I think HealthyPaws has one of the best and most painless reimbursement experiences, but I can't justify the steep premium increases anymore - this year they are increasing my monthly premium by 229% from $94.26 to $215.41 for my one dog and it is unfortunately the last straw for me so I have sadly cancelled my policy today. I'm not sure if it's because they were recently acquired by Chubb, but when I spoke to a customer rep, they said that due to a combination of factors (more clients are filing claims, certain state laws are requiring pet insurance companies to be more transparent/ethical with their practices so they can't be sneaky with certain fees, vet costs rising in a few cities, etc.) Healthy Paws is doubling/tripling premiums for many folks this year. Also don't bother trying to negotiate for a lower premium, I've tried many times with no success. All they do is list all the reasons for the increase and that's about it.

Had a whole week of back and forth w no appt availibliies, some video issues and then on the 3rd attempt the Vet didn’t show up for the meeting.

I have to constantly resend invoices and additional info for a dog that they have insured for over 6 years and who has documented renal disease. Also raised my rate from $50+ a month to over $80 a month with no upgrade in services

Lemonade cannot provide basic renter's insurance on demand in CA. I contacted them today with a change of address for a move in date on 07/18 and they cannot provide coverage until 07/24. Having been a customer for 6 years, I completely disgusted with Lemonade and will be cancelling my auto coverage as well.

fetch has to have some of the worst customer service out of any company i’ve ever used. i’ve been using them for over 3 years now and everytime there’s a question or anything it is the worst customer service experience.

Waste of money. They only offer coverage on emergency care and do not cover any preventative care.

First of all, DO NOT BUY PET INSURANCE. Pure waste of money. Open a savings account and put the premium in it to save up for the "bad times". Used 2 ins companies, first one quietly increased our premium due to "age" with very little communication, burying the notification in a routine annual renewal email. Second company, Figo, paid for little bills (applied to deductible, so almost nothing paid out) as our dog's health declined, then denied an x-ray related claim due to pre-existing condition, heart murmur. X-ray was NOT done to check on her heart, but to determine a NEW coughing issue. Because vet prescribed heart murmur meds, it was deemed pre-existing and denied. Appealed denial, they claim they did not get the email (it was sent, no error message received). Dog's health continued to decline, we sadly had her euthanized. Euthanasia claim denied due to pre-existing condition causing health decline, stating she had heart, tumor and cough issues in 2024. NONE of those were related to any of her 2025 issues. We'll appeal that as well, but I see how the process works now and have very little hope of any reversals.

If I could give less than 1 star I would. I waited 5 minutes in a zoom call for the doctor to join he never did. I was then charged the no show fee even though I messaged the doctor on their website. He responds back saying he was waiting but I never joined. I said no there must be an issue with zoom then I had been waiting for you. Dutch customer service never answers the phone and does not respond to text messages. I am still waiting on them to respond to my many text or emails. If they don't refund me I will be disputing this charge with my bank. The initial day I joined Dutch it was like this. I didn't get through to customer service and had to repeatedly text for a response. Its unfortunate because my first appointment went great, and I got my medications in a timely manner for my dog. I was super excited for this appointment because the first Dr had been so great but Dr. Justin Michaels and the customer service team have ruined this experience. I wasn't even asking for a refund on the annual fee but a refund on the no show charge. But I can't get through to their customer service team. Now I just want a full refund there is no use in having a service and never being able to get ahold of customer service.

Poor communication with customer. It's been almost 3 months of waiting to be approved for pet insurance.

If I could give it 0 stars I would.