Review Time
Bright beautiful color, super warm and amazing hood. Feels a little heavy in weight compared to some other winter jackets I have that are comparatively warm. Size is fitted so size up if you want to layer up underneath. Feels a little uncomfortably tight with a thick sweater but not a problem for my use case. I found I don’t really need anything more than a thin long sleeve or even shirt and it’s still warm enough.
We signed up for ManyPets insurance when we adopted our dog Chico. We have both preventative care insurance, which reimburses the cost of his annual wellness check, vaccines, and meds, including his monthly flea/tick/heartworm meds. We also got the accident/illness policy. There is a $250 deductible and a 20% copay. We recently had to take Chico to urgent care when he developed a cyst on his side that had doubled in size within a week. There was an exam fee to take a sample and lab costs to check the sample. We were so relieved to find out the cyst was benign and know our fur baby is OK. We submitted our claim on Dec 28th and our claim was approved in less than a week. We were reimbursed $266 of the $423 bill, after the deductible & copay. Filing claims is so easy - just have the vet provide an electronic copy of the itemized bill and upload it on the ManyPets website. It takes only a few minutes to file the claim. We have been very pleased with ManyPets.
I purchased this insurance through Progressive for my cat and made sure to get a plan that covered teeth cleanings. It came time to bring my cat in for a teeth cleaning, and the vet found brand new dental issues (tooth re-absorption) that required extractions as they are quite painful for cats.The bill ended up being quite expensive surprise. When I submitted it to ManyPets, they denied everything, including the cleaning that my plan explictly covers $150/year for, on the grounds that my cat had evidence of gingivitis (what cat doesn't) so therefore the brand new tooth reabsorption was a pre-existing condition. My vet put together a very well evidenced rebuttal proving that the tooth reabsorption was a new issue, unrelated to the gingivitis, that no one had known about (again, this happened during a teeth cleaning visit). ManyPets response was to cover the $150 for the cleaning they initially denied, and nothing else.I do not recommend this insurance and am very frustrated that Progressive recommended it to me. It's one thing to deny claims for frivolous reasons, it's another to deny routine care that do not come with any conditions on the contract. I will be changing providers as soon as my term is up.
UPDATE (In response to square's reply):If I violated the policy, you should have directly notified me EXACTLY what I did wrong so I can fix the error. Telling me to re-verify my identity to continue accepting payments every month using the veriff app doesn't tell me what I did wrong. It tells me you want to collect the same info you have on file.DO NOT USE!I used them since 2003 with no problems until mid 2004.Then I got monthly emails from them asking me to reverify my account with veriff app which involved doing some facial recognition scan but my computer is not compatible. I called them, emailed them, and used their online chat to try to come to a resolution and today they decided to deactivate my account (aka disable my ability to collect payment). They wouldn't restore it, and they wouldn't explain why, so now I refunded the people and closed my entire account and recommend you do the same.
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