Claim approval was slow Funds transfer slow Coverage was good

I was told multiple times that I had exceeded my annual limit when in fact I had not. I wasted 2 hours of my time telling adjusters how to do their job. Luckily I work in the insurance industry. I was owed way more than what I received. It eventually did get fixed, after 2 hours of phone calls and 5 days later.

We were Trupanion customers for 8 years and paid thousands of dollars without ever making a claim. However, when our credit card expired (as they do, after 8 years!!) and we missed a few payments they cancelled our $155 monthly plan and wanted 2.5x more ($380/mo) to reactivate it! To their credit, they did a good job trying to reach out before the cancellation, but unfortunately the email on file was also outdated. When I contacted customer service their "hands were tied" and the reps had no ability to customize my new quote to match my old payment. I would have been okay with a small rise in payment as I didn't catch the lack of payment fast enough, but a 250% increase is just insane. Buyer Beware: You can NOT set it and forget it with this company - dogs live a long time and they will cancel you and charge you an exorbitant amount if you want to continue with their services!

Half of my healthy 1 year old dog's body systems are not covered because she burped a few times as a puppy. Because occasional burping was noted in her medical record, ALL gastrointestinal and respiratory concerns will not covered for the entirety of her life. Insurance companies will nitpick for any opportunity possible to deny coverage; care of the pet and client is never a concern. As a veterinary professional, I am extremely disappointed in Trupanion.

Spot's Gold Plan provides for coverage of several important annual vaccines. To be reimbursed, however, Spot requires 2 years of prior Vet care notes. Coverage for preventative and advertised as such should not require paperwork roadblocks and delays. It throws up serious red flags on any future acute care claims. So yes, I cancelled today.

I though i was going to get $900 back but only got $700

I started with them when my dog was 6 months old. At that time, I was paying about $50 per month. Now, he is 8 years old, and I pay $193/month.

Processing could be a bit faster, still waiting for a claim submitted over a week ago.

Don't get scammed with this shameful company, find dmore known and reputable insurance for your pets, IF you need to get one. I didn't have time to search and compare, so I signed up and graded my package to cover for my cats spayed. It came out to $500, but they only covered $40. I called to ask for details, but all she said was yea~yea~ its unfortunate, I'm so sorry, but unfortunately that's the coverage. She just repeats 'yea~unfortunately, yea~ yea~ unfortunately that's all it covers" like a broken radio! True pilot review looks fake, do a little research, you can see how bad this company is with similar stories as mine, that with Any package you choose, they pretty much cover NOTHING for your pet. It's no use having an insurance, its better to pay out of pocket for once every few months visits for kitties and 1 or 2 visits per year for grown pets. Getting my kitty spayed cost close to $500, this insurance WITH spayed coverage, covers $40 from total, $40 dollars. This is not a typo, I didn't miss another '0' at the end of $40. Useless and a waist of time with this company. Customer rep also sucked, Really, if you don't want to stress with nonsense, just look else where, Prudent pet insurance is time waisted, money waisted!!

if you aren't a customer who makes them a profit, goodbye/take what you can get. While this appears legal (as they highlight their terms are only for 12 months at a time), it doesn't make sense when they say "we will never penalize you for making claims". This is clearly a penalty.