Too much exasperation with what you do not cover

Taking too long for reimbursement of claim. That last two claims were for the same virus that took more antibiotics to cure.

When I am applying for Figo i was expecting my dog can have regular care. Now I am paying for 46€ per month to have a 75€ maximum preventive care per year such as vaccinations. The application is misleading and now even though I choose the monthly payment option they say i need to wait 1 year to cancel my contract. Now i stuck with them, definitely not suggest. The text below is from their application form.. "Unlimited consultations Standard preventive care such as vaccinations Treatments and medications for digestive problems Treatments and medications for ear, skin and eye infections Treatments for joint complaints"

Pets Best Insurance is a decent enough company and they have covered several claims on my dogs. Recently my 4 year old Rottweiler's premium increased from $95 per month to $151.00!!! I expect and understand small increases yearly but this is a horrific & shocking increase. How is this going to be affordable? I will be shopping elsewhere for coverage for any future dogs and will be warning all of my friends/family as well as my dog sports network to beware. :(

I have had a problem with my claim when I turned it in I gave them all my receipts but they only accepted one day and I went to the vet for months come to find out they didnt accept my medications but in the policy it says it does so my question is do they accept medications or not???

The wellness plan I added to my dog’s accident and illness coverage is not covering his flea, tick and worm medication throughout the whole year, I got a message informing that the annual limit has been reached. I will switch to the Banfield Hospital Optimum Wellness plan since it offers unlimited coverage for wellness-related expenses.

Pros: • We’ve been with Embrace for 10 years, and overall they’ve been very reliable. • When claims were mistakenly flagged as “pre-existing,” my vet provided documentation and Embrace corrected it and paid. • Customer service has been fair and responsive. Cons: • Premiums rise every year, no matter the policy type. • Currently paying over $500/month for two dogs (one older, one young and healthy). • The USAA member discount is minimal and hardly noticeable. Overall: Embrace has been trustworthy when it comes to paying claims, but the steep and ever-rising premiums make it hard to justify the cost — especially when one pet has had no health issues at all

I’ve had MetLife pet insurance on both my dogs for the past three years. As of lately processing claims has become a hassle and is often messed up requiring you to HAVE to pay close attention. Example is when processing a two claims at the same time (one for each dog) the app has automatically changed one of the claims from one dog name to the other on its own about a few days to a week after the submission. The problem with this is they will either deny the claim as a double submission or recently approved it under the dog who has 90% coverage vs the dog who has 100% coverage. Updated Friday, 9/5/25. I responded same day to MetLife response as requested through email same day and their response was someone would reach out and call me. Still waiting. Looks like sometimes their responses to bad surveys is to make them look responsive and accountable but actions speak louder. Do better MetLife

Absolutely horrible. Claim has been declined 4x because of mistakes made by your claim reviewers. Unacceptable

Coverage seems good. However, I had to fill in the form at least three times and at the end said something went wrong and would have to try back later. I am not pleased that two months, actually more than two months payment will be taken and the next month must be paid in addition to the two months. This is not like renting a house, it is an insurance policy for an animal.