She made me feel like I was annoying her and that I did not know what I was talking about.

Trupanion is the worst. I’ve been paying $68 a month since January. It’s now September, and I’ve already spent over $500 in vet bills this year. Yesterday, my dog cut his paw on a piece of glass. Trupanion refused to cover the cost because their deductible is per condition. That means the $500 I already paid in vet bills this year doesn’t count—since those expenses were for a different issue, I have to start all over again with a new deductible for this paw injury. Because of that, I ended up paying $206 out of pocket yesterday (and it would have been $400 if the vet hadn’t kindly waived some fees). Meanwhile, I’ve wasted $68 every single month on a policy that doesn’t actually help. So let me be clear: Trupanion is a scam. You pay them every month, rack up hundreds in vet bills, and still end up paying out of pocket for everything because of their “per condition deductible.” They don’t care about you or your pet. I’m canceling my policy immediately and warning others—don’t waste your money on Trupanion.

So far all im getting are requests for things like dr appts for a dog that was just returned to me after 8 months. Almost implying that I would not be covered. Still its under review and that is disturbing to me.I've been paying for months now. All I get is the phone clerk reading a statement that is saying nothing of value. I will be researching a better insurance.

Hard at times to send in for reimbursement and takes a while for judgement

Have been waiting two months for my first claim. Sent all documents requested and still waiting. I did have a good experience with customer service. Hopefully she will follow up like she said she would. I pay a lot of money for insuring my pets. Things should be handled in a timely manner.

Claims take forever 99% of the time, prices go up significantly every single year. Horrible app, I cant say enough bad things about Pets Best, & npw I am stuck because his allergies are now a "pre-existing condition"

Claims are getting placed on hold because the adjuster claims there is no invoice. I submitted 2 invoices with all of the info on them for meds. This is frustrating you have individuals who cannot or do not want to do their job! Thank you, Betsy PS...This has happened several times to my claims!

Absolutely horrible. Claim has been declined 4x because of mistakes made by your claim reviewers. Unacceptable

My first claim was super easy using the mobile app. It only took a couple days and the reimbursement should be in my bank account soon. 5 star experience. However, I had to take away a couple stars because soon after signing up my two very healthy puppies, on one of them, Embrace listed FOUR pre-existing conditions taken from my (very thorough) veterinarians detailed notes. The adjuster took comments totally out of context, listed as preexisting conditions, and (in my opinion) to have reasons to deny coverage. One of the four conditions was listed as permanent and my veterinarian will be helping me to appeal as it is totally resolved. A complete hassle to have to go thru an appeal process and to have the other three temporary conditions be on my puppy’s record for 12 months. I was extremely discouraged by these invalid conditions and was tempted to cancel my policy. Instead, I’ve chosen to continue for a while and as mentions, my claim for the other puppy was handled promptly.

It’s a little difficult/confusing to submit documents and I’m constantly receiving alerts that more documents are needed with not much of visibility into why the documents I already provided are not enough.