I just got an email that they're increasing premium from $38 to $60 in 60 days. Any suggestions on another insurance company?

Hello, We've had Trupanion a few years and it's an excellent product; we don't appreciate the way their representatives do business at times. Is there another business doing coverage that pays vets directly, when going to a participating vet, for accidents? Trupanion doesn't cover wellness and that's fine. There are some in the UK, hopefully the states catches upR

I have 2 dogs, 7 and 6 years old. They both have had some issues with lower back pain and suspected arthritis but not diagnosed. I got an email notifying me of my embrace insurance premium going to almost double! Can I switch insurance despite them being this old and having received physical therapy? Or are they pre-existing conditions that will prevent a new insurer from writing a new policy?

I'm currently on Healthy Paws for my 4 year old mixed breed (40 lbs). I was living in Illinois and it was 55$, but moved to Minnesota and its now 75$. Ive considered switching for a cheaper price, and because I have seen a lot of reviews here that the prices for Healthy Paws have exploded. Originally I was considering Pets Best but also saw a lot of reviews that they have gone down hill. So here are my questions 1) I have seen Chewy offers lemonade or trupanion in my state, and both seem to be well regarded. Why would I get the insurance through Chewy vs direct? 2) My dog definitely has seasonal allergies which I've been getting the cyto shot for. This falls under a pre-existing condition right? Would it be worth it to stay on Healthy Paws just for this? 3) If I did switch, there can be waiting periods for 2-4 weeks, so should I keep HP for an extra month while waiting? 4) Are any of the add-ons recommended? Ive seen that preventative is probably not, but Lemonade mentions vet fees, dental, end of life, behavioral, physical therapy... Would other insurances already include this?

My grandma has a dog and we helped her get insurance for him a while back, but her dementia has progressed quickly and pretty dramatically so my mom has taken over his care. (My grandma lives with my parents so she’s always had a big part in his care but now my mom has him full time). We have Lemonade. My mom told them what was going on and they said they could add my mom as a co-owner, but then she couldn’t make adjustments or any changes to his policy. Otherwise, she would have to cancel his account completely and start a new one under her name. She wanted to cancel it and start it under her name since sadly my grandma will not get better and she wants to add dentals to his plan, but he did have anal gland issues this year and lemonade said that if he has anal gland issues in the future they would no longer be covered under my moms plan because they would be considered a pre-existing condition now. Just looking for advice on what to do. It doesn’t seem fair, but I know insurance isn’t fair lol. Should we look at other insurance options? Or just add my mom as a co-owner? The anal gland issue was expensive so we don’t want to lose coverage on that if it comes back but also it sucks that my grandma has something we couldn’t predict nor control and now we’re in this predicament. Any advice would be helpful!!

Hi all, I am in need of advice. I'm not sure if this is the most appropriate place to ask. Ive had Embrace insurance for my two kitties for a year now. For one cat, it's amazing. For the other, Daisy, it's been kind of a nightmare. I had to increase her coverage midway through which restarted the medical review. That was my first big mistake, because while I knew it would come back with a temporary exclusion of a one time ear infection, I did not expect a permanent exclusion for ALL SKIN MASSES including cancer. Now, yes she has a small polyp on her outer ear that has never been diagnosed officially. It has been told to me by multiple vets that it's not a big deal and to leave it alone since shes had it since she was 2 and it was harmless. So when I saw that exclusion, I went through her medical records and found that I mentioned to the technician that she had a "growth" in her ear that was not impacting the ear infection, and my statement was put on the official medical records despite the veterinarian never putting it on her notes or as a diagnosis. She had one diagnosis: ear infection. A two month long appeal process would ensue where no one asked me anything despite me sending my specific concerns via email to the vet about wanting it known to the insurance it's not a cancerous mass, it's a polyp and it should not exclude all forms of cancer. The insurance would only speak to the vet who obviously had more important things to do than to deal with insurances, so it took forever for this process to come to a conclusion. The vet had no record of the mass, other than my statement to the technician, and ultimately that's what she told the insurance: There is no diagnosis of a mass and she has never noticed one on my cat. The insurance concluded that the mass didn't exist and officially documented the rescinded exclusion. My next mistake: I didn't say anything after because who would?? After a nonstop, 2 month, constant back and forth to get everyone to work together, there was a solution so I shut up and let it go for peace of mind. Now I feel absolutely f*cked because the polyp needs to be removed because she wont leave it alone and its turned into a deep cut that doesnt heal. The technician today wrote that she's had it since she was two and it's officially been diagnosed. Its a benign polyp, it's been biopsied after the appeal. Im so afraid to keep her insurance or submit a claim now in case im now "withholding information" or being fraudulent. I never denied she had a mass, I just denied it was anything more than a polyp and that's what I was trying to fight. What do I do??? She gets it removed tomorrow. Im afraid this being found in her medical records will impact future claims and I won't be able to move forward with removing any other temporary exclusions like the ear infections. I also have another cat on the policy who really needs insurance and im scared if they drop her, they'll drop him too. If you got to the end, thank you for reading this 🩷

After spending Friday with my 5 yo shihpoo in the ER with newly diagnosed IVDD, I went to submit my $600 claim only to discover my Wellness policy that I have had for the past 5 years was “expired”. I contacted Nationwide today and was informed that the policy is “no longer carried in your area and you need to reapply”. Now my dog has pre-existing conditions. I don’t remember receiving any correspondence regarding this (my policy was on autopay every month and canceled on May 1). Anyone else in a similar boat? I know Nationwide has been discussed ad nauseum, so my apologies if this is redundant.

I adopted my kitten in 2018, which is when I also signed up for Healthy Paws. The monthly premiums started at $24.57 and went up reasonably every year so it's now $43.17, but I just got a notice that premiums are doubling to $86.60 in 2 months. I see there are many reports of insane increases, esp. in CA where I am, so I don't know if that's why or if it's bc she hit 7 years, but I thought I'd check - is $86 reasonable for her age? The policy has been 90% w/$250 deductible. She's been pretty healthy w/only annual check-ups, so I was thinking I could change to 80% w/$500 to make it more reasonable.

Hey everyone! I just got an 8-week-old Australian Shepherd and signed him up for a policy with Pets Best. After reading through the contract, I noticed they have a clause that says even undocumented or undiagnosed conditions can be considered “pre-existing” if the pet showed any signs or symptoms before the policy start date or during the waiting period. Now I’m kinda paranoid and want to protect myself in case they try to deny anything later and try to blame it on that clause. I’ve read stuff online about insurances doing that. Has anyone else done a routine vet checkup right after enrolling, just to have something on file that says the pup was healthy at the start of the policy? Did it help? I’m thinking of doing one this week just for that reason. Would love to hear what others did — or if anyone’s dealt with a similar denial. Trying to play it smart before something pops up!

My dog is 10 years old (small mix 21 lbs) and we have had fetch insurance for 10 years. The premium increases yearly have been high, but this year it is ludacris. I just got an email that my premium will be increased from 1500 to 3000 this year!!! She has been pretty much a healthy dog except this past year she needed dental extractions. ideally, I wouldn’t want to change companies since she is an older age, but I cannot be paying $3000 a year. I have been looking for possibly switching insurances however, my concern is now that she is older and has had teeth removed—Is this considered a pre-existing condition? Sidenote, interestingly enough, I requested a brand new quote through fetch and they quoted $150 per month with the same coverage. Hmmm. Does anybody have recommendations for pet insurance plans?