I have been trying to resolve a claim for a visit in mid-June with my dog for an emergency nail removal. This procedure required sedation and a minor operation to remove the entire nail to the toe. I just lost my other dog to cancer 3 weeks prior to this and I lost my first dog a couple years ago under anesthesia for a routine procedure. So I have a little bit of dog PTSD, particularly when it comes to putting a dog under sedation.

The coverage says it's immediately available, yet my claim was denied for an appointment that happened after I signed up for coverage and I've been waiting for over 3 weeks for customer service to get back to me on why, but it's radio silence on their end.

I am a new customer to this company and so far highly disappointed. They covered 25$ of my pets’ ANNUAL heart worm injections. I had a 700$ bill for wellness with added medical conditions of ear infections, the covered less than 400$ of it. I am considering going back to my higher premium. Less is not always more.

I found it very difficult to file a claim. I wanted to mail it because I don’t have a computer. I had to have a friend take it home and file all my vet visits. They even hung up on me when she was talking with me. But I have to say after allot of stress they paid most of the bills after meeting my deductible. My dog was a rescue and they wanted all medical records before I rescued him. I sent what I had which was not easy to get. I thought about cancelling but I will wait and see how it goes with my next claim.

If you are considering this insurance, please shop elsewhere. I had a supervisor named Katie laugh on the line at my disgust because they are not covering my dog’s hernia surgery based on something that was vaguely written in the policy that they utilized to deny me. I’ve spent $100 a month for two years and when I finally need insurance, they are not there to help. They will do the same to you. It is a disgrace that people who are supposed to care about animals could be so immoral. Please shop elsewhere. Personally, I wouldn’t even bother with pet insurance because it’s a scam!

I paid for the insurance on 8-28-24

I have a claim but I’m having difficulty finding where and how to file a claim. Now my monthly payment is past due and I have no money to pay for it as I was counting on my reimbursement for over $1000 visit to my dogs veterinary. I can make my payment if only I can get reimbursed. But seems like I’ll be dropped by you before I can even file

Terrible company, do not trust your pets health with these people.

I completed a claim at the beginning of August and still haven't received my refund. Hoping this second claim goes better. Other than that, it's a good company when you have fur babies to take care of.

I signed up for "complete coverage" on April 5, 2024. On June 19, I changed vets. New vet wanted to do X-rays. That's when hip dysplasia was diagnosed. I submitted all paperwork from both vets. After a lengthy process, they rejected x-ray, meds, FHO estimate because of pre-existing condition, even though we were beyond the 14 day waiting period that they advertise and condition was not diagnosed before coverage began. They said it was pre-existing because the SOAP notes had a reference to a "limp" in March, even though the vet told me it was not an issue because my pup had good range of motion in both hips. I would have been much better off putting my $83 in the bank. Needless to say, I feel like they have false advertisements.