So my 8-year-old girl that has been insured with trupanion for almost 8 years recently had a bout of endometritis. On the claim form I claimed endometritis as she has had that a few times in the past. After this claim, her deductible of $400 would have been met. Trupanion changed the condition to " discharge" instead of endometriosis which then they could again charge me my full deductible of $400. That's how they get around not paying people because their deductibles are based on condition not per year. My invoice was for $700 and Trupanion paid me $100.Watch out for this company. They used to be really great but they have changed from an ethical upstanding company to one that scams you. In addition, they say that their website has been upgraded but it barely works and their owner's portal does not work at all!

Pets Best raised our rates substantially (more than doubled) in less than 5 years. Given that clients are stuck with a pet insurance company after signing up or risk having them exclude any "existing conditions", they are taking advantage of us. This is an unethical business practice, and we are seriously considering cancelling and just having a pet savings account.

The Reimbursement turn around even with submitting all the details is AWFUL. I submitted a claim on 7/10 and got reimbursed incorrectly on 7/11 "due to a system failure." I called on 7/14 when I looked at the App and noticed the discrepancies on the reimbursement. I was told I shouldnt have even been reimbursed yet and that nobody else that submitted claims that day have been reviewed yet. She told me it would be reviewed by claims and get fixed within 3-5 days. I called back again after a few days and got some other lady who told me the same BS they tell everyone else "Claims take 5-10 buisness days but could take up to 30 days per our policy" couldn't give me a decent update just that it was sent back to claims for review. After 17 days go by I call back again and get the same BS answer above and no resolution. Mind you they have already reimbursed me previously for the same medication so why it takes this long to get reimbursed again is ridiculous. And the customer service is less then helpful and reads off their script. Better off going straight to management. I still have yet to receive a resolution or update as of August 5th... UPDATE: 8/8 ended up calling again as I still have received no resolution for Metlifes screw up on my claim. Talked to another gal in customer service who informed me that last 3 other times I called nothing had been pushed forward so she pushed it. Told me its going to take 3-5 days to review again. We are on 20 days now of a unresolved claim issue due to their system. And now I have to wait again another "3-5 days." I ended up calling back and talking to a manager who is hopefully expediting this since I have called several times already... ANOTHER UPDATE: 8/14 called again which feels like the millionth time. 23 days later and still not reimbursed for a claim submitted in July. For how much I pay a month its ridiculous its taking this long to get reimbursed... so forwarning its taking 10+ days to get reimbursed for a simple claim anything complex expect the full almost 30. Unbelievable. Make sure you have money set aside as backup.

So trupanion unlike other providers, issues deductibles based on condition not per year. So my dog that has been insured with Trupanion for 8 years and only has a few minor claims.She had a bout of endometritis which she had a few years ago as well. The 400 deductible was almost met from previous claims but trupanion instituted their own condition and called it "discharge" instead of calling it endometritis and recharged me the entire deductible amount. My bill was for $700 bill, they paid me $100. This company used to be good but is now a rip-off! Their website supposedly has been upgraded but it is no upgrade and does not work well. Their owner's portal does not work at all!

Filing a claim is very easy! Which is great because it means I’ve wasted little time getting my claim denied. At this point I just file to see if I can get even $0.05 out of them. I don’t, but I’m locked in for another year. Seriously, don’t bother with the company. All the add-ons and things sound nice but they will delay, deny, defend. Your pet being alive is a pre-existing condition. If you are stuck in a contract, use that time to build up funds in an HSA or high yield savings account. At least that way you know you have a real backup plan.

Awful company …. Stay away 😥 My 6 year old golden doodle was just operated due to a mass on his shoulder area . The claim was partially denied ,because of a pre-existing condition. The pre existing condition was an allergic reaction in his paws . It causes him to lick his paws during certain times of the year . I followed all recommendations from embrace . On their recommendation, I sent an estimate of what the procedure would cost . I was approved an estimate of $1900 for a $2300 procedure. Nothing changed on the day of his procedure, except it was less extensive as planned. The actual procedure was just shy of $1000( my Vet , tends to be more on the cautious side regarding estimating costs ). I was just awarded a claim in the approximate amount of $250 for a $1000 procedure. There were actually 2 masses removed , both were identified as an abnormal growth ( nothing related to allergies ). Thank God they were benign. When you do the math , 1900/2300=0.826 . I followed their procedures ( the estimate included all pertinent information). I was expecting approximately 82% of the amount expected to pay . 250/1000=0.25. Due to my Vet being cautious on the high side , the actual amount came in less than planned . I only received approximately 25% . I never received any phone calls explaining why ! Shame on Embrace ! I’ll start my agenda by reporting this to the BBB .

I have 2 dogs my old one is know 14 years old & my young one is 3 years old the old one has been with Nationwide since she was 3 years old recently I have received a letter indicating since they are changing their policy meaning cancelling X Ray, blood tests,EKG, nationwide has charged me fool price every single mounts for the major medical plan & wellness for 11 years & know that my girl is 14 years old they are changing policies. Well done Nationwide your are indeed the most dishonest pet insurance in Southern California. Regards/Lida slater

Horrible issue when a pet passed and I was overcharged Rate increased without any notice

Sad how little insurance pays for but it costs so much, what a waste.

I’ve carried insurance on two dogs for the span of almost their lifetimes. One pup I dropped insurance at age 8, the other kept until she passed (more active dog). When my pup was diagnosed with lymphoma, I thought I’d be happy to have the insurance. I was reimbursed for 1/4 of what was I spent. Cancer meds not being covered, consult fees not being covered. I’m really wondering now if the thousands I spent on pet insurance was ever really worth it.