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.

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.

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.

Heathy Paws is horrible. Bottom line.

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.

The amount of coverage is abysmal. For a policy that costs 120/month and to only get 50 back on a 500 dollar emergency visit for a paralyzed leg is a joke

A faster turnaround would have been appreciated

This company can improve by covering services for our pets that we are paying for. I submitted an appeal for a denied claim for my cat who had a enucleation surgery *before* he came to me. He developed cysts only *after* the enucleation surgery, but y’all have denied paying that claim saying it was pre-existing. It was not pre-existing and my vet made it clear that it was not pre-existing yet y’all still will not pay. At this time, I am considering canceling coverage for all six of my cats because y’all are simply not paying.

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.

The whole issue of starting a new claim every time my veterinarian calls the condition diarrhea and a new deductible is more than frustrating. It feels dishonest. The dog has chronic diarrhea well controlled with medication….. we have tried to determine a cause. If the claims adjuster would look at the record this would be clear. Then am told “we don’t go back that far because diarrhea is a symptom not a condition”. Apparently they are reviewing this but after at least six calls with different people and my veterinarian having to resend the dogs entire medical record ( he is 9 years old!). Prior claims were handled in a satisfactory manner but not this condition. Come live at my house for a while and experience living with a dog that has intermittent diarrhea then you may have some empathy