Received a free year with T-Mobile but they immediately said it expired and now I will be charged a premium for one year. It was less than a few weeks. I filed with better business bureau. It's worthless. Not real insurance.

Unfortunately I had a terrible experience with this company. I am a huge animal lover and I am also an insurance agent. Initially I wasn’t aware you needed to video call their vet to get approval and the reason I wasn’t aware is because they don’t tell you, however it’s in the fine print, which is A HUGE thing to not tell your clients right off the jump. When I came to them they gave false hope stating they can still possibly provide the coverage as long as the documents I send in show everything that happened for his emergency visit. Well I sent them in extreme detail my dog was hospitalized for 4 days with pancreatitis and after no one answered me for 2 & 1/2 weeks they finally emailed back after threatening the BBB, saying my claim wasn’t accepted since I didn’t video call with their vet. They also stated they had no way to contact me this since they were sent to spam. I find this puzzling since I’ve gotten several emails from them in the past. Not sure why on earth they tell clients to send in paperwork since they can approve it after the fact, knowing they have no intention of doing so. It’s clear now how they make their $ and it’s to avoid paying out claims… all while I’m trying to get ahold of someone via email regarding the status of my claim they made sure to charge me for my monthly fee which is at this point comical they also made sure to tell me they won’t be refunding me that installment. Anything to squeeze out every cent from your clients is not an ethical company the fact that they made sure to tell me they’d see on my claim being approved and then ghosted me for 2 weeks, only to deny the claim the day after they made sure to take my monthly installment. Take this as a sign to sign up with a more reputable A rated carrier that doesn’t have hoops you need to jump through. Just signed up with Lemonade. I’ll be reporting these unethical practices to the insurance commissioner.

I would normally give Pawp a five but I woke up today to find out that they have completely changed. I have been a member with Pawp since it was just $19 a month. I was covered up to $3000 and had unlimited vet talks about any issues, anytime. I used them a lot; seeing that I have five Dogs. I could reach out day or night. My first disappointment with Pawp is that they no longer pay the emergency bill directly; they now reimburse you just like the other pet insurance (so we know what that means? Red tape and potential denials). The second issue I have is like I stated above; I use to reach out to them day or night for minor to serious issues. This was extremely helpful in avoiding unnecessary visits to the vet. Now it seems that they want me to pay a annual fee of $99 to have access to 24/7 vet support. The third and not such a big deal issue is I went from $19 to $24 a month. I do not mind the price increase for the same coverage cause I loved what they offered and felt it was fair. But $24 a month plus $99 a year is in my opinion unacceptable. I am very disappointed with Pawp. The thing that made them stand out is the $3000 protection. There are a lot of pet parents that do not have that kind of money laying around. Pawp gave us that peace of mind. With Pawp I had no worries that in the event of something serious they would be there with $3000 to help and I would not have to navigate through red tape to cover my Dogs bill. I hope they change back; if not I will be canceling them. Cause if I have to pay upfront then what’s the point of them?

My dog loves the turkey and sweet potatoes treats I'm happy to join the club they will always get my business

No acknowledgement of

Very dissatisfied. I do not typically write negative reviews, but his one is concerning as a money scam. ManyPets makes it really easy to enroll, simple easy website enrollment. Immediately start taking premium payments, all easy. When comes time to process claims, a different approach comes up. I was aware that pre-existing conditions would not be covered and this is fair. What I was not aware was that upon placing the first claim, ManyPets requests 18 months of medical records and anything (really anything) that happened within 18 months is considered a pre-exiting condition. Even an itch is considered not covered for the next 18 months. ManyPets could easily have requested the medical history ahead of enrollment and established what was going to be covered or not. It only took the insurance adjuster a few hours to let me know that they were not going to cover any of my initial claim and a full list of "pre-existing conditions" now is listed on my policy (including any little thing that happened). I honestly feel this is not fair and regret I enrolled a few months back for nothing. I hope this can help other pet owners to not experience the dissatisfaction I feel now. By the way, when I asked for refunding my premium payments (that happened for nothing), I was told I should have read all the policy in full.

Reply from ManyPets US

TOTAL SCAM! The office address is a mail drop. The customer service phone is never answered. The chatbot will NOT help you cancel - the "cancel" button is NOT THERE like they show. You can't email billing support; you can't call them; you can't chat with them. YOU CAN'T CANCEL! They just keep trying to hit your card over and over. Buy real pet insurance. Or just take the money and save it. EDIT: AFTER OVER HALF AN HOUR I FOUND THE EMAIL ADDRESS below, and they did fix it in a minute. They sure hide it good!

While I believe the insurance plan is great, their billing practices leave a lot to be desired. If you have multiple pets each one is billed separately and with each bill is a separate fee that is charged regardless of the payment method used. The multiple fees add another $20 to my bill.

Reply from ManyPets US