Claimed they couldn't get medical records but vet had no record of them contacting. Been a member for almost a year, filed my first claim and within 3 weeks got notice that my premiums were going up 30%. Wtf.

Stopped answering my emails, after rejecting my initial claim. Now charged me despite I have not updated my credit card information and didn't refund. Anywhere, but here. Total fraud.

Hospital coverage was great however, the vet hospital asked me to make a decision about my pet from a price range which was outrageous BEFORE the Trupanion insurance coverage was applied. I don’t understand why they can’t run it thru for coverage and tell you exactly how much they’re going to charge you AFTER the insurance pays upfront so you can make a proper decision for your pet!!! As you checkout it literally goes thru within 1 minute. Odds are you’re going to get your pet the full treatment it needs once you realize that AFTER the insurance goes thru the price isn’t quite as horrific! It’s not like human insurance that can take months to shake out. It’s just not a good way to make a proper decision for your pet’s care. Then my other complaint is that the vet that convinced me to sign up for Trupanion in the first place doesn’t even submit the claim at all.. our regular vet. You have to do that yourself! Not to mention, then basic vet care doesn’t even get covered so it’s only for vet emergencies. In my opinion for paying $982/per year, it should cover more than just emergency visits. (Which hopefully only occur once in your dog’s lifetime whereas annual visits occur annually!!!) Better than nothing but come on!!!

The claims submission process wasn't that bad but the system was slow. Not sure if it was my internet connection or the website. I can give a better review of the reimbursement process once I see how long it takes to settle my claim and whether they cover what my policies says it will.

I signed up for Prudent's highest tier insurance coverage so that my kittens would be covered for anything, including their spays. What it doesnt tell you prior to signing up is that only $30 of a Spay surgery is covered. In my area a spay is easily $700 - 1,000. I have been trying to contact them for 3 days to cancel my coverage (I am still within their refund window) but they are impossible to get ahold of.

It has been 3 weeks still no payment very disappointing.

Customer service needs considerable improvement and attention. Also, incorrect information is often shared.

I trust Nationwide insurance for Pet protection!

I have been an ASPCA customer for over 2 decades. They used to be wonderful & I sung their praises in prior reviews. Now, I will never donate to The Guardian Plan, nor will I carry my pet insurance with them ever again. Not trusting The Guardian Plan??? It is difficult for me to reach that point, but they earned my distrust over the last few years. I love animals & will continue to do things that support rescue efforts, but it will never happen via the ASPCA ever again. I have been a pet insurance policy holder for well over 2 decades & I now see that greed is the driving force. I work in a management capacity with a large international company & I know that profits are massively important. I also know that integrity should always be at the forefront of anything that a corporation does, so that we maintain the trust & transparency that any customer needs, in order to maintain a positive relationship. The ASPCA’s repeated failures to keep my trust have led to me canceling my partