The care about dogs

Here’s my experience with Trupanion:

Every issue has a deductible. What you pay is not what the Vet charges.

Fetch may seem to have excellent pet insurance coverage. The issue is at renewal. Pet insurance is not regulated like human healthcare. When Fetch renews your policy they will reduce coverage based on your claim history. This is legal. They do this very quietly. Because of pre-existing exclusions, they know you have no options if your pet has been sick. It is classic bait and switch at it's core. You sign up with them and choose your coverage level. However, if you have filed just one claim, you cannot increase your coverage later, EVER. However, they can and will decrease your coverage. My advice is to avoid Fetch because while you may be okay during the first year, they will make up for it every year thereafter. It is extremely bad business to do this to customers. They will insist we have a choice. Afterall, we can cancel coverage and/or choose another company for a pet policy. However, this "choice" is meaningingless in practice, because other pet insurers have pre-existing condition exclusion, just like they do. If you switch, any conditions your pet has already had will not be covered with a new insurer. For this reason, having the policy with Fetch, becomes the lesser of two evils. That is why how they can get away with this. Those of us with dogs who have pre-existing conditions are stuck with Fetch or can choose to have no coverage at all. They know this and take advantage of it. If I knew what I know now, I would never have chosen Fetch. EVER.

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.

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.

Reply from Kanguro Insurance

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].

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.

It should never take 3 months for a reimbursement! I was asked multiple times to send prior vet visits which I did and my vets did as well but clearly no one was paying attention.