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

They are absolutely terrible, do not trust them with your pup insurance they deny, short pay, stall and delay any and all claims. The worst.

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?????

Premium doubled in about one year. No letter, just an email that could (and did) end up in the bin. Shame on this company for squeezing pennies out of struggling families in these difficult times.

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

My favorite old mixed terrier with a lot of anxiety had a knee that was bleeding and he doesn’t like you to touch his feet couldn’t get a hold of his vet so I had to take him to an ER where they had to sedate him in order to examine him. Complete nail avulsion. Ughh submitted my claim to pets best insurance within less than two weeks I had my reimbursement..fast painless process, highly recommend for your Pet Insurance!

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IF I COULD GIVE THIS NEGATIVE STARS I WOULD... THATS HOW BAD IT IS.... PLEASE DO NOT TAKE YOUR PET HERE.. DESPITE THE FAKE 4.7 REVIEWS THEY ARE REALLY ONE OF THE WORST ANIMAL HOSPITALS IN THE CITY. THEY KILLED MY Dog . AND I HEARD OF WAY MORE ANIMALS WHOS HEALTH ISSUES WERE NEGLECTED AND THE ANIMAL PAST AWAY... ALL THEY CARE ABOUT IS MONEY AND THEY ARE NOT VERY EDUCATED ON THE MEDICATIONS THEY GIVE.... IF YOU WANT TO BURY YOUR PET GO HERE, IF YOU WANT IT TO LIVE GO ELSEWHERE I SUGGEST KAHU ANIMAL HOSPITAL WHERE THEY ACTUALLY CARE BUT THERE ARE WAY MORE BETTER ALTERNATIVES THEN THIS PLACE.. THIS PLACE THE STAFF IS RUDE AND THEY OVERCHARGE EVEN FOR VIST.. KAHU WORKS WITH YOU...SO DO MANY OTHERS... BE SMART , DONT GO TO THIS ONE !!! THEY SHOULD BE INVESTIGATED AND SHUT DOWN.... ANIMAL KILLERS!!!!

I filed a claim for my 7-month-old puppy at the end of August. When I was notified that additional information was needed, customer service informed me to get full notes from my vet and email them. My claim was denied because medical records were required for at least a full year, which didn’t make sense. After two weeks of no response, I called again and was told the claim would be reopened. However, after another week and a half, I was informed that the claim was not reopened. Finally, a third rep reopened my claim and ensured a follow-up. When I received a denial a few days later, it stated that I only had accident coverage instead of both accident and illness. I understand this, but why wasn’t this included in the original denial? Due to the poor customer service and inconsistent responses, I’ve canceled and gone to another service.

Misleading and expensive. I had signed up for my kitten's pet insurance. I have the wellness basic plan and have spent about $1,200 during 2 visits. I've received $105 back in total as that is the MAX I can get for vaccines and other procedures. To make it worse, I have a $500 deductible. ZERO DOLLARS WENT TOWARDS MY DEDUCTIBLE. I will be cancelling