I filed my first claim after 2 years of coverage. There is a LONG delay in receiving reimbursement and website is cumbersome and confusing. I keep receiving emails ‘apologizing for the delay’ but no explanation about why it’s taking so long.

Ver very slow pricessing

Poor customer service.

The policy is difficult to understand. Thought medications such as heartworm would be covered but it is not as the coverage falls under prevention or some such thing. In short, not simple and clear what is and isn't covered

I was disappointed this time about an ear infection not being covered as a illness. It was not a condition for which she had been previously treated so I believed it would be covered. It was discovered at her annual checkup but was a new illness.

Most of the time it’s quick if bill is under $200, however I had a couple invoices for separate animals I submitted on same day, so total was high. It took 30 days to process!!!

I’m extremely disappointed with the inconsistent and misleading practices of this company. My pet’s condition has been covered multiple times in the past, and I’ve successfully appealed similar denials for the same diagnosis and treatment. Despite this clear history of coverage, my most recent claim was inexplicably denied. This inconsistency shows a lack of integrity and reliability. It appears the company prioritizes avoiding payouts over honoring its own policies or supporting pet owners who depend on them.

Avoid. They will increase the price exponentially as your pet ages. It started at at $30 and now it’s over $220 and that is after decreasing reimbursement level and increasing deductible. They also use your reimbursement level towards your deductible so if your deductible is $1000 and your reimbursement level is 50%, you really have to pay $2000 before insurance kicks in (this is not how most insurances work). I’ve had this insurance the whole life of my dog and regret every month, but now I need to keep it since she is so old. Do your research before getting insurance.

I have liked the coverage and customer service when ive called in however the time from claim submittal to being reimbursed is fairly long, the system used to pre-sort the uploaded documents is flawed and causes issue, ive had entire claims completely lost after receiving confirmation of submitting, and with a 65% increase in my premiums after the first year of working with yall it feels a bit like bait and switch pricing wise

No review for now