I’ve had my two dogs insured with Healthy Paws for almost a decade, and at first, it seemed like a great choice, claims were really easy, they seemed like they cared by sending good will messages after a claim etc. Monthly premiums started at around $30–$40 per pet, then slowly crept up—$50, $70, $90. It was annoying but manageable, thought it was normal as dogs aged and there was also inflation. Then, things went off the rails, I think it's because they were acquired by a bigger company (that's my speculation tho). My premium was already high at around \~$250/month for both dogs, but now they want **\~$550/month**— more than double overnight! No new benefits, no explanation, just pure corporate greed. It’s clear they’re taking advantage of longtime customers with older pets, knowing we have fewer options due to pre-existing conditions. It’s a disgusting, predatory practice. They assume people won’t leave, but I’d rather pay another company—even if it costs more—than reward this behavior. **I'd say avoid Healthy Paws at all costs.** Also if anybody had changed insurances at a similar point and were happy after please let me know!

Basically my ex lied about his dog who was his sister’s first. She has been insured since she lived with me with my ex. I put her under my GSD’s policy and I’m glad I did once she was abandoned lol. Anyways, Lemonade uncovered her past medical records that I didn’t even have. Due to this, they tried denying an entire claim, which included a new illness. I kept escalating it and finally they agreed to cover some items pre-existing and agreed the new illness was to be covered. You won’t be able to argue everything but don’t be afraid to keep pushing back if you disagree. I made them keep the case open for 6 months until it was correctly resolved. Also, Lemonade does have a phone number.

Just a rant from your friendly neighborhood pet insurance claim adjuster: Disclaimer: I am not speaking for the company I work for or the brand. Some of these things are not universal to all insurance companies, so you should read your policy documents and not take my word as gospel. I’m trying to help ALL of us have a better experience here. *bow* Welcome to my Ted talk. Sorry for any typos… I’m human.. contrary to popular belief. For starters….Please. For the love of god. Attach your invoices, and make sure they are itemized and paid in full. No- the credit card receipt doesn’t count. We need itemized invoices. No estimates don’t work either. PAID IN FULL, ITEMIZED INVOICES. Also- while we’re on the topic of invoices… be sure that invoice says the pet name, hospital/store/pharmacy name and is for the actual pet on your policy. If your pets name changed- for the love of god, notify us. My crystal ball quit working a longgg time ago. No a random CVS/walgreens/costco receipt doesn’t work. It needs to have the med name on it if it’s for a medication. Do you think your car insurance would just take some random Walmart invoice that said “ASJEUDH875” and trust your word that it’s for the car? boAbsolutely not. Do not expect me to accept it either. Stop asking if you should appeal a decision and just do it. You are within your legal right to appeal a claim decision if you do not agree with the outcome! This does NOT mean it will be automatically overturned in your favor. Claims adjusters are humans too and we can make mistakes or misunderstand or misinterpret something! A lot of us are previous vet techs, assistants, etc. but some of us are not and may not fully understand disease processes without the medical records being abundantly clear. Also- some of these vets medical records ABSOLUTELY SUCK and we are rarely (emphasis on RARELY) able to get in touch with drs to get clarification. and when we do?! They are rude as hell and want nothing to do with us. You know how it’s nearly impossible for you to speak with your own vet and you pay them? ….yeah they absolutely won’t talk to us. Also- be nice in your appeal letters. I don’t need to have you threaten sicking your lawyer on me. And honestly- we make fun of you behind the scenes when you act like an animal and try to use big words that you don’t understand. Again- we are human. Give us the opportunity to either make it right or to explain to you why we made the decision that we did. Let’s allllll act like rational, civilized adults here. And guess what?!! If you still think we’re wrong- there’s second level appeals and sometimes even third level. Most companies also offer an independent review after so many appeals! So just chill the hell out and let’s work through it together. Don’t get me started on the old school vets who still have handwritten records and invoices…. Speaking As a former vet tech, it should be illegal. If you have a vet who still hand writes their records and invoices… it’s time to find a vet that lives in this century. You really think your pet is getting the latest and greatest care when their DOCTOR can’t (or can’t be bothered to) figure out a computer? Let that sink in… Do not make us ask for records when you file your first claim. Just send in the required amount per your policy (typically 12-24 months of previous records. Read your policy). It slows the entire process down, we get frustrated, it wastes our time (and your time) and everyone involved is sad that the claim can’t be closed. Then you- the insured- throws a massive fit. Just do what’s required of you in the first place. Let me be so crystal clear on this. I WANT TO CLOSE YOUR CLAIM. I want so badly for your claim to be closed quickly and quietly. My production at work is measured in the number of claims I CLOSE. I do not get credit for the ones that get sent for records. I do not get credit for the ones I have to wait for payment information. I do not get credit for the ones that are not workable yet. Also- in that same vein. I WANT TO COVER YOUR CLAIMS. I want to pay you out money. In fact- we are trained to look for ways to pay you. It’s more work for me to deny your claim than it is to cover your claim. There is paperwork and explanations and it’s a whole process to deny something. I am lazy AF. I don’t want to do all of that if I don’t have to. However- when an insured doesn’t understand how their policy works and then opens a policy for their dog that’s had raging allergies its entire life and then files a claim for the same allergy medication the pets been on forever… come on people… HELP US HELP YOU. Edit: One more thing to add! If you have the ability to put what the claim is for when you file it (ex: ear infection, vomiting, ate a sock, hit by a car) it’s so much easier and quicker for us! I am usually able to process claims by the description as long as the invoice seems to match up with the claim description. If all you put is “see invoice” or “illness” then I have to request records to confirm the condition and that takes up so much time. Give us the information up front! Again- help me help you! ❤️ I’m sure there is more that I could go on and on about. But honestly this is long enough at this point. Who knows… maybe I’ll add more at some point. What do I want you to take away from this? Help us help you. We want to help you. We wouldn’t ask for something if it wasn’t important. And we are human beings too. Please be kind. Small favor: please keep attaching pictures of your pets when you submit claims!!! We share them amongst ourselves and it really reminds us why we do what we do! It’s nice to put a furry face to the names we are helping! And… who doesn’t love staring at cute ass animals all day…. Feel free to ask questions! I’ll try to answer. Don’t get nasty- I won’t entertain you if you act like an ass.

