I currently have Pets Best for two of my dogs. I have the more expensive package (not just for Wellness and/emergencies). I got this insurance over the summer when my vet recommended it. One of my dogs, Eve, has pretty bad dental disease and will more than likely need dentals every 1-2 years. Pets Best denied everything related to her dental due to it being a pre-existing condition. Fine, I guess, although I was hoping they would at least cover her pre-surgery blood panel. While she was under, she also had X-rays done of her hips to check for hip dysplasia due to some gait issues. They also denied that as a pre-existing condition. Okay... My other dog, Cora, is currently being worked up for something. She has a dexamethasone test to rule out Cushings. This test was also denied as a pre-existing condition. Here are my questions 1. Should I try to argue with them to cover any portion of these things for my dogs? Is it even worth it? 2. Is there another insurance company who is a bit better? 3. Or should I forget pet insurance and just use the cost of the premium and put it in a separate savings account for my pets health specifically? I should add - I expected to pay for Eve’s dental. I know dental disease is rarely covered under insurance. My vet and I were hoping they would at least cover some blood work and the hip X-rays Update: I just called and canceled my policy with Pets Best. The customer service rep was actually really sorry when I explained the situation. She even got me a refund for the remainder of the month that I already paid for. I’ve decided to just setup another savings account which I will pay monthly into to save for my vet bills.

After paying $60 bucks a months for almost a year, SPOT has denied every single attempt at being reimbursed and rejected every appeal. The rejection to the appeal contained information that was absolutely not true like that the symptoms started in the 14 day waiting period, even though it was for an emergency surgery many months after we started the policy. When I asked what next steps were, since there was clearly incorrect information in the rejection, I was told there was nothing they could do. It's thousands of dollars, it's exactly what we pay insurance premiums for. It's the holidays and we are completely broke. We were counting on having this money reimbursed so that we could make rent this month. It's just pure cruelty and I don't understand how people like this sleep at night. AVOID THIS COMPANY LIKE THE PLAGUE.

hello everyone! I just adopted a cat, a 1-year old female (spayed, no previous health conditions). she's been to the vet, and they didn't note anything out of the ordinary. I was going to go with trupanion, but have seen a lot of mixed reviews about their compensation policy (something about per condition). I was wondering if anyone here has been in a similar situation to me? what insurance do you use for your cat?

Hello, I just found this sub. I am looking at getting pet insurance. I have a 3 month old cavapoo. I was going to go with fetch until I saw all these horror stories. I am in Canada. Any suggestions? I got quoted $108 with trupanion. Seems high. Fetch was like $60 with the wellness. I notice they all jack up premiums based on whatever yearly too. Even if trupanion says it's not based on age, they can blame it on whatever. I asked them and they said they're is not cap on how much premiums can increase. I understand it's a gamble. Might never need it but I want the piece of mind of having coverage.

Hi guys ! I'm considering switching pet insurance plans for my 6 year old mini Aussie. I currently have MetLife Pet Illness and Injury, but with one minor shoulder injury - maxed out my benefits after one visit. As my baby gets older - I want to make sure I have the best coverage for him - especially with ortho treatments ( ie. PRP injections) Any Recommendations would be very appreciated !

I am debating between nationwide and costco pet insurance for my new 8 month goldendoodle puppy. Figo is $40 cheaper than nationwide. Nationwide is $93 a month 80% coverage $250 deductible. Figo is $53 a month 80% coverage with $250 dedutlctable. i have had nationwide for my older dog who got chemo treatments and front leg amputated 3 years ago and they covered 90% with $250 deductible. I've had 90% coverage for 8 years untill 2 months ago. Nationwide sent me a letter saying they were cutting coverage from 90% to 50% for my 12 year old dog.

