Reimbursing takes along time

Starts off great and affordable, then they begin to gouge you year over year, my premiums are now 4x the cost of what I started paying. They provide no justification or clarification or notice upon renewal, and offer increase rated midway throughout the policy year..

We trusted Trupanion to be there when our dog Lola needed them most. Instead, they blindsided us with a cruel bait-and-switch. Last year, Lola had two masses removed. Trupanion applied a single $500 per-condition deductible — which we paid — and covered the rest. We assumed, reasonably, that we had met the deductible for that condition going forward. But when Lola needed surgery again this year to remove multiple additional masses, Trupanion changed the game. Suddenly, each mass was a separate condition, each requiring its own $500 deductible — five growths, five deductibles. $2500 out of pocket. That is not pet insurance. That is predatory fine print. Their policy language is intentionally vague, allowing them to redefine what counts as a “condition” whenever it benefits them financially. And they know exactly what they’re doing — exploiting people in crisis who are trying to save their pets. This isn't just a paperwork issue. This is real financial harm, emotional distress, and broken trust. On top of it all, watching Lola suffer while we scrambled to figure out how to pay for necessary surgery shattered us. Seeing how upset this made both Lola’s GB and the Feeder Lady? Unforgivable. If you’re a pet parent considering Trupanion: read the fine print, then run the other way. Don’t wait until your dog is under anesthesia to find out you’ve been deceived.

I have been with Figo Pet Insurance 5 months. The dog was taken to an emergency vet center on a Sunday when vomiting started after 2 days of liquid diarrhea and refusal to eat. He was admitted to their ICU and was severely dehydrated. The staff was able to stabilize his condition but was not able to determine the cause of his problem. The bill was $7838.58. The claim was submitted after supplying a very long list of accompanying documents including a copy of the complete file and doctor’s notes from the emergency center as well as the records and past history from his normal vet. Ten days later they rejected the claim as "pre-existing conditions". The ICU vet indicated in documents that they could not determine the cause with any degree of certainty or assurance. The dog was put to sleep a week after leaving the ICU. It took Figo 10 days to come up with pre-existing conditions. My advice is to look harder and elsewhere if you are searching for a trust worthy pet insurer. Take a moment to read the insincere and duplicate Figo responses to the 1 star reviews if you need help deciding.

I've had a generally positive experience with Pets Best, particularly with their excellent customer service and the timely processing of claims. This is truly commendable. My main concern, however, is the consistent and substantial rise in premiums, especially for the wellness plan. Unfortunately, these increases haven't come with any enhancements to the wellness benefits, making the value for money diminish over time.

You have made major errors on 2 of my first 4 claims. One claim got assigned to a closed policy and one just closed and not processed by error.

I’ve been trying to obtain a refund for a deposit I paid toward a covered spay surgery. Despite multiple calls and emails, I’ve received no response or reimbursement. The lack of communication from MetLife Pet has been extremely frustrating and unprofessional. On top of that, a separate claim was denied on the grounds of a “preexisting condition,” even though that diagnosis was not present prior to the policy start date. My veterinarian submitted a formal attestation confirming it was not preexisting, but MetLife still upheld the denial after their so-called review process. This experience has been incredibly disappointing. Between the ignored refund and the unfair claims handling, I cannot recommend MetLife Pet to anyone looking for reliable or responsive coverage for their pet.

Do not like this company. I’m looking for another company as we speak.

Every time I put in a claim and send invoices, I get an email weeks later that they need more information. I have given you EVERYTHING that was asked for. I called and talked to someone after I resubmitted everything for the second time, and days later I get another email that I need to send in more information. Your company acts like your clients are trying to rob you. It was a wellness visit with immunizations- standard stuff and I sent everything, and they are still saying they need more. It seems that this is standard policy to hold off on paying people.

Even for very easy claims like prescription food reimbursement that I submit very often, can sometimes take multiple weeks to get processed and reimbersed which is very stressful.