I like that Trupanion is quick with claim responses, and it's easy to understand what is or isn't covered and why.

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

We sent in a claim and it is still in for review two months later.

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.

This was a shockingly good offer. So good I researched to make sure it wasn’t a scam. Seems to be legit! Let’s see what happens when I use it!

Although representatives are nice, they are saying my pet’s visit are due to a pre-existing condition. My vet says it isn’t.

This insurance is a nightmare. They never payed off their part, always looked for reasons to deny even though I was with them for 2 years since I got my dog as a 7 week old pup. Spent so much energy appealing every decision, involved my vet who wrote letters of explanations. Now I am done. Canceled the subscription and will never go back there again. I do not recommend getting involved with them even though USAA recommends them. Embrace is terrible, the worst!

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.

The worst experience ever.

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