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

They are such a pain to deal with. You can upgrade your account online but can’t remove the wellness part without calling

Trupanion is the worst.

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

Coverage seems good. However, I had to fill in the form at least three times and at the end said something went wrong and would have to try back later. I am not pleased that two months, actually more than two months payment will be taken and the next month must be paid in addition to the two months. This is not like renting a house, it is an insurance policy for an animal.

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.

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.

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.

I have been a loyal customer since 2018, but recently Healthy Paws increase in my monthly premium from $124 to $346 a month for a single pet, which is unacceptable. For a healthy 13-year-old senior pet, the nearly threefold jump feels punitive, particularly when finding alternative coverage at this age is next to impossible.

I’m just glad I have coverage now for my dog Crypto and my cat Amira. They’re both getting older and I know we’ll be at the vet more this year or next. It’s a relief knowing I won’t be stuck with a huge bill when that time comes. Arkana made it easy to compare plans and get something in place without spending hours researching. I feel a lot better going into the next few years with some peace of mind.