asked if she can look through my cats medical records and tell me why it’s a pre-existing condition. It took her a really long time to look that she almost had to contact the claims adjusters. Finally she says in 2018 there is a note that says he has a little bit of tartar on his teeth. Literally all cats over the age of 1 years old have tartar. I wrote a strongly worded email to my vet asking why no one told me to get my cats teeth cleaned before. A few days ago my cat started having a medical emergency. I saw my vet and we talked about it and he tells me that stage 3 dental disease is curable and the cleaning is what cures it. He also thinks the insurance just is doing anything it can to not pay me. I’ve been out of work for 3 months and still paying for this insurance to make sure I can take care of my fur babies but I honestly think it’s hurting me more. I was so overwhelmed at the vet I started crying and my vet even covered a bit of my bill for me - more this insurance has done. I really wish I saved the money I used on this insurance because my cat is not doing well and the vet bills are pilling up. I’m worried they will not help me with any of these bills and by the time I find out I’ll have already wasted more money on them..
Insurer: Spot
By: Annamarie Carcione
Excellent service- highly recommend!
Lemonade was exceptional to deal with in my recent claims for two emergency vet visits for my dog. the claim was super easy to process and i received payments within a couple of hours. highly recommend Lemonade. great experience!
Service has gone downhill
Service has gone downhill. We have been a member since 2016 and have been happy recommending HealthyPaws to our friends and family. But recently, not only have premiums constantly been going up, but they have become unscrupulous! My recent claim was denied citing "preexisting condition," but my dog never had this condition years ago when we first signed up for a policy!
Insurer: Healthy Paws
By: Emj
Mis-interpretation of previous medical history
My son's cat, for whom I pay the insurance premium, was given a permanent exclusion with a diagnosis of anxiety which doesn't exist in his medical record. To make his visits to the veterinary clinic Fear Free, he was prescribed gabapentin to be given prior to veterinary visits. A letter of appeal was submitted by the prescribing veterinarian to explain the situation but this was not given any merit. Pre-visit gabapentin is a very common practice and should in no way be linked to a diagnosis of anxiety. I'm very disappointed by the interpretation of the medical records review and spent nearly an hour on the phone talking to staff at Embrace.
Insurer: Embrace
By: Lesli Groshong, DVM
Good service
Good service, though a lot of paperwork was needed for the first claim.
Insurer: Figo
By: Rose T.
Great experience
I was very pleased with the process of filing a claim. A very kind and helpful customer representatives. I was pleased with the reimbursement on Willows claims
Insurer: Pets Best
By: Patti Backman
Run Far and Fast From Fetch
Fetch Pet insurnace was a huge mistake. I don’t believe any of these shady pet insurnace review sites. They’re all bots or marketing ploys. The real company will deny all your claims. The real company will never talk to you as a real person. God hell you if you need to get customer service on the phone. Trust me DO NOT GET THIS they will treat you and your pet like trash
Insurer: Fetch
By: Kim
The friendly customer service
The friendly customer service
Insurer: Trupanion
By: Renee Prosser
Outstanding experience!!!
Super simple and straightforward!!!
Insurer: Trupanion
By: customer
Great Personnel
The person I spoke with on the phone was very friendly and you could tell that she loved animals.
Insurer: Trupanion
By: Rebecca Rhodes