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I initially got this policy for a new very expensive pup that I got not too long ago. I was offered a bare bones policy by the sellers but, bought a full policy. I took the pup to the vet on Friday and the claim was not touched until a week later. Nonetheless, I purchased two additional policies for my other two dogs and, was planning to buy a 4th for the new puppy coming next month. However, there were gremlins in the system that didn’t allow me to merge the policies. For over a week I was unable to access the original account until today so I could link the other two policies. I tried linking them but, was unable to because the system didn’t recognized my email address. I have been working with them for over a week to resolve these issues with the website and to link the policies. I called again today to find out what email they had but the policy information and email at their end was correct. The agent told me that she was able to link the policies but, when I tried to access my account the system couldn’t recognize even the original account asking me to provide again my policy number but to no avail. I was already fed up with the whole situation and with the fact that MetLife as big as they are their IT people couldn’t figure out the problem, didn’t get a call back with the status of the trouble ticket, it was a monumental mess. Regretfully, I just told the agent to cancel my policies. She sent the cancellation emails and MetLife lost over $3000 in coverage for my 3 dogs. This was frustrating and disappointing to say the least, I would not recommend this company to anyone. Their process is complicated and they take forever to adjudicate a simple claim.

Last year after my pup experienced an injury, I decided to get some pet insurance to help cushion the financial burden if a worse accident happened. Had minor claims 2 or 3 times, but then she injured her rear right leg, damaging her ACL, which required surgery if she were to be able to function normally and be able to play. She's only 3, and I can't imagine not letting her have the ability to run and play as she likes, but the surgery was over $5K. Planned to pay regardless, but thought the insurance could help cushion the cost, the whole point as to why I purchased it. We had previously sent over records from our primary vet, who had taken an x-ray the year prior, and said she MAY have hip dysplasia, so because of that SPOT denied the claim entirely. We went to a specialist for the surgery and got more X-rays, and the specialty vet confirmed she did NOT have hip dysplasia, we submitted the documents, and the claim was denied again. The customer service rep provided me with the appeals email, which over the last 3 months, I have emailed several times, and have not received a single response. I confirmed I had the email correct, and still nothing. They don't appear to have any intent of responding or even providing a show of considering an appeal. It seems that this agency is another predatory company in an unregulated industry. Avoid at all costs. Better off paying on your own and saving the monthly fee.

I wished I had done more research before I decided to go with this company. It seems that they are The Best at denying claims. God forbid that your dog as diarrhea at any point in their life. As Medication, Nerves, Surgeries, Bad Food can cause it. To them its a pre-existing condition. My poor baby had a Foreign body surgery and went in for her first follow up. And hunched posture was mentioned in that visit. Well having your stomach cut open isn't very comfortable to say the least. On down the road a bit, my baby had an FCE which is the acute death of part of the spinal cord, caused by an embolus of fibrocartilaginous material. So pretty much a stroke. Pest Best denied the claim because of the Hunched Posture noted at her follow up visit from her Foreign Body Surgery!! So they basically said that her stroke was pre-existing. Hunched posture is a pre existing condition to a stroke?! I shouldn't have had to appeal that claim, as hunched posture has nothing to do with a Neurological issue. SO to save you time and the headache, Stay Away don't think twice. I've already done the home work for you, the hard way! You're Welcome!

I've been using Nationwide for many years and several dogs. they have been fair; easy to submit claims and fast reimbursement.

Haven't had the insurance long enough for my dog to capitalize on its worth, but from the start it has been "pre-existing" this, etc. I'm shelling out $102 per month and maybe one day, although we never want anything bad to happen to our pets, I will thank myself for buying it.

On vacation when Auggie became sick and Del Rey Vet office got us into an appointment thankfully. After a gentle caring experience with Auggie getting IVs and staying there for the day he was much better. Trupanion was excellent in helping through the process and the vet office did the claim online and within minutes the claim was complete and payment given to the vet office when we picked up Auggie. Every experience with Trupanion is just S professional. I highly recommend them.

I'm happy that at least the company has kind people working there, I was treated very well by everyone, but that's it, when you start paying for insurance no one tells you that you need to have your dog checked out. And when you don't do this, every problem your dog has, they say it's pre-existing so they don’t pay you. My dog ​​came from Brazil, without any problems because a sick dog cannot travel. He had a check up in Brazil to travel and came here in May, in August he had skin problems, and the vet thinks it is an allergy to the environment make sense he is in a new country. Fetch refused to pay for the claim because they claim it could be something pre-existing. So why don't they ask us to do a check up when we start paying the company? Now I have a big problem because if I start at another company this will be a pre-existing problem, so I need to stay on my own. When I called to close my police they told me, pay for a check up and the next things will be covered, and we ignore the problem that appears now? Do I keep paying them and the medicine? Why they didn't tell me this before a problem appeared, very mean of you. For you it’s just one more person or few dollars but for me it is stability of my family, it is not a joke. I am very upset I didn’t expect that. Thank you for causing me such a headache.

I did everything online. It was so very easy and covered what I wanted for my pup. I haven't had to make a claim yet, happy day, but as a Veteran in the Soldier's Best Friend, program I'm sure my pup is in good care with this insurance and Riverside Veterinarian Clinic here in Tucson.

I have nothing but Curia for NetLife pet insurance…they process claims promptly & give excellent guidance when needed….am very pleased…

Easy to make claim and load invoices, wait time isn’t that long. Direct deposits for reimbursement are easy. It makes having to deal with pet illnesses much easier.