So, in case anyone was curious, I posted [HERE](https://www.reddit.com/r/petinsurancereviews/comments/1io7ggn/fetch_pet_insurance_prescription_sublimit/) and [HERE](https://www.reddit.com/r/petinsurancereviews/comments/1j4f71u/update_fetch_pet_insurance_deceitful_enrollment/) about an ongoing issue with Fetch Pet Insurance about a "prescription sub-limit" applied to Virginia, USA policies and wanted to give the final update as far as I am aware. TLDR: Fetch pet is rolling out a "prescription sub-limit" of 1500 dollars on all applicable policies, that applies to any and all medications (including ones given in hospital and during surgery). This sub-limit was not disclosed to me nor does it exist on any of their publicly available documentation. My dog had surgery in January and a portion of it wasn't covered because they applied all of the medications used in that surgery to the sub-limit, and I was informed that for the rest of the year no medications would be covered due to this sub-limit. I made a report to the BBB and contacted my states insurance board to see if this sub-limit was appropriately filed with them. Haven't heard back about the BBB complaint but my state's insurance office did confirm that Fetch filed the sub-limit with the state. I have no idea what other states this is applicable in, because there's still no information about it on their site, probably because they don't want people to know about the bottlenecking they are applying to policies. After quite a bit of back and forth, I've been informed that my and several other individuals who had surgeries are having those claims reassessed and that surgical medications will not be imposed against the sub-limit. They are adjusting the under-writing language to specifically change how they assess anesthetic drugs, but all other medications (nerve blocks, pain management in surgery, and antibiotics given in surgery) will still be applied to the sub-limit. With my reassessment, I received the remaining balance I was owed from my dog's surgery and now have about 850 dollars left in my prescription sub-limit for the year. I'm still quite a bit miffed that they were able to apply such a restrictive sub-limit to my policy without informing me, and this sub-limit is still applicable to medications given by veterinarians in-hospital, but at the very least they are not applying anesthetic medications to this sub-limit any longer. If you had a surgery only partially covered by Fetch Pet Insurance in the past year due to complications surrounding this sub-limit. Please submit an appeal, I've been told (on a recorded line) that they are reassessing any surgical claims made using the previous underwriting language surrounding this policy.

I recently had to cancel my insurance policy within 24 hours, and I was charged a $12 enrollment fee. Dianna, a manager from MetLife Pet Insurance, mentioned that while they will refund the premium, the $12 enrollment fee is non-refundable and isn’t included in the premium. Just a friendly heads-up for fellow pet owners!

