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Increased deductible mid-policy year!
I’ve been a customer of Healthy Paws Pet Insurance for over 11 years, and I’m extremely disappointed with how recent changes to my policy were handled. My main issue is that my dog’s deductible was effectively changed mid-policy year. My dog’s deductible period runs May–May, and I had already fully met the $250 deductible for the current policy year. Before the March 11 policy anniversary, I had a lengthy call with a supervisor specifically to understand how upcoming changes that Healthy Paws forced on me would be applied. I was told that this dog’s deductible would reset in May. However, after the March 11 change, I was required to pay an additional $250 before reimbursement resumed- effectively turning a $250 deductible I had already satisfied into a $500 deductible months before the stated reset date. While Healthy Paws did notify me in advance that my reimbursement would be reduced from 90% to 70% and that my deductible would increase from $250 to $500 (which I was also very unhappy about), what was not clearly disclosed was that this change would be applied in a way that overrides an already-met deductible mid-cycle. I have reviewed the entire 11 years of policy documents and have not found anything that clearly states they can change a deductible mid-policy year and require additional payment after it has already been satisfied. To make matters more frustrating, the policy anniversary date (March 11) is tied to when I enrolled my first dog, yet my second dog’s deductible period remains on a different schedule (May–May). This mismatch creates a confusing situation where policy changes are applied at one time, but deductibles are tracked on another- making it very difficult for customers to understand what they actually owe and when. I have since reached out to Healthy Paws for clarification on this issue and was told that one of their “Licensed Insurance Producers” would contact me, but they did not. After more than a decade as a customer, I do not feel this situation was handled transparently or fairly, and I’m sharing this so other pet owners are warned how these changes may be applied in practice.
Insurer: Healthy Paws
By: Jenny Case
So impressed
These past few weeks with Dexter being injured have been so difficult and of course vet bills do not make it any better. So grateful for Spot and making claim submission so easy and fast
Insurer: Spot
By: Madison
Pumpkin was prompt with payment for my…
Pumpkin was prompt with payment for my dogs wellness checkup!
Insurer: Pumpkin
By: KK
Amazing service thank you
Amazing service thank you! Easy claim process, fast refunds
Insurer: Pumpkin
By: Julie
Fast responses and easy to fill out…
Fast responses and easy to fill out forms Employees are polite caring and efficient.
Insurer: MetLife
By: Robert Bradley
Excellent customer service
I had a great experience working with Aileen A. at Fetch Pet Insurance. She provided exceptional customer service from start to finish—she was patient, knowledgeable, and took the time to thoroughly answer all of my questions without making me feel rushed. What really stood out was her ability to clearly explain coverage options, including the wellness program, which is a fantastic add-on for anyone looking for more comprehensive, preventive care for their pets. It gave me peace of mind knowing exactly what I was signing up for. Aileen made the entire process smooth and stress-free, and her professionalism truly reflects well on Fetch Pet Insurance as a whole. I would absolutely recommend both Eileen and Fetch to anyone looking for reliable pet insurance—especially if you’re interested in a more robust wellness plan for your furry family members.
Insurer: Fetch
By: Renee
They are the worst
They are the worst. They did not cover an ear infection because our dog has a history of skin allergies..this was a fungal infection and she was so miserable… this had nothing to do with skin allergies. They lied and said they called our vet but they did not. This was an ear infection, not an allergy..Otitis…dismissed us very easily. They absolutely don’t give a care about your animal. We wasted our money for the last 5 plus months. Don’t get it, you will regret
Insurer: Spot
By: Debi
NOT EVEN CUSTOMER'S BEST....
I am disabled senior displaced from new home due to environmental, biohazardous debris in studio apt for 1 mo and counting, canceled PuppySpot delivery and failed to cancel Pet's Best insurance. Many health and habibility issues persist. Pet's Best will only reimburse me for 1 month due to their rigid 30 day cancellation policy. PB website is ADA non-compliant and operator has no phone number for me to escalate my request for the 1 more month of reimbursement. This presents 1 more violation of the Americans with Disabilities Act. Inaccessibility, inflexibile rules, rigid rip-off, very poor customer service is a serious RED FLAG for pet owners with disabilities.
Insurer: Pets Best
By: LORRY DOW