Very difficult to communicate and submit a claim

They claim to cover treatment for chronic conditions, allergies, and dermatology issues, yet when the ONLY treatment that works is prescription food, they won't cover it. They won't reimburse a $100/mo for treatment with food, but they'll pay 3x that amount for allergy meds and injections that barely do anything and continuous antibiotics to treat the neverending infections. "Vet prescribed treatment" also doesn't apply if the treatment the vet prescribes is prescription food. To be fair, they did let me pay an extra $134 for a powerup to add to the already $700/yr plan in order to reimburse me $250/yr of food, after I spend $600 on unreimbursable covered expenses to cover the deductible and copays first. Umm..thanks??

They do not review claims properly for reimbursement. As of 2024....if you get premium everything....price is now $3,000 a year. It can be very frustrating for they use trust as a marketing tool but don't live by it. I usually have to re-send my claims in for a higher level review to get reimbursed.

I was filing my claims later than the 180 days and there were no opportunity to get reimbursed. Also they are super strict to what they reimburse, and for every month I paid policy premium it was a waist because at the end after 2 years I got no reimbursement of any of the services at the vet

Didnt cover the whole bill wondering why I have this now

All around bad experience. The app is convenient but has many glitches. However customer service was very responsive which is why they’re getting 2 stars instead of 1. But overall bad insurance experience clearly out for a profit instead of actually providing ease of mind. So much work obtaining and uploading records only to get minimal reimbursement or complete denial. When I had an actual problem visit to use the insurance with it was denied because my vet’s documentation “wasn’t sufficient”?! Like any vet would go and re-write an entire visit and add unnecessary details to hopefully get a few bucks back…

hardly anything was covered. Less than 1/3 out of a necessary test and prescription. I'll be looking for different insurance. Why pay a premium if they don't even cover 1/2 of one month's worth.

Rates went up over 100% in just 2 years, and barely covered anything! What a scam.

It sucks - I think this company is a scam. They have no consistent way to login online or on the phone total crap

I cannot get on your crazy website! 😡