Just got an increase from $385/month to $1137/month for accident and illness for my 2 dogs (about 14 yrs old in CA, USA). I've had Embrace for 10 yrs and this is absolutely insane. Should I change companies? Now that they're older, they'll have some preexisting conditions if I do new evaluations with a new provider. But I definitely can't afford this!

I’ve been a loyal Healthy Paws customer for 13 and a half years—since the day I brought my puppy Bellah home. Over the years, I’ve paid thousands of dollars into this policy with the trust and belief that when the time came—especially in her final stages of life—Healthy Paws would be there for us. Instead, with no prior notice, Bellah’s monthly premium has been raised from $250 to nearly $800. At nearly 14 years old, with limited time left, my dog is being priced out of her coverage when she needs it most. I’ve called. I’ve waited. I’ve been hung up on. I’ve sat on hold for hours, only to speak to customer service reps who are either powerless or unwilling to help. Not a single person has shown any compassion or even attempted to work with me. I wasn’t expecting a miracle—but I did expect humanity. Bellah is not just a pet—she is family. And now, in what should be her most peaceful time, she is being made into a financial burden. After over a decade of loyalty, this is the treatment we’ve received: silence, indifference, and a quadrupled premium. Healthy Paws, this is not how we honor the animals who have given us their unconditional love. This is not dignity. This is not care. This is not right.

Pets Best insurance premium increased 50% last month. Premium initially doubled when I moved from SC to NC 3 yrs ago then this additional 50%. Current coverage; - accident/illness - Unlimited, 90% reimbursement, $250 deductible. -No well care. Annual premiums are only about $20 less than annual WellCare visit charge. Ran a new quote online from same company. It is 50% of new premium (so less than premium before last month’s increase). Makes no sense. 1 dog - Doxy long-hair - 5 yrs old. Insurance with Pets Best since I got him at 6-8 weeks old. He’s generally healthy but I carry insurance because of typical issues a doxy can develop as they age. The only vet visits he’s had outside of well care: (1) Urgent care visit & call to poison control in 2022 after he got into medication (claim was made and they paid around $50). (2) An out of town visit to vet when he had Gastro issues (throwing up/diarrhea) and wasn’t eating. Cause unknown. Given a round of antibiotics and no more issues. This vet isn’t on his records and I didn’t file a claim since it was under my deductible. My questions: (1) Outside of taking a chance that something happens during the waiting period of a new policy, is there any reason I shouldn’t apply for a new policy to get the lower premium? (2) Will the prior poison visit be considered existing condition if there is another event? He was fine and hadn’t ingested anything harmful. They just watched him for a couple hours. (3) Is the insurance company likely to pick up the out of town gastro visit and consider any future gastro issues an existing condition since I didn’t claim? Thanks in advance for input.

Hello! I am struggling to find a good plan for my older cat. I am moving out for college and my apartment requires my cat has insurance. My family never considered pet insurance for her, so it's quite a struggle. Im an undergrad and I love my cat a lot, I grew up with her. She's the cutest torbie short hair with a beautiful coat. But she is 12 years old, with quite a few preexisting conditions. She has arthritis issues and a pretty bad knee, a partially amputated tail from cysts, and has had teeth issues as well. Honestly, considering her pre-existing conditions, I know I will not get much from insurance besides maybe small coverage for check-ups. Lemonade will not let me file for her because of her age. If anyone has recommendations, I am considering a cheaper policy. I am looking into FIGO, but obviously, I have seen bad reviews for every company so I am pretty stuck on what to do.

I just thought about checking on my fetch insurance, went on to the medical record page, and found out that ALL my pet’s medical records were deleted!!! It says no medical records at all, but I’ve been updating my pet’s medical record since I adopted him in 2023. There are 4 records that I updated, including annual wellness check and initial baseline. I have the confirmation of medical records emails from fetch last year. I called them and reuploaded all the files. The customer service was nice but she said that she has no idea why this happened, and no further clarification on how to prevent this in the future. This feels so shady. Everyone with Fetch, please have the habit to check on your records regularly, because I’ve had experiences of them refusing my claim because I didn’t post annuals check up record every year. I can’t even imagine what could’ve happened if I didn’t think about checking the insurance today… still in shock

I opened my bank account yesterday and my jaw dropped to see a hefty bill of $519.67 from Healthy Paws!! I have been their customer for more than 10 years and they took care of my pets....They covered an expensive procedure about 3 years back and I felt nothing but grateful...Their claim submission process is very simple....No recent high amount bills from my end (just regular procedures in the last 2 years!!) ....I referred my friends to them...And I was a happy customer until today...I understand that companies sometimes need to increase their rate but to increase it by 323% !!! ... I am just sad and devastated...You value your kids'/pets' health more than yours...I just paid $160.49 a month ago..if they had to increase the rate to $200.00 or $215.00, I would have understood...But this rate hikes is truly unjustified...I am planning to report it...My heart is broken....I wanted to let people know..

Noticed that my company offered Nationwide pet insurance. Have a 9-year-old large mixed breed dog, 14-year-old Turkish Angola cat, and two one year old Persian cats. Went ahead and applied and all 4 were approved with $100.00 deductible and 80% reimbursement, and $5,000.00 limit for accident, illness and congenital & hereditary. Right now it's a year long policy. I have since been reading up on some horror stories dealing with Nationwide. I wished I had researched more thoroughly beforehand. I just wanted peace of mind. Now I'm not so sure. It is what it is. How do I deal with this in the meantime and what company should I be looking out for next year?

The claim was for dental surgery (periodontal disease). The reason it was denied is that the cat had no previous medical records showing his dental condition. They also said that no single exam is going to be enough to establish he didn't have previous dental problems, they need to see a record of his health over time. I do realise that dental is a separate category as far as most insurence companies are concerned, but I also wonder if they won't use the same reasoning in future claims. How can I prove something wasn't a preexisting condition if I don't have records? Some background: My cat who is now 8 year old, grew up as a partly feral street cat in a non western country. Yearly vet visits for cats are not common practice there, and with him being the kind of cat that requires sedatives in order to get in a carrier, he ended up visiting a clinic even less than the average cat. In short he has barely any medical records from before arriving in Canada last year. I was actually a little surprised to see that I could even get insurance for a cat his age, but now I'm starting to suspect that they're just fine with taking my money but will never approve a claim. TLDR: Should I cancel an 8 year old cats insurence if he doesn't have any previous medical records?