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Worst insurance provider
They are incredibly difficult to work with. There customer service can’t answer questions about my coverage despite buying insurance before I got my dog as a pup. They use a script that’s no different than speaking with a chatbot or an automated voice recording. When you submit a claim they keep asking for more information such as the entire medical history of my dog from his vet every time. Then after submitting what I was given by the vet they still say it’s not enough details. Why don’t they just allow vets to easily submit the claims so they can work with them directly to get the information they need. I would advise anyone looking to get insurance from them to reconsider because at the end of the day you’ll spend more time going back and forth than the cost of any claim.
Insurer: Fetch
By: Ally
Well I haven't had to use the insurance…
Well I haven't had to use the insurance yet. But it was very easy to navigate
Insurer: ASPCA
By: traci
Healthy Paws Best Pet Insurance
I have had my pet’s medical insured though Healthy Paws since she was a puppy and it has come in handy when you least expect an emergency to occur. My pet h had accidentally eaten a medication pill that dropped on the floor. I took her to the ER where they monitored her heart and set up an IV to remove the toxicity in her body. They observed her overnight at the hospital. Of course the cost was great but, Healthy Paws was able to process the claim within 3 days and made my financial burden less so that I was able to take good care of my pet. It is worth purchasing pet insurance as, you never will know when an accident will occur.
Insurer: Healthy Paws
By: Mary
PUMPKIN PET INS denied my pet prescription
Pumpkin denied a prescription Royal canine prescription diet for Kaiser that is on more than a year that always was refunded. They said to appeal but the appeal will affect other claims. Later the email information about the appeal indicates that they might impact other claims as they are related. Kaiser has exams in a week regarding his cancer status. So how am I supposed to continue caring for his care when pumpkin might stop these future expenses on the light of an appeal? The raised Kaiser premium from $117 to $177 as of January 2023. How does this look for caring for my pet?
Insurer: Pumpkin
By: Elizabeth Arias Bohart
No problem taking payments but as soon…
No problem taking payments but as soon as I went to get reimbursed by placing a deposit account I was kicked off and my account lost in limbo saying I need to register and repeatedly telling me I already have. Reached out by email, waiting, but pretty convenient for them.
Insurer: Spot
By: Hayley Maynes
Could Not Access ACCOUNT:Had to call Embrace as first time to…As first time submitting the form and was a little confused as User Name and Password would not work.
Had to call Embrace as first time to submit a claim. Each person was very helpful and patient. Hardest part was downloading the Invoice. Next time should be easier as form not too difficult'
Insurer: Embrace
By: Lola Greenspan
Beware premium increases.
Price was fair and coverage seemed great, until I moved five minutes up the road and saw my premiums increase 40% due to "vet costs in the area." I will obviously be using the same vet I was before so this is bad policy, makes no sense, and very bad business. The customer service agent I spoke to was very polite, but it still feels a bit icky.
Insurer: Embrace
By: Forrest
Absolute dishonest insurance company
Pets Best has made a clearly unfair decision to my claim. First, it took more than 6 weeks for Pets Best to make a decision. Second, Pets Best based on incomplete information, and partial evidence to decline exams with reason of "pre-existing conditions". "Pre-existing" seems to be a super token for them to decline customers' claims for anything they don't want to cover. It's a gray area, so be careful of what you said to your doctor and make sure your doctor got it right to the medical records. My dog has never been diagnosed with Urination Inconsistency prior my visit in November, 2022. It was only based on my own words mentioning that I noticed some urine dripping about a year ago, but it went away. There is no medical records to prove that my dog has urination incontinence prior my November visit. It's like if your dog had diarrhea a year ago, they would consider anything related to diarrhea is "pre-existing". Because of they determined my dog had "urination incontinence" as a pre-existing conditions, they don't even cover Urinalysis test. This is outrageous!! Urinalysis is a very common test to see if there's any infection and to seen any abnormal chemicals/ bacteria in the urine. Just based on my own words of "dripping urine", they rejected to pay for the urinalysis for rest of my dog's life!! If my words can be used as a diagnose result, I can be a doctor too. I am not a doctor, why they used my mentioning some symptoms I noticed a year ago as a medical condition. Plus, Pets Best is very dishonest on calculating the payment amount. According to the policy, after customer has fulfilled the deductible, co-pay should be calculated by multiplying anything after the deductible by the percentage of customer's responsibility based on the plan you buy. However, Pets Best used the whole amount (including the original deductible portion) to calculate the co-pay amount that I owe. I called the customer service, they just said they are complied the underwriting rules. I need to see the documentation, not anything Pets Best said is a rule. Be aware of this insurance company! Very dishonest and sneaky. They will find any loopholes of not paying.
Insurer: Pets Best
By: CustomerGotRippedOff
Love Trupanion. Best Ever
Love Trupanion. They are quick and responsive when emergencies happen with your pet. They are worth every penny.
Insurer: Trupanion
By: Trace
Healthy Paws made submitting and…
Healthy Paws made submitting and processing my pet's health claims very fast, easy, and positive. I was very relieved to have their coverage to offset my kitty's vet tests & treatments so that she could get the very best care to keep her as healthy and happy as possible!
Insurer: Healthy Paws
By: Bridget O'Lavin