If I could give less stars I would! I'm disgusted with the way customer service handles these cases. They also try to remove every possible coverage so you don't actually get reimbursement for the procedures.

Very bad experience

It honestly hasn’t been a good experience. After much back and forth for my dog’s allergy meds they still require me to see an in person vet which negates the purpose of having on online vet. They originally said I could pick up my prescription at my local pharmacy but wouldn’t send the prescription to the pharmacy. Everything seemed to be about buying products from them rather than being about what was best for my pet. A complete waste of my time and it’s my dog that suffered.

The vet was completely unprepared for the call that she took outside in front of her garage. I was looking for some long term maintenance for my cat chronic kidney disease including subcutaneous fluids and prescription medication. She said that is not something she can help with and she can not help with medication either. I found Dutch advertising to be completely misleading.

When your website is working I like how easy it is to enter a claim.Fixing a problem that was partially created by my vets billing system and therefore misunderstood by the claims person has been extremely difficult and time consuming on both ends. I had a conversation with a very nice rep and how to fix it. It still took multiple finding of receipts for heartworm meds (not covered in my policy so did not keep them) including for winter months where one does not have to give the meds here in Maine (too cold for ticks and mosquitoes). A script from my vet I had hoped would have fixed this but no.

There has been very little useful communication about my claim. It’s been over a month and even after multiple emails and a phone call , zero updates. Even when you call , the associate can’t see or locate all the requested info I sent and asked me to resend it. The associate also promised a phone call on same day with an update and failed to follow up.

Forced change in reimbursement level from 100% to 80% while simultaneously raising premiums.

Pawp has a list of emergencies that are covered under their policy.

Very difficult to communicate and submit a claim

I insured my 6-month-old puppy after a worry that she was allergic to her food - it turns out she wasn't. Now she is 2.5 years old (I've been paying $100+/month during this time) and has skin rashes that the vet can't clear up despite multiple different treatments. ALL of which are declined as a pre-existing condition. I hate this company so much - they act like they care and weasel out of any payment they can no matter how flimsy the excuse. Avoid at all costs, it is just throwing your money away.