We thought we were purchasing Breed specific insurance, Paid extra over basic coverage ever since my Rottweiler was puppy. 2 years $88 a month. Now when we needed to put in a claim 6K for TPLO (ACL fix) they claim our cap is $500 and thats that. How does that even make sense? We paid $2K to be capped at $500. This insurance is a scam! I want everyone to know

I’m bringing home a puppy in two weeks. This breed (golden retriever) is prone to cancer and foreign body ingestion. We also live in an area with a lot of Lyme disease and I heard the vaccine doesn’t always work, so I want insurance that covers things the dog is vaccinated against (because we can do our best but Lyme could still get us). Anyone have any recommendations? I’m overwhelmed with all the options. I don’t care about paying the vet directly. We don’t mind a higher deductible- we really just truly want catastrophic coverage like cancer or surgery. Dental problems (not cleaning but actual problems) would be good too but it’s not 100 percent necessary. No matter what option I start to go with when I look it up there seems to be problems. I’m leaning to Embrace because they would cover Lyme. Trupanion seems like the rates go too high over time. Healthy Paws won’t do Lyme. Lemonade seems like people don’t trust it.

Hi everyone I posted here a few weeks ago with issues regarding Fetch Pet Insurance (formerly Pet Plan) and I have just had an absolutely awful experience with them regarding my dog’s recent knee surgery Basically, they are rolling out a “prescription sub-limit” on all of the policies they can and using that to cap any and all medical expenses as they relate to medications at 1,500 dollars. This includes any medications administered by a veterinarian and as I’ve been made aware, it includes medically necessary surgical anesthetic medications. During my enrollment call and upon reviewing my application of benefits, I was only made aware of the coverage I purchased. 10,000 dollars reimbursement, 80% reimbursement rate, and a 500 dollar deductible. There is no language on my application that indicates a sublimit. I just got off of a call with a supervisor reviewing my claim review and also my issue with this sublimit (as it was not reviewed with me in my enrollment call like it legally should have been per my enrollment application) The gist of the call was that “we can’t go over the whole policy” and that “we’re sorry you feel that way” even though the language of the application states in the agreement section that “I have been advised and have had the various other coverages and limits available to me under this policy fully explained. It is my decision to purchase the Coverages and limits set forth herein” All in all, if you plan to purchase pet insurance out of fear of surgical needs or expect for your coverage to be that which you go over in your enrollment calls, do not go with Fetch Pet. They are deceitful and intentionally vague in their policy documents and apply sub-limits without disclosing them to their plan purchasers. Thankfully, Fetch has still lost money on my dog due to the expensive nature of her surgery. But I will be looking at all my options when enrollment time comes around and consider switching because this company is unprofessional and blatantly lying to their customers. Now I have hit the sub-limit after one surgery and if my dog were to need another surgery this year according to Fetch I am SOL. If anyone has enrolled in Fetch this year or last year, please review your policy documents and let me know if they applied a sublimit to your policy (and whether or not the enrollment agent informed you of that sublimit)

**Odie is taking my monthly money and not holding up their end of the bargain.** I was switched to Odie from ManyPets when ManyPets sold and want the world to know: ODIE IS A SCAM. GET OUT WHILE YOU CAN & DEF DON'T SIGN UP. Aside from the significant increase in monthly cost and 20k coverage limit on a previously unlimited plan, Odie is...nowhere to be found. My claims are not being processed, nobody answers the phone, the chatbot isn't responsive, and I literally cannot get any information. **I've filed a claim with the Better Business Bureau, providing screenshots of everything. Anyone else???**

I’m not having a good experience with Pet’s Best. Started my policy in November for a 3yr old rescue. It has been about 4 weeks since I submitted my last claim. Emails came saying they’ve reached out to (wrong vet) for medical records. I call my vet and they get emailed to PB within minutes. Today I get another email asking for my help. I forward the same email from my vet to them. Then sign in to see they have all the medical records and have labeled them “valid”. It’s almost like they’re holding off until I get charged for another month. Meanwhile, they reimbursed for hookworm medication within a week of submitting the claim. That was my latest claim.

Do they not regulate, or loosely regulate, pet insurance premiums in Pennsylvania? I started a string on a cat Facebook group asking people to note their cats age, healthypaws premium, and city/state. To my surprise, someone with a cat in NYC at a similar age was paying way less than me. For reference, my cat just turned 19 and my ~60 day notice says my premium is going up from ~$380/month to ~$650/month. I don't think I have the option to switch insurance providers since my cat has a lot of health issues we are managing. Most plans do not cover pre-existing conditions. Can people post their healthypaws premiums below if they own a cat, inclusive of the age of your cat, city and state? For those who live in Pennsylvania, are you also seeing crazy increases? If there is a pattern of Pennsylvania being the outlier here, I can draft a letter to the Department of Insurance and the Attorney General. Note: My premiums for my cat when she was about 17 and in Phoenix, Arizona, were ~$150/month.