Don't get insurance with this company. I have had insurance with them for 3+ years. They have raised my rate every year without much justification. I kept paying it despite it getting expensive. I had accident only insurance, and this year my dog tore her acl (ccl in a dog) in her knee. A very common orthopedic injury to active dogs. I thought "oh good" at least I kept that insurance active. The surgery was $6,000 and I turned in my claim for reimbursement which I already had to pay out of pocket. I got surprised by this company because they turned around and called my dog's accident an "illness", and thus it didn't qualify under my accident insurance policy. Hmm, that was sly! They made no justification to me how they came to that decision, and every vet and person with any common sense would never call an orthopedic common knee injury that required surgery to fix the issue and "illness"! So I called customer service to inquiry about it and they just tried to read me all the stuff I already knew. I was handed off to the supervisor, who also could do nothing for me except offer that I could email their appeals department and maybe get the decision changed. But that only has ~50% turn-around. This company is a crook. They took my money for 3 years, never anywhere in their policy do they say they won't cover a common traumatic knee injury as an "accident". They define illness as anything that isn't an accident, and then get to make the decision without transparency as to what they define as an accident. Then I have no power to talk with anyone in a supervisory role to make a better judgement on it. Cannot talk with the person that made the decision, have to continue to do all the work to get them to do their part of our contract, and likely will have to get an attorney at this point for any hopes of getting them to payout a legitimate claim I put in. Just beware this could be your experience with them too!

the worst thing is they didn't solve anything for me

They denied every claim I submitted claiming it was a pre- existing condition- when it was not. ASPCA wouldn’t even cover the euthanasia for my dog who ended up having cancer. Initially, he was diagnosed with pneumonia and only after multiple vet visits did they determine it was lung cancer. The denied my vet visit claim and his end of life care. I paid hundreds and hundreds of dollars for absolutely nothing. I’ve signed my other dogs up for a different insurance. I wouldn’t trust them to honor any claims moving forward.

The fact they think they can justify raising my premium 44% YOY is unheard of. They want us to be ok with how spending 4k a year for a max return of $2500 is worth it.

HORRIBLE coverage--hardly covers anything and this company has the gall to charge customers $127 per month! Absolutely USELESS insurance! Additionally, keeps hounding customers to submit health records even when customers have submitted all health records and STILL hardly covers anything, which ends up costing consumers MORE money than not having insurance.

WOW! I was really hoping this insurance company would be the right fit. THEY ARE LIARS AND SCAM ARTISTS! I called repeatedly before I bought my insurance and was told the dental cleaning would be covered. IT WAS NOT because of "pre-existing conditions" I repeatedly asked about the Pre-existing dental issues and was told it would be covered. IT WAS NOT. ALSO, when I did get reimbursed, I had my account set up for a direct deposit. When I talked to someone on the phone they said they deposited it but my bank rejected it. MY BANK NEVER RECEIVED ANY DEPOSIT AND IT WAS NOT REJECTED! THEY LIE ABOUT SENDING MONEY! THIS IS THE WORST EXPERIENCE I HAVE EVER HAD!

It is the worst pet insurance on the market, this is a review from November 2024, they will never reimburse you for the invoices, they are a scam company, even the banks are suggesting you cancel since their accounts are always at zero

Horrible. Over charge and no help. Look else where.

I purchased dog insurance for my service dog when I got him last April 2024.

This is the worst pet insurance, I have never made a claim and my insurance just continued to increase. when I asked why they said age which is understandable, they also said because of the amount of other boxers were making claims. I dont see how my dog who is healthy should be charged for dogs that are not. I would even understand if it was a slight increase but an increase of 93 dollars. This is a total money grab company. whish I could give negative stars.