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Submission was easy
Submission was easy. I’ll let you know how response is.
Insurer: Embrace
By: Lynn Allen
If there were zero stars to describe my…
If there were zero stars to describe my opinion of Trupanion that’s what I’d choose. In follow up to my last review, I was told by Trupanion customer service that they had no interest in any of my feedback. What was worse, while I was out of the country and my 3 huskies were under the care of a pet sitter, one of Trupanion’s managers cancelled my dogs’ insurance coverage without my request or permission! As I had no cell or internet service where I was staying I had no knowledge of this until we went to a nearby town. I spent time on my short 3 day vacation sending urgent emails and making an urgent long distance phone call to get the insurance reinstated immediately! What company cancels your insurance without your permission and while you are on vacation, away from your pets?!!! Disgraceful!! That was the most egregious of a string of sloppy and careless errors by Trupanion. Had I known this was how they operate I never would have bothered to sign my dogs up for this horrible company. I pay $273/month for coverage for 3 large dogs. Out of $900 of expenses for a claim on my dog, I have a $500 deductible, that leaves $400 of expenses, of which Trupanion covered $70. Great coverage eh? A waste of money. And a huge waste of my 2 hours on the phone with customer service and a manager. Find another pet insurance company. This one is not worth it.
Insurer: Trupanion Canada
By: Shelley Ball
Very Reasonably Priced
The ASPCA pet insurance is by far the most reasonably priced insurance that I found. The only drawback is that you can't change your due date. My husband and I are on social security so we have limited funds, especially by the end of the month. Had I realized that, I would have waited to apply for the insurance.
Insurer: ASPCA
By: Kellie Seefelt
Convenient service all online!
Convenient service all online! Quick response to claims! Great coverage!
Insurer: Pets Best
By: TIMOTHY BEAULIEU
I would like to start with the only…
I would like to start with the only thing that went correctly and that was Connie who was on the other end of the phone at Nationwide. She was AMAZING, sensitive and caring and got it done! Now for the reason I am leaving a review... I have one by one left Nationwide with my pack of dogs due to the poor quality of underwritten pet insurance. Perhaps over the some the things I will mention have improved, but my experience has been they they have not. It was all fine until I NEEDED insurance help with my best girl Addie. A young ENglish Cream Golden Retriever who came from BRED with HEART AKC accreditation as well as all her families genetic testing and clearances. She was bred which is not a covered benefit, only TRUPANION covers breeding expenses. When she went into labor she did not progress and I took her the ER Vet which was during COVID btw so things were also done differently. They did a C-section and discovered that my Addie only has 1 pup and it was stillborn. The vet called me and said I needed to spay her that sadly she genetically was born with only one kidney and it was very irregular in shape and size. I agreed. From there it all began ... She needed a lot of labs, a lot of medication and a lot of medical attention for the CHRONIC KIDNEY DISEASE that was causing her to have critical health issues. I wrote a detailed letter when submitting her invoices explaining that I knew they didn't cover breeding but this was not a breeding issue. The breading actually is how we found out she was in critical health. Her behavior and symptoms were all 100% normal! I sent in ALL the paperwork from the ER VET and our regular vet. Nationwide kept sending me letters asking for more info but they had ALL the info. Then they would ask for a couple more weeks to make a decision, Finally it was 6 months later and had enough! I had paid into them for YEARS with no claims on all my other pets and probably at least a year for Addie as well. I sent in a letter and told them if I didn't get a decision within 2 weeks I would file a complaint with the California Insurance Commissioner. Within 10 days I received a check for all the invoices I had submitted to begin with and all that I had filed after to a maximum of the benefit year which was $7500. In an 18 month time frame she had over $25k in medical bills to keep her healthy. She would have routine follow up and then her Creatinine would spike and she'd have to go to ICU for animals. We would get it down and she would act 100% herself again for months. So for the cost of about $56 a month I had only $15k paid out of the $25k in expenses! My fault for not reading the policy or comparing! Now I use Trupanion and have had great results and unlimited claims paid for about the same cost and by about I mean within $5 a month from what I paid Nationwide! NOW GET THIS, I SUBMITTED A CLAIM FOR HER FINAL EUTHANASIA BECUASE AFTER 2 YEARS OF THIS HER BODY WAS DONE AND I WOULD NOT TORTURE HER. SHE DIED PEACEFULLY IN MY ARMS AT HOME. NATIONWIDE continued to BILL my credit card for an additional year ( It's my pet cc for business and unfortunately I was not closely watching the charges). I had fraud on the card and switched it so they could no longer bill it. I received a cancellation notice for Addie due to non-payment. She has been dead for about a year and they paid me for her euthanasia. I was told I did not have to cancel it that the euthanasia would automatically cancel the policy. Today I called and in speaking with Connie I told her upfront this is emotional for me due to the huge loss i still feel from losing Addie, and it is fueled by having been wrongfully charged all this time. She was kind and understanding, found the claim for the euthanasia and is helping me get reimbursed. SHE is the only reason I am even giving a star!
Insurer: Nationwide
By: Toni Roy
Will not break down what they are…
Will not break down what they are paying. How much is deductible, how much is not covered etc.
Insurer: ManyPets
By: Carl Barnett
I love how simple and easy it is to…
I love how simple and easy it is to submit invoices on the Embrace website. Just follow the step by step instructions and your done!!
Insurer: Embrace
By: Diane
Very quick response when I called and…
Very quick response when I called and very caring and patient service.
Insurer: Trupanion
By: Lenora Wisdom
Please read if you currently have or thinking about getting healthy paws
Ive had healthy paws for 5 years coming up next month and submited a claim in 2018, healthy paws payed me for this claim without recieveing records even thou in their policy they REQUIRE records within 12 months of singing up. This is important because this record 12 months of signing up they use as a base line for your pet (would make more sense to only sign you up if they have this but it benifits them in the end). So if they dont request records like they should that first year or any of the following years informing you they need it when your dog gets a life changing diagnosis at 5 years old and lots of vet bills they can say this is their baseline now because your previous vet permanently closed and you have no coverage even thou you have been paying monthly for 5 years straight. I recomending staying away because they are very dodgy on the phone and dont see the logic in my dog physically not being able to have the same diagnosis at 1 years old and just keep repeating their flawed policies over and over again. EDIT: seeing as i cant reply to the comment, your company states in every email is some verbiage if this is the first claim we require records if the second or third we have them on file. So you make people think you have it already but you dont. Also its funny that you declined my 7th claim due to findings on my 2nd claim that you now consider my baseline exam but you approved my 2nd claim? Your entire buisness is structured around not recieveing the correct information until life threatning diseases are found then you enforce them. Ruining peoples lives that have relied on you for 5 YEARS..... thank you again for destroying my finacial life from trusting almost 100$ a month to you to cover nothing. Their staff also send emails requesting for records every claim i know this because on the phone trying to figure out my 6th claim they declined and now stating they are declining coverage on all futher claims they told me this. I also had to call multiple times to have them find this email and upload it into the records. So i know they requested it on the first claim and i know my vet that is now closed sent it but they lost it and now wont admit to their mistake.
Insurer: Healthy Paws
By: mack
Prices
Great Benefits. Hoping the setup is as easy as Bivvy was.
Insurer: Spot
By: Samuel Lemanski