**TL;DR - old dogs, medical history, am I stuck with my current insurer?** (that doesn't add any info to the title of the post but oh well. And yes this post is too long) I have two Portuguese Water Dogs, a [10 year old black curly male ](https://imgur.com/wFUAoUd)and an [8 year old brown curly female](https://imgur.com/xHxNAZn). As older purebred dogs, they've been to the vet once or twice ;-) [Besties](https://imgur.com/sPSnlRh) (and cousins) My dogs have been insured with the same company (H.P.) from as soon as they were eligible as puppies - 8 weeks plus the obligatory waiting period. I would love to be able to leave this company as they have become quite expensive, and their incompetence processing claims for us is truly staggering. They reflexively reject claims as "not covered office visit" when the claims are not for office visits. My dogs recently ate raisin bread (ugghhhh) and so there are a lot of vet bills and it's been three times now they've done the exact same rejection pattern - despite my calling in and saying "you've rejected correct claims before, can you please process these correctly". Apparently they can't. They are owned by a billion dollar company (Chubb) and I guess they need my money for the CEO's granddaughter's golf lessons or something. Maybe it's not intentionally trying to rip me off. But if that's not it then they've been unbelievably incompetent. Which is worse?? Of course I have no idea what the future holds for these dogs - whether they'll need care for preexisting conditions or not (or for something that the insurance **says** is a pre-existing condition.) The older boy had a mysterious illness as a puppy so that is in his record (though from another vet in another state, maybe it wouldn't ever be found); he's had positive Lyme titers on more than one occasion; and he had acute kidney injury (based on his creatinine) from the raisin incident that may or may not have resolved. The girl never showed abnormal values from the raisins but got IV fluid treatment so it's in her record. She also has been seen for recurrent UTIs that are controlled with special food that controls her urine pH. Backstory is We previously had two PWDs [D & B](https://imgur.com/WN920VF), ten years before D died of cancer and one of them ended up in the ER and as the result of a complete medical and administrative dumpster fire, we ended up spending low five figures to keep her alive AFTER the vet practice KNEW she was completely riddled with pancreatic cancer. (Dog medical stuff is no fun!) We had to take out a loan from one of those companies that has brochures on the reception desk of vets, plus put a lot on credit cards. :-( After that experience we resolved we'd insure our new dogs and went with HP because they had no lifetime limit, and we didn't want to have to make a dollar decision on a dog's life. Also at that time I don't think HP was owned by Chubb (?) They seemed like a small soulful outfit out of Seattle and genuinely wanted to provide a service to pet owners. I may be wrong about that though. At any rate Chubb owns them nowand probably the original owners are enjoying their retirement in a 7000 square foot mansion in Bali built entirely from reclaimed Indonesian teak temples. But I digress. So - I'm stuck with my existing insurance? Pre-existing conditions seem to be ixnay for the pet insurance industry (for reasons amply explained in this sub), and if there are any loopholes or allowances it seems like my dogs are exhibit A for not fitting through. Thoughts / insights / advice / comments on how cute my dogs are, much appreciated.

Hi y’all. I recently opted to cover my cat. I’m paying a bit more than I’d like to, but I’m willing to keep the policy if it’s a good investment. My cat has a preexisting condition they won’t cover. That sucks. Online I’m seeing customers were dropped due to aging pets. What are your experiences with this company? Is it ok or should I run in the other direction?

My pup just got cancer, and I’ve had her on nationwide for 12 years, I signed up when it was 90% coverage, excluding wellness and they used to pay out reasonably well. They hide it in the small print but they have extremely low limits for most categories - meaning I will be paying 70% of this out of pocket. The diagnostic limit alone is $1650 which is 25% of an MRI in my area. My other dogs are with healthy paws and pets best - I am sick that I didn’t move her sooner. If you see this please just move your pups rather than suffer.

I have a two year old mixed breed dog he has been on Fetch pet insurance since I adopted him as a puppy. I was paying about $25/month. The first year I did not make any claims so it did not increase. This past year I did have to make about $5,000 in claims which led to an IBD diagnosis. I have not made any claims since then. I just got my renewal notice and the new monthly cost is around $60/month. This doesn’t seem reasonable for the low coverage limit I have. This seems like an excessive increase. Is it worth switching pet insurance to something that has better coverage and is less than half the price but won’t cover pre-existing conditions and just saving the extra money for when it’s needed? What would you guys do?