We've used Healthy Paws for our two dogs' insurance for many years. Their rate hikes are absolutely astounding and unbearable once you start using the insurance or you're a few years in. Today, we got a letter saying they'll add a 2.99% credit card surcharge to their rates. Considering their parent company, Chubb Limited, brought in over 55 billion dollars in revenue in 2024, they should be able to cover credit card fees. Terrible. Would not purchase again. Stay far away from these money-hungry grubs.

I used to love MetLife. Now, they take a really long time to process claims and sometimes customer service isn’t great. I lost one of my dogs in Nov 2024 (my policy doesn’t renew until June). I called to report my pups death. I was informed that removing her would increase my rate (substantially) and if I did so, my deductible resets. Whaaat?

Reply from Lemonade

I am not able to give a 5 star review here are the reasons for it:

A few months ago, I requested an upgrade for my plan. They said they would do it right at the renewal date, but they didn’t.

Customer service told me my claim was pending receiving the chewy invoice, so I submitted again only to find out later that day the claim was already processed and check was mailed to me.

The user interface should make it super simple to start a claim. It was super easy to see all the documents needed, just not how to actually SUBMIT a Claim. I noodled around until I found step by step instructions. I needed to click on my dog (I only have one pet. Who else would I be submitting a claim for?) This should be obvious like ordering on Amazon. There should never be a moment where you don't know where to click. That said, everything else went smoothly with uploads and reimbursement to my checking account. Kudos on the rest of the process. I appreciated the email updates too!

When I submit documents MetLife tells me they don’t have it. Takes forever to process because someone is not checking correctly. Also when I call for questions I am told information that is wrong and I end up having to do the whole process over or they cancel it. I am not happy at all

Told me 60$ for the coverage I wanted, but once it was said and done, it wants to say it's going to be 115 for initial payment? That wasn't what y'all just told me

I haven't used it yet so I don't know. I've heard they pay out but I also read some horrible reviews. I don't know yet. However, I do know that they email you until you actually review them. And considering they're not a pet insurance agency & they're owned by 1 of the largest big equity firms in the world, I get it. Its PR. Hopefully if I need them, they will reimburse me. But again it's America & big equity. They don't care. Just try to keep your babies safe.