To start, I must say I am very familiar with contractual language, terms, etc. With that being said, I specifically combed through multiple providers agreements to ensure I'd have coverage for specific events. MetLife has denied all of my claims & appeals for of course, it having been a preexisting condition. That in itself is hilarious - during an annual checkup my vet and I were discussing how she's been and I mentioned a little sleepy that week but so was I and they diagnosed her with "lethargy". Either way, unless reviewing their policy certain tests and medications would appear to be included under coverage regardless. It's difficult to give specifics over Reddit, but I figured someone may be able to direct me on how to pursue this further.

Now paying $500.94 every 6 months for our 5 year old goldendoodle. We have minimal claims in the past year. Went up significantly this year. Does this sound right around everyone else? We feel like this is a lot to pay but nervous to go down on our coverage in case of an emergency.

My five year-old spayed female Pomeranian mix has been insured by Healthy Paws since I got her at eight weeks. They have reimbursed me for the full amount of my coverage within 36 hours every time, no questions asked, and our monthly premium has only increased slightly over the last five years ($40 to $45). However, I have heard a lot of stories about people who have had their monthly premiums with Healthy Paws increase by obscene amounts as their dogs get older. My pup does not have any history of medical issues so far—I am considering switching to something else while she is still young and healthy. Is that a good idea? What would be a better option? Any advice would be appreciated. We live in Los Angeles. Thanks!

How is acupuncture not “alternative and holistic” but PEMF is? I’m treating hind leg pain and arthritis in my young dog, was recommended to get PEMF involved, but I just checked our policy and it’s not covered. Anyone have any success with appealing PEMF coverage? I’m sure that I’m out of luck as it’s specifically excluded in the policy, but I’m wondering if it’s worth pushing for with a vet note.

Just a warning to all pet parents. I got two cats from different shelters and signed them up together. One was from a partner shelter and should have been covered from day 1. The other could only start coverage after 2 weeks. Metlife continuously mixes up their names and denies claims for pre-existing conditions, even for the cat from the partner shelter. Sucks because I heard so many great things about them, but I haven't had a successful claim processed in 4 months of owning these cats. If anyone has tips on how to deal with pet insurance that would be really helpful.

Had an accident the other day my insurances says I’m 30% and the other party is 70% so what will I end up paying out? Even though the police said he was 100 at fault. I haven't seen the official Police report yet, not sure if the Police added he was at fault in the report. Hoping he did as even with dash cam it shows him hitting me in between my Drivers front fender and Driver's door which I can't open BTW. How can this be my fault in away.. State of Florida is weird with reports they only gave names and insurance info which the other party gave false information for New York driver.

I need some insight from others who seem to be having the same issue with rate increase on their dog’s premiums. My senior dog is going from $179 to $410. I cannot afford it but i need something in case he has an accident / medical emergency. What are you doing if you’ve also received a high rate increase? I understand pre existing conditions are not covered if we switch up. He is currently on an Apoquel medication for lifelong allergies, and so far so good healthwise. He is also a Saint Bernard so as a giant breed, they do not have a longer lifespan. We live in California. A quick search showed me ASPCA pet insurance, which i didn’t know existed… Any advice is appreciated and thanks in advance. Edit: typo on ASPCA 😅

Has anyone subscribed to a Metlife cat insurance lately and selected the preventive care plan (375/575)? Are the individual limits (dental, Microchip, etc)clearly outlined in the policy packet? I bought a plan for my cat in March 2024, and there was no such limit (so the preventive care limit for a dental cleaning was the same as the original policy limit). I guess they were the only one to do that and they aligned with most other insurances.

Hey everybody, I hope it's alright to post as I'm from the UK but we are in the south west and my elderly grandmother (I think she is around 87 but she hates telling us her age) Has been being charged 85 pound a month according to her bank statements by pet plan. He is an elderly jack Russel now but she would have got him insured a lot younger but I'm not sure of his age exactly. He has no pre-existing medical conditions and my grandmother is not very good at managing online but she wants her independence. Can anybody recommend a pet insurance company in the UK that is easy to use/acsess the details of? TLDR: What is a good easy interface/acsess pet insurance company for a senior jack Russel?