Trupanion is pretty good but very expensive. They have direct pay with many vets which is great! They charge you multiple deductibles unfortunately when the vet is running diagnostics trying to rule out different things- even though only 1 deductible should be charged. They are overall pretty good

We had Healthy Paws since we adopted our dog almost 10 years ago. However, I got a recent notice via email that our premium would be increasing from $82 to over $400 dollars. All the documentation and notices in the online portal didn't adequately explain why, and none of the documents except the original email even mentioned the new amount, which was way at the bottom in basically the tiniest text possible. Extremely hard to cancel via email. I received three emails that acknowledged that my request had been received, but no real reply until I followed up with stronger wording, after which I was given the runaround again. Eventually I was able to get a (very nice) representative on the phone and canceled that way, but wow. I really think Healthy Paws has gone steeply downhill in the last couple of years and shifted to misleading practices that gave this longtime customer a horrible impression of them in the end.

having a problem navigating and submitting information, finally got out and tried to get back in site, would not load, soooooo tried a different way and finally able to submit my claim. never had this problem before, what is going on?????

Embrace has been sitting on a claim for my dog since August. Her spay had gone wrong and we were in the ER with her bleeding out. (She's well now.) We'd picked Embrace because their marketing material promises to pay the provider directly. Except you need a secret 800-number to even talk to a live person after hours, and nowhere do they provide this info. Flash forward to now, almost two months later, and we're still waiting for reimbursement for a four-figure vet visit. All of the paperwork has been provided, and receipt has been verified, yet they're sitting on the claim and not replying to queries as to when we can expect payment. We've already switched providers. At this point, I am also filing a complaint with the Better Business Bureau, the Ohio Department of Insurance, and the NAIC. Under no circumstances should you work with this company.

Very disappointed at the exclusions. Failing to pay for all costs associated with my pets emergency is sneaky and unfair.

Figo has a lot of language to make you think you're getting coverage where you're not. Their plans are designed to confuse you so you're left with the bill at the end of the day. When attempting to understand my coverage policies, I was hung up on, and then when I called back, I was rerouted multiple times.

Fetch Pet Insurance denied my cat's emergency claim by calling it “pre-existing” — even though WA law (RCW 48.205) says pre-existing conditions must exist before coverage starts. They buried a “pre-policy exam” rule deep in 36 pages and used it to deny coverage when Jelly Bean needed it most. I’ve escalated this to the WA Insurance Commissioner. Pet parents deserve transparency and fairness. #PetInsurance #WashingtonLaw #ConsumerRights Update: After posting this review, Fetch asked me to call them. For accountability, I prefer to keep all communications in writing. I have already appealed this denial and escalated the matter to the Washington Office of the Insurance Commissioner, as the basis for denial raises compliance concerns under RCW 48.205. I welcome a written response from Fetch’s compliance team.

If your let has anything at all age related, they will deny any accidents as pre existing.

Trupanion was the recommended service when we got our Maine Coon kitten from a breeder last year - it seemed good but pricy -and he's a healthy kitten so we've never had to file a claim ( and we knew upfront they would not cover his neutering last spring). Well, we got a shock message a few days ago that our premium would be going up 35%. Trupanion must have gotten complaints so they mailed an explanatory letter that we got today but apparently their printer ran out of ink so the only readable section was "new premium -$96" in blue ( can you say poor optics?). So we added him to the policy for our other cats with a different provider who has been great so far - less than half the cost. Unless your Vet does direct billing with Trupanion, these folks are just not worth it.

When I got this insurance 3 years ago I'd seen my boss have it and it only went up a few dollars. After I got it, it went from $175 to $290 a month. I increased my per diagnosis deductible to lower costs, then the next year it went from $242 to $389 a month! Like what the actual F? With that and the ridiculous per diagnosis deductible, I can't even afford to take him to the vet. Yes, they will pay the vet directly, but other than specialists and emergency, I have yet to find a vet that uses their software. I got the insurance specifically because they always charge at the age you sign them up, supposedly to keep it from increasing as they age, but mine has increased like crazy. It's much more than I paid with my last dog whose policy went up yearly as he aged. I also chose them because they pay directly, but many vets don't do that. I pay extra for coverage that's standard with most companies. With my last dog I had Healthy Paws which had a 90% reimbursement and a $100 annual deductible. I never had any issues with them and if it was a scheduled procedure, they would pay the vet directly. I left them with my new dog to avoid the annual increases, but I got screwed because trupanion has increased more than my other policy did and I had that one for around 8 years until my boy died. Now I feel like I'm stuck because anything he's been seen for or anything even mentioned, whether he had that issue or not, will be considered pre-existing. My renewal is coming up in October, and I'm terrified. All of my friends that get pets come to me for help getting insurance, and I do not even look at trupanion. The one friend in the beginning that did sign up switched when they sent her overpriced renewal notice. I'll just say, I've never had an issue getting paid, but I never once had an issue with Healthy Paws either, and it's much better paying an annual deductible than paying one every time you go to the vet for something new. That's also how they get you...if you go in for something you already paid the deductible on and they find a new issue, trupanion will make you pay a new deductible even though you already satisfied it for the reason you scheduled the visit. I have two other dogs, and they do not have trupanion. I'd be homeless if all my dogs were with them. There are so many companies that cost so much less and cover the same stuff and even more, like exam fees. If they don't do something soon, they will continue to lose people. Just for fun I priced our new dog, and trupanion cost three times more for less coverage that the other companies I looked at. They wanted $389 a month while others cost $98-$140, paid out 90%, and covered exam fees and acupuncture, etc without having to pay an extra monthly fee. DO BETTER! Stop lining your pockets with people's per diagnosis deductibles. You are literally the only company doing this. On top of that, there's not even a working app now? I just got my renewal and it's gone up 48%. Bye bye Trupanion. Spot is $146