We purchased Spot Pet Insurance for our newly adopted rescue Golden and chose “Accident” insurance only . They happily took our application and all monthly payments since July 2024. Over the weekend, he suddenly became lame on his back right leg and was very reluctant to walk or stand up. We know it occurred between his am walk and 3 pm. After taking him to Blue Pearl and getting imaging done as well as pain meds, we submitted our invoice for reimbursement. DENIED. Reason why? We didn’t have the EXACT time of the injury. I submitted an appeal, but if it’s denied we are cancelling. We would be better off putting $100 bucks a month away in his own health account. What a bait and switch!

Hey denied my cat’s mycoplasma diagnosis because his first vet record shows he was sneezing (self report by us.) however, he is a Persian and they tend to sneeze for no reason. The sneezing he was doing when he got sick was WAY different than just a smelling around sneeze. Now they’re saying it’s a preexisting condition when it’s not! (It was a bacterial infection, he didn’t have it when we got him for sure). We got him in December and he got his cold in February. I’m so upset and really regretting getting Lemonade

So about a month ago, I took my dog in for her routine dental cleaning. While she was under anesthetic, the vet discovered that she had gotten a stick that was wedged right across the roof of your mouth and had punctured her gums on both sides, requiring 2 of her premolars to be extracted. I filed a claim but it was denied because years ago (all the way back in 2019) there was a record of some peridontal disease at a completely different vet. Trupanion is saying they won't cover this latest incident because of that prior history, even though I've been with Trupanion since I got my pupper. Is it even worth the effort to try appealing this? I just feel like the damage to her teeth was not really caused by periodontal disease, it was more of a freak accident because she chewed a stick.

I currently have 3 cats. I've had policies with Fetch (previously known as PetPlan) for nearly 2 decades, and they have covered half a dozen different cats during that time, including my current trio. Fetch has never had the cheapest policies, and it always took a while for them to pay claims, but they always provided good coverage and did not engage in the scummy bait-and-switch practices so common to other pet insurance companies. All that changed Monday. To provide some background, two of my three cats are middle-aged littermates, a female and a male. The boy is generally healthy except for the occasional herpes virus flare up. He's had those since he was a kitten so Fetch considered them a pre-existing condition and has never covered any of those expenses. Fair enough. His sister suffered a serious illness in 2023 and was ultimately diagnosed with small cell intestinal lymphoma. Due to complications during the initial work up, she got aspiration pneumonia. She nearly died and had to spend 10 very expensive days in the ICU. She recovered from the near fatal pneumonia, but unfortunately the lymphoma is terminal and all we can do is give her medication to keep her comfortable and slow the progression. If we're really lucky we may get a couple more years with her. Since her diagnosis in 2023 she has had to see her vet every couple of month for blood tests because the medications suppresses her immune system and can have serious side effects. So, she incurs regular medical bills, but nothing near the expenses she incurred in 2023. Both cats had their policies renewed in 2024 with moderate increases in the annual premiums. Today I received my renewal documents for 2025, and I am absolutely floored by what Fetch has done: * **Fetch designated BOTH cats as high risk and forced them into high-risk policies.** * **The female's 2025 premium went up by about $75 to $1380 per year, but the deductible quadrupled to $1000 and my co-pay went from 10% to 40%!** * **Even though her brother has rarely been sick and never with anything serious, his 2025 premium increased by $817 to $2200 per year, his deductible doubled to $500 and my co-pay went from 10% to 30%!** I had expected the girl's policy costs might increase, but there is no justification for what Fetch has done with her brother's policy. I called Fetch to get an explanation and see what could be adjusted at least for the boy's policy. Their answer was, "Nothing." Take it, or leave it. This is how Fetch treats customers who've had policies with them for decades. Just a big middle finger. Fetch was bought by a huge private equity firm a few years ago and these predatory business practices are the result. Wall Street has been buying up veterinary practices and pet insurance companies with the goal of consolidating the industry into monopolies that will rob pet owners blind. For Fetch it's either pay up or put fido to sleep.

Today I bit the bullet and got Embrace. My mom has spot for her animals but only accident and illness. I chose embrace because it was a little better financially and would cover wellness exams. I wanted to see everyone’s opinions on different insurances. I get the impression that many don’t like embrace which is a little worrying to be honest, but I’m going to wait and see how I like them after I get my dogs anual done. She’s older and I just wanted her to be covered by something before I bring her in. Seeing that most if not all of the insurances will not cover anything preexisting. I did ask about a preexisting condition in my dog (torn ACLs) and if it would be covered since that hasn’t been an issue for years. The lady I talked to said that since it has been an issue in over 12 months it would be fine, which I found pretty surprising tbh. She explained it like - if your dog had a belly ache 3 years ago and it came back that’s something they’d cover. But if it was a chronic thing before you started insurance then no.