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Insurance companies are constantly reviewing us. Are we too old? Do we live in the wrong place? Is our credit score high enough? Well, now it's time to turn the tables. Do you charge too much? Will you pay my claim quickly? Is your coverage worse than it seems? We can review you too.
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Ranked by Complaint Relativity
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APOLLO GLOBAL MGMT 26.19
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BCBS OF MI 40.72
Nationwide - "Preexisting condition"
I adopted my latest shelter dog in August 2024, needless to say she was a mess and the vet noted she would benefit for some anti-anxiety meds as needed to settle her, due to her trauma of long distance transport (24 hours in a crate). This was in September 2024
After some behavior training that was working along with the first "short term" antianxiety, the vet advised switching her to long term therapy, this was October, same month that I applied for insurance which occured AFTER the insurance kicked in.
Now because she had the short-term therapy as needed (the firs med is only given as needed) first, to get her settled in, the long-term therapy is now considered a "preexisting" condition.
Wow, Nationwide, seems a bit slight of hand to me and quite frankly, considering it is 10.00 a month that you will not reimburse, tells me all I need to know about how much you "care". I will be dropping you ASAP. Apparently Nation wide is NOT on your side.
Nationwide - Look Elsewhere To Insure Your Furry Friend
I received a letter cancelling my 9 1/2 yoa rottweiller’s insurance after being a customer through 2 dogs over 19 years. The letter stated that they were no longer going to be insuring dogs in my state because of the rising costs for healthcare of dogs in the state. This has been found to be an outright lie after speaking with friends that I referred to Nationwide. I also attempted to insure a made-up puppy to see if it would be accepted for insurance - it was.
During the life of my dog’s coverage before cancellation the premium rose over several hundred percent. Nationwide was able to stay in the black cash flow. Attempts to secure comparable insurance on a 9-1/2 year old dog with pre-existing conditions is totally impossible.
Nationwide - Pending Refund …
I took out this insurance on the 2nd of May and still haven't received the policy. I'm getting ready to ask for my money back. It has been a week.
Trupanion - Trupanions Bait & Switch pet insurances policy
I bought this pet insurance when my puppy was about 13 weeks w no pre-existing conditions. One year later, that’s still true.
Although the premium was almost double comparable insurers, it seemed worth it, because the TRUPANION PROMISE is your rate will never increase with the dog’s age!!
Now for the BAIT & SWITCH!! After 1 year, my pet insurance jumped from $114/mo (pretty expensive!) to $148/ mo!
A 30% INCREASE AFTER ONE YEAR! When I called, the rep explained that rates still increase each year, just not because of the dog’s age. 30%?
The US inflation rate in that time increased 1.9%.
Trupanion told me that “possible yearly increases” are explained in the contract - true, but the 30% increase is 15X the US inflation rate. The original sales rep I signed on with NEVER indicated that ANY price increase was possible!
BUYER BEWARE!!
Fetch - Waste of money & waste of time
Waste of money & waste of time. We've been customers for almost a year. Every claim we submitted, they found some excuse or reason as to why it wasn't covered. They push every veterinary medical expense to be uncovered. What's the point in pet insurance if you're not going to cover anything, especially in a business where they over-charge at a criminal rate on people who are just trying to help their pets live healthy. It's insane. Complete scam, just trying to take your money. Canceled our membership for our 6 pets today. Lost complete faith in this company.
Trupanion - They cover nothing
They cover nothing! My dog has Lyme disease and I was declined the testing
Fetch - Fetch a s not the insurance company you…
Fetch a s not the insurance company you want for your pet. I totally agree with those who wrote that Fetch will find a pre-existing condition no matter what.
Pets Best - Extremely disappointed. WIsh I had gone with another company
My dog developed Giardia a few days after I signed up for the insurance. Since then it has progressed into a full blown chronic illness -- Pets Best has not covered one cent of my 10 k vet bill. I understand that there is a a "waiting period," but my dog went from a perfectly healthy puppy to a very sick one and not one penny was reimbursed by this company.
Embrace - Didn't have a problem with the…
Didn't have a problem with the insurance, but clear they want to give you the best price possible only initially as my monthly price went up 65% (nothing out of the ordinary for my pup). They couldn't provide me with any specific reasons over the phone, so I've obtained plenty of other quotes from companies and will change. Not sure I'd recommend, maybe for the first year!
Trupanion - I signed up for Trupanion overnight.
I signed up for Trupanion overnight.. The next day I called my vets office of 15 years and asked if it was a recommended insurance, my vets response was " Trupanion used to be good, not so much anymore..the recommended insurance is PetsBest".
Was disappointed to hear. Didnt mind the higher premiums but when a vet gives you feedback like this, its not good.
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