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Basic plan covers very little
I was misled around just how little would be covered without the Wellness plan, and now I'm left with almost thousands in vet expenses for my kitten that my insurance plan won't cover. To find out that the basic plan covers none of the costs of standard care and procedures associated with caring for a kitten by receiving a rejection notice for my insurance claim was fairly jarring and made the insurance plan feel pretty useless and parasitic. Yes, the details are within the policy document, but they're also buried within dense text, and they were not adequately explained to me when I was signing up for my plan.
Insurer: Fetch
By: Jonathan Fisk
We have had a great experience with…
We have had a great experience with MetLife Pet Insurance. We have 3 Newfoundlands and trust me vet care is expensive even more so with giant breed dogs. The service is quick and they are always there if you have questions. Thank you MetLife Pet
Insurer: MetLife
By: Lisa Hailfinger
Fetch Reduces Coverage Based on Claim History
Fetch may seem to have excellent pet insurance coverage. The issue is at renewal. Pet insurance is not regulated like human healthcare. When Fetch renews your policy they will reduce coverage based on your claim history. This is legal. They do this very quietly. Because of pre-existing exclusions, they know you have no options if your pet has been sick. It is classic bait and switch at it's core. You sign up with them and choose your coverage level. However, if you have filed just one claim, you cannot increase your coverage later, EVER. However, they can and will decrease your coverage. My advice is to avoid Fetch because while you may be okay during the first year, they will make up for it every year thereafter. It is extremely bad business to do this to customers. They will insist we have a choice. Afterall, we can cancel coverage and/or choose another company for a pet policy. However, this "choice" is meaningingless in practice, because other pet insurers have pre-existing condition exclusion, just like they do. If you switch, any conditions your pet has already had will not be covered with a new insurer. For this reason, having the policy with Fetch, becomes the lesser of two evils. That is why how they can get away with this. Those of us with dogs who have pre-existing conditions are stuck with Fetch or can choose to have no coverage at all. They know this and take advantage of it. If I knew what I know now, I would never have chosen Fetch. EVER. EDIT: Fetch responded to me stating that this is not true. It is absolutely true. After my renewal Fetch stopped covering supplements that were covered prior to renewal. For me, this is a huge deal because my pet has tummy trouble and the vet recommended many supplements that are extremely helpful for my dog but are not in the Plumb's book so they are no longer covered. However, these supplements were covered before the renewal. They also added a clause that allows them to reduce coverage or promos (which I have) on my policy if I have 50 claims or more. This is arbitrary. If I have to buy one supplement a month, that is 12 claims right there. They also reduced coverage regarding dental to basically nothing. They also added a $2000 sublimit for Pharmacy, unless you use Fetch Rx, and lastly they added more exclusions regarding pre-existing conditions about bilateral conditions. So YES, my coverage was severely reduced. Also, Fetch does not cover ANY food even if it is required for a medical condition and the vet prescribes it. So my opinion still stands. And if Fetch was able to determine who I am and find my policy and wants to add this coverage back somehow, then they also know how to reach me. I am waiting for an email or call. I am not calling them.
Insurer: Fetch
By: Brian M.
Paid the Vet right away
Paid the Vet right away
Insurer: Trupanion
By: Jenny
I love the ease of submitting my claims…
I love the ease of submitting my claims online. They are processed and I get paid so quick. It great knowing I am able to get help with my aging dog.
Insurer: Trupanion
By: Sarita
Excellent Service!
Customer service and sales teams are extremely helpful and easy to work with.
Insurer: Fetch
By: Vince
Easy Process
It was easy to submit a claim and my claims were approved and paid out within about 24 hours. Such a relief. Can’t imagine what we would do for our kitty with asthma if we didn’t have insurance.
Insurer: Trupanion
By: Emily
Superb company
Superb company - fair insurance claim reviews and reimbursement in a very timely manner!
Insurer: Trupanion
By: Suzanne
Quick response to claims submitted!!
Quick response to claims submitted!!
Insurer: Spot
By: Beth H
Fast processing of claims
Fast processing of claims, even on weekends.
Insurer: Trupanion
By: Jim