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.

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.

Reimbursing takes along time

Everything went wrong that could go wrong. This is your typical insurance company screwing you over. Processing the claim takes an extraordinary amount of time; the reimbursement takes forever; the items covered is sinister at least, and you're lucky if you get what they actually claim you will get, because they find reasons to deduct multiple items that you didn't know were not covered. I don't recommend them

Wish there was an app

I have no idea what kind of scam this is. I took my dog to the vet for itching on his feet.. $369 vet bill. Only $118 of the bill is applied to the deductible. The vet's exam fee is denied! I'll give this fly-by-night outfit one more chance then take it to the NYS Insurance Commissioner.

Making leave a review gets a bad review

I loved nationwide when I first got it in 2020, over the years not so much. Their plans changed and I feel like I should’ve been grandfathered with the plan I had. I regret renewing both of my policies. I should’ve shopped around. I will not be renewing next year.

My claim was denied on the removal of an undescended testicle in a dog. I appealed and was informed that I would need additional coverage to the ever escalating premiums that I already pay. This was not a neuter, but a necessary procedure done to prevent cancer, which is a risk with undescended testicles. AKC pet insurance is overpriced and has many add on with coverage, not a basic wellness coverage and/or illness/accident coverage. I would not recommend and will be cancelling the policy.

Title: False Advertising I enrolled my 1.5-year-old neutered Boxer mix with Healthy Paws based on their reputation and the understanding that rates wouldn’t increase arbitrarily. I was paying $48/month for 80% coverage with a $250 deductible, which felt reasonable. I’ve had a good experience with claims — the app is easy to use, and reimbursements were processed quickly. However, I was surprised and disappointed to see my monthly premium jump to $60, despite having no major claims or changes in coverage. When I signed up, I understood that rates would stay stable unless veterinary costs significantly increased. This hike feels excessive and poorly explained. After some research, I’ve found that many customers have experienced similar increases, which contradicts how Healthy Paws was originally marketed to me. I think it’s important for potential customers to know that premiums can rise sharply, even without claims. I’m now looking into other providers with more transparent pricing.