Scam. Adopted a dog from the Humane society and signed up for coverage the same day. Had a vet visit the next day and the claim was denied bc my policy ended the day before the visit. How? No one to talk to. Don’t waste your money.

First claims they approve with no issue once you have had them for a while they deny deny deny, terrible to get in contact with. I am so mad I paid all this money and they cover nothing. Do healthy paws or aspca insurance honestly so much better wish I got them.

We submitted all documents for a consultation, surgery, treatment and follow up with a cancer diagnosis. Not only was that devastating enough to go through, and we are still going through it but our claims were denied. The tumor that was diagnosed and removed all under the time frame of having your insurance coverage was denied due to it being deemed a ‘pre-existing’ condition. Back in 2021 our cat had developed a fluid filled cyst. Over time those cells changed and we were unaware it had become cancer (a rare tumor for a cat) until it was removed and tested under a routine dental cleaning. This is a NEW diagnosis as it was no longer a cyst. We had coverage, but MetLife failed us still. It’s been a nightmare and now we know we can no longer depend on MetLife having our best interests for our animals as their top priority. It takes time and a lot of research to find a reputable insurance carrier for animals. I have begun that research. While our plan has already rolled over we will have to wait until the next term to sign with another carrier. But now, since this cancer was not covered by MetLife -we will have likely no coverage for this elsewhere. How disappointing we have always paid our bills to you timely, have four cats under your coverage and have to deal with this on top of a cancer diagnosis. I wish this on no one, it has been an awful experience and I can no longer recommend this insurance to others. I had my parents sign with MetLife, my sister, and two friends. All this business I have brought to MetLife when MetLife didn’t have our backs. We did the right thing, we got coverage, take great care of our animals and this is what we get in return. We pay into a policy that would not stand by us in the worst of times. Thank you for reading this, if someone even does

My cat isn't insured and last week he had an impacted poo (bum open but stuck) so I had to take him to the emergency vets to get it taken out (sorry if tmi). He has been fine since then and is passing normally. I am thinking he might have had a reaction to a new cheesy cat food I'd been giving him, but not sure. I searched around for insurance as I'd been meaning to for ages. Most animal insurance doesn't cover previous conditions and related conditions might not also be covered. ManyPets do though, with a few caveats, which I am grateful for. Kayleigh explained things to me in an email and I have decided to go with them based on them giving our cats a bit more of a chance in life. I don't think it's fair to have a blanket ban on animals for life if something they had treatment for happens three years later, and ManyPets also get it. They obviously have to cover themselves but at least they have the option for our babies.

Every time I submit something, they tell me that it’s not covered. I’ve been spending money on this insurance for so many years, and it’s just been $$ down the drain while I pay full price at the vet.

This is the fourth time I called regarding the same issue. Hopefully it will be worked out.

Switched from Pet Secure when I got my new kitten, the process was quick and easy. after the first year they increased the payment from 30 - 40 ish, that doesn’t impress me let’s hope it’s a once in a while thing.

Worse insurance I’ve ever dealt with I try to make a claim for water damage to my property and they just fob you off

I've been about a claim for almost a month and nothing they give me answers!

I have been an ASPCA customer for over 2 decades. They used to be wonderful & I sung their praises in prior reviews. Now, I will never donate to The Guardian Plan, nor will I carry my pet insurance with them ever again. Not trusting The Guardian Plan??? It is difficult for me to reach that point, but they earned my distrust over the last few years. I love animals & will continue to do things that support rescue efforts, but it will never happen via the ASPCA ever again. I have been a pet insurance policy holder for well over 2 decades & I now see that greed is the driving force. I work in a management capacity with a large international company & I know that profits are massively important. I also know that integrity should always be at the forefront of anything that a corporation does, so that we maintain the trust & transparency that any customer needs, in order to maintain a positive relationship. The ASPCA’s repeated failures to keep my trust have led to me canceling my partnership with them with regard to both my insurance coverage and my Guardian Plan participation. It saddens me to pull my financial support from an organization that I once felt deeply held the same convictions towards the protection of animals that I hold dear. I attempted to express my displeasure on some direct phone conversations. I felt that it was important for me to speak to someone personally so that I might properly express where I was coming from. I was met with some very polished “Corporate Talk.” I was impressed by the resources that had obviously been utilized to prepare their customer service staff to rebuke the kinds of poor customer service that they were providing. They clearly felt their money was much better spent on training their customer service staff to provide spin for the concerns that their customers brought forth, rather than just paying out on the claims that their customers had been paying for over the course of years. I felt it was important for me to share my experience so that someone else, who may be relying on the organization to hold true to their word, might not have the rug pulled out from under them. It may not sound like it from this review, but it really does sadden me to see how a once good organization no longer lives up to their promises.