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The app and vet chat are fine
The app and vet chat are fine. Every time I went to the emergency vet i still paid hundreds of dollars because figo doesn’t want to cover most expenses. I would look elsewhere.
Insurer: Figo
By: customer
Your deductible is actually higher than stated
The main problem I had with this company is how they apply the deductible. They did try to deny coverage for part of the procedure, but relented on that. And the way they present the math in the "Your claim has been approved" emails is convoluted and confusing. That's because they don't want you to realize what they are actually doing. Most insurance policies apply the deductible from the total amount paid by the claimant. Not MantPets. They subtract the claimants co-insurance from the total and THEN apply the deductible. So I my case I had a total bill of $1,081.63. With a $500 deductible the amount used to determine my reimbursement should be $581.63. But they take away the co-insurance first which is 1,081.63 x 80% = $864.50. Then they apply the deductible so the reimbursement amount becomes $364.50. It should be 581.63 x 80% = $465.30. In essence the deductible is really 20% more than the policy claims. If you look on the website they do show they pay the claim with the coinsurance deducted first. But you have to look for it. For any other insurance policy I've every has it is not figured like that and if you assume this insurance will be like all the rest you will be taken for extra money. Maybe this is legal, maybe it's not. It certainly is deceptive. Beware.
Insurer: ManyPets
By: Kevin
Emergency back surgery
My dog had to have emergency back surgery. Within five days Healthy Paws had approved the claim. They are wonderful, courteous, and prompt. I recommend them to any people with dogs. Great coverage.
Insurer: Healthy Paws
By: Judy Haar
We've used Fetch for years now and have…
We've used Fetch for years now and have nothing but great things to say. Timely claims, great service and prices overall. For pet insurance, this is the only way to go!
Insurer: Fetch
By: Geoff
Great Service & Price - Definitely Recommend
I did detailed research on various pet insurance companies and Fetch offered the most coverage for the most affordable price. Of course you never know how good a company is until you need to file a claim; which I did in November. I had a $1600 claim for my dog swallowing something and it causing an obstruction; filed the claim on 11/15 and the reimbursement was in my account on 11/23! I was truly amazed!There were no questions asked and no battling; everything was covered, minus my deductible and my 10% responsibility. Communication was good, received a couple texts keeping me informed during the week. I have colleagues that have recommended other companies, I will read the terms and do quotes just to appease my curiosity, but they have not come close to the affordability of Fetch and the services they cover!
Insurer: Fetch
By: Jennifer
I've always had a quick response
I've always had a quick response after submitting a claim. I get paid super fast. Once me deductible is met 90 percent is covered. I had a c section on my dog and was reimbursed with in 2 days !!
Insurer: Trupanion
By: Joann Hansen
Reviews helped me choose.
I am new to this company, but the reviews helped me make the decision to select manypets
Insurer: ManyPets
By: Jerry Lassiter
My dog was diagnosed for cancer is…
My dog was diagnosed for cancer is undergoing cancer chemotherapy. Was a big relief to be reimbursed for this expensive therapy with no fuss. I do not know if helped that my dog is being treated at a big reputable animal hospital but that is the only thing I can think of if someone else had more trouble getting reimbursed. Highly recommended. I am leaving this review at different sites in gratitude.
Insurer: Healthy Paws
By: Takashi Ito
Pet Insurance
I cannot recommend Healthy Paws enough, they covered exactly what they said they would and the $$ came in less that 2 weeks. So worth the monthly payment! I was hesitant to buy insurance thinking it was a scam but 3 other friends use this plan and we all have had a great experience.
Insurer: Healthy Paws
By: Angela