I’ve been a loyal Healthy Paws customer since 2017. This month, my premium jumped from $268 to $1,430 — a 433% increase. No coverage changes. Just a new underwriter (Westchester Fire). Illegal? Perhaps. Unethical? Definitely. Shame on you, Healthy Paws.

I was kind of little shocked when i inquired about the bill for teddy. I asked the gentleman why i was charged 200 something one charge then another 600 again right away for his coverage. We have been a policyholder for Teddy since he's been 9 weeks old. He told me well that raise increase because our pet is getting older, well no dam kidding. That's why we got the insurance in the first place. I have insurance on myself and as a human I have more risk as i get older but my damn insurance does not increase! It stays at the same rate. When we got insurance we thought we got the best plus its associated with my other insurance USAA. I really do not understand this big of a increase from the time we started to now.

Two policies were set up for the same dog. I called the Nationwide representative twice, left a message at his extension, and never received acknowledgment or a call back. I called the general line a day later, and the situation was resolved. Not using email in this day and age (fax, really?) is ridiculous. If my company didn't offer a discount for pet insurance through Nationwide, I would have gone with another insurer.

It was EXTREMELY difficult to understand your representative on the phone. She was VERY nice but she had to repeat things MANY times. She spoke too loud and too fast! As a result, I'm sure I missed some important information.

THIS IS THE MOST ABSOLUTE. HORRIBLE. PET INSURANCE COMPANY! I have insured my dog since she was eight weeks old and have been with MetLife Pet Insurance for a while. I have experienced superb service from other companies, but unfortunately, not with MetLife Pet Ins. I submitted a claim on May 5, 2025, then I was contacted that in order to process this claim, they would need an additional documentation, which I ordered. Once received, I tried to upload it to the ACTIVE claim; however, one is unable to do so resulting in filing a whole new claim. This was May 5, 2025. Today July 21, 2025. I have sent numerous emails only to get an auto response that more information is needed to process the claim...I called, no answer. I reached out again the other day, nada. I uploaded the document requested of me to the emails (approximately 10) and still nada. Furthermore, For obvious reasons, I canceled my policy June 1, the actual day the payment was debited from my account. Guess what? No REFUND WAS PROCESSED to date. Nor was the claim ever processed, so 2.5 months later I finally got someone on the phone after being disconnected from the previous representative. Now, to be fair, I have worked with them in the past and never experienced this time-consuming and aggravating process. I like to take away lessons from situations such as this. Take it for what it is, here is my input: PETSBEST INSURANCE is more affordable and offers more coverage for less. I highly recommend making a switch or if you are researching pet insurance companies, at the very least, consider PETSBEST Pet Insurance to save yourself months of aggravation!

I’ve been a customer of ASPCA Pet Insurance (administered by PTZ, underwritten by Independence American Insurance Co.) for several years through an employee discount. I filed my first major claim this July after my dog became seriously ill. Less than 24 hours later, I received a vague email saying I should “review my renewal plan.” After digging through menus in the Member Center, I discovered my annual premium was being increased from $776 to $1,156 — a 49% increase. ASPCA’s policy and marketing materials explicitly state: “Your rate will never change because of your pet’s claim history no matter how many claims you submit.” Yet this massive increase was communicated THE DAY AFTER I filed a $1,500 claim. When I reached out for an explanation, I received a canned response: the increase was not due to my claim, but due to how “pet parents overall" are spending more. "When pet parents spend more than we expect, we have to increase our rates to help us balance the cost." No breakdown, no actuarial justification, no transparency. For reference:     •    Industry average annual premium increase is 12–15%, according to NAPHIA.     •    ASPCA’s new premium puts me 70% above the national average for dog insurance.     •    No change in coverage, deductible, reimbursement, or plan structure. This isn’t just bad service—this is reputational arbitrage. The ASPCA licenses its name to a for-profit insurer, collects a royalty, and lets the insurer quietly exploit the goodwill of the ASPCA brand to gouge customers. It's disgusting. It's especially frustrating because they did not address the substance of my complaint (including the figures I provided) or answer a single question I asked, but then ended their email by saying "our goal is to always provide meaningful support to pet families, and do it in a way that's fair, transparent, and sustainable." I'm not sure how a 49% YoY increase, while refusing to provide an explanation, aligns with that claim. This experience has completely shattered my trust in the ASPCA and I will never donate to them again. I’m filing complaints with the Texas Department of Insurance and have already contacted ASPCA directly. Until they take ownership of these practices, I’d strongly caution any pet owner from trusting this program.

The company does a decent job of approving claims but it takes far longer than it should. It should not take multiple weeks and a few inquiries to complete a claim. I had to have surgery on my dog because she had imbedding teeth but my vet said she had some tartar and it was denied. I think overall they are a decent company and cover a good bit but it takes time to complete a claim and the price continues to rise every year.

THEY ONLY PAID $5 for a submitted claim for $1467. FIGO agreed $1293 was eligible. Policy for $10,000 max annually, $900 deductible, then 70% coverage. $1293 - $900 deductible = $393. $393 remaining times 70% = $275 to be paid by FIGO. Insured pays $900 deductible and remaining balance $118. ONLY WAS PAID $5. WHAT A SCAM

A faster turnaround would have been appreciated

I’ve been a loyal customer since year one, and I’m disappointed to see the price increase so drastically. My premium started at $$79.64, then up to be $110.30 on year2 then doubled to $169.91 the following year, which feels excessive. When I reached out, I was told the increase wasn’t due to my claim history, but rather my location. However, I haven’t moved since I first signed up, so that explanation doesn’t make much sense to me. I hope the company reconsiders how these pricing changes are handled, especially for long-term customers.