This has been a terrible insurance company to deal with. They keep coming up with different excuses not to pay my pets bills. My poor baby chihuahua had to be put to sleep 3 weeks ago. He has had cancer for the last year. This company has been putting me through the ringer. They keep changing the codes to another type of cancer with a whole new $300 deductible. I have had to call over and over again to tell them the medical expenses are all for the same illness including the euthanasia! Who puts a person through that while they are also grieving for the loss of their pet? Plus, they love to hide new costs in their contracts and not notify you when they change things like adding a $3.00 charge for every check they send out. When I asked they said this has been in place for a while. No notice or anything. They get to put everything on line without one shred of paperwork not giving you a choice to go paperless. They also just started not covering sales tax. There is no consistency. Sometimes they'll cover the tax. You never know what you're going to come up against. Plus, I have one bill from almost 3 months ago that the shorted me $140 for with no explanation of benefits online at all. They are blaming it on IT and said you're out of luck until they fix it. Seriously? You can tell the poor reps are exhausted from complaint calls. I have been paying over $5,000 a year for 2 dogs just to Fetch. I have had this insurance since 2012 under various names and this year has been the worst. They nickel and dime you and hope you won't notice. Now my only dog just went up to almost $3,000 a year with a 10,000 limit. They don't pay for prescription dog food either. They want you to drop them without recourse to go anywhere else. Shame on them.

I literally cannot get in contact with anyone. While uploading pet information and receiving the EOB is decently efficient, to update an address/reimbursement account- I literally cannot get in touch with a soul :(

Too many emails and still waiting for my hard copy of policy

I was pleased with AKC insurance when I first signed up (and, even recommended it to my fellow dog exhibitors), but competence has taken a steep nosedive over the past few months, with claims adjusters denying claims made less than 30 days after a covered event as having exceeded the 180 day limit. I strongly suspect they have either instituted the use of AI to deny claims based upon the inability of their AI software to accurately process claims, or they’ve hired employees who don’t understand how to read a calendar.

I’ll be honest ,in the year I’ve been with this company is the absolute worst .DO NOT GO WITH THIS COMPANY.My pup had diarrhea when I first got her she was treated ,it’s almost a year later and I had given my dogs beef and liver treats unknowingly that these treats can cause severe issues to dogs including diarrhea with blood ,I sent my claim in after vet ,they denied my claim saying it was the same as when I first got her ..ARE YOU KIDDING ME ,THIS HAS NOTHING ,NOTHING TO DO WITH HER SICKNESS WHEN I FIRST GOT HER.I called immediately venting with the denial,They said oh we will send in the reassessment.STILL WAITING ITS BEEN ALMOST 2 weeks .So I just called again ,oh they said this could take 30 days WHAT WHAT but it takes u ffff no timeto deny it .IF IM DENIED AGAIN I WILL BE FIGHTING BACK TO HAVE ALL MY FUNDS OVER 860 given back to me,If they honestly think I’ll be going through this again ,sadly mistaken.PLUS THEY SEND ME A NOTICE OF INCREASE IN MONTHLY PAYMENTS ,This is the worst company ever ,stay tuned for the next chapter as this is not over

This is our second dog with Met Life and we are about to get a 3rd dog who we will now have to consider going to MetLife for as opposed to one of your competitors. Earlier this year I appealed a decision by MetLife who classified a request for a vet consultation as establishing a preexisting condition and subsequently denied $1500 or so of one time vet services as we desperately searched for getting our dog care.

I was told by my employer when signing up with Metlife pet insurance that there were no pre-existing condition exclusions. But you have denied several claims based on this. SO DISAPPOINTING :-(

I have been with Healthy Paws for 8 years, first in CA and now WA. I made very claims until the last year where I submitted monthly arthritis shots ($80) and one urgent care visit ($717) and not much before that. My dog turns 13 this month and they raised my policy from $140 a month to $626. This is outrageous and they know you can not switch a 13 year old dog to anyone else but it doesn't matter cuz I am dropping them. What kind of insurance takes your money for 8 years and then drops you? I am sorry to all my friends that I referred you to them because of positive experiences.

It’s been over a week and still haven’t heard about the account and have no way to login. Awful! Calling tomorrow to cancel

Submitted my claim for my pet on 7/2/25. The site keeps saying pending medical review. It's been 25 days and still no answer. Sent an email message inquiring why this is taking so long to make a decision on my claim-----NO ANSWER!!!! Totally unacceptable.