If you dog ever got sick with something as minor as an ear infection prior to getting insurance they will never cover it in the future and will extend it to not cover anything mildly close to that condition. Scam insurance. My dog had an ear infection and now they wont cover the insurance for an issue with its paw that the dog stepped in something. Unbelievable.

Have had pet insurance with them for 23 years. Policy typically increased 10-30% annually. My dog has required little treatment and has incurred little costs. Got a notice that they are increasing the premium 270%. Have written them 3 times. California Department of Insurance says they are only authorized to increase it a maximum of 44%. Healthy paws never responds … just sends me a copy of the increase with no justification. They were good until they got acquired years ago, and are coasting off their initial good reputation.

Every issue has a deductible. What you pay is not what the Vet charges. Teeth issues are a preexisting condition.

We have used Fetch pet insurance since they were PetPlan. We've had many policies for various dogs because we run a nonprofit dog rescue. We insured our rescue dogs while waiting to be adopted. We insured our own pet dogs. We recommended them to everyone. $15000 coverage per year. How would that make any sense to pay. So now we are forced to cancel her policy which means any other company will not cover any pre-existing conditions she's had throughout her life. So they totally screwed us and that shows just how little they care about customer service and providing care for their customers and their pets. Do NOT get a policy from Fetch. It may seem good when you first get it but it will go up in price every year significantly and when they get old and really need their health insurance you will no longer be able to afford it. Go with another company that actually cares about pets and not just making money. They sure don't care!

I strongly do not recommend Embrace Pet Insurance. We paid premiums expecting coverage for our pets, but when we filed our claims, all were denied. Both our family veterinarian and a veterinary specialist provided written letters confirming that the injuries were not pre-existing conditions, yet the company still refused coverage. We submitted thorough medical documentation and followed their process, but our claims were dismissed without fair consideration. After this experience, we canceled our policy. In my opinion, this company does not stand by its stated coverage, and pet owners should be aware before trusting them with their pets’ health care. We were left with thousands of dollars in expenses that we reasonably expected to be covered.

why claims take 30plus days from submission to authorization [and longer to pay] is beyond comprehension. and why embrace won't allow providers to file the claims directly is also beyond comprehension [except that they are counting on the insured to not file claims at all or not timely].

Going with Trupanion has been one of the biggest mistakes. We have 2 Boston terriers in our policy for the last 5 years and we may as well have thrown our money in the toilet rather then had our insurance with trupanion. First off, when you call to sign up they literally try to tell you everything is covered aside from pre-existing conditions.... But just wait, cause soon you will find that anytime you have to submit an invoice, they come back trying to prove that it is pre-existing. Even when your vet calls them to tell them its not. Secondly, yearly fees jump up so much! My house and car insurance don't go up as much as they try and increase the coverage on our pets. we are talking on average 22-27% per year in increases. And all they can tell you is that" risk factors go up, would you like to increase your deductible to make things more affordable?" Yeah sure, get the deductibles so high that you guys never have to pay anything out... I recently had to speak to somewhere there to explain why they weren't coving my dogs emergency visit, and listening to them break down how they were not covering any of the $1400 was mind blowing... When I said that I feel like Trupanion as scammed me the last 5 years, She had the audacity to say "Sorry your pets haven't been sick enough for you to benefit from our coverages". Who says that!?!? This of course was the one time i spoke to someone there who went off the standard script. Speak to your vet before you enroll with Trupanion, I am sure most of them aren't their first options to recommended. Maybe at one point they were but things have clearly changed.

I am new to trupanion but reviews and referrals were important and helped me decide on joining, I just would like to ad that as a senior on a limited income, reducing our rates would be appreciated and welcomed.

They have countless loopholes for not covering standard accidents and illnesses. This is a sham of a service. Don’t enroll, you are wasting your money.

Healthy paws was a great company years ago. Now they constantly raise rates with no reason. This time my pets insurance went from $180 a month to $375 a month. We started at $80 a month. They also try to say they need your pets medical history but aren't receiving the files. I literally sent it 5 different ways and I did not receive a confirmation until I told them they would be speaking to my lawyer Do not use this company, there are so many options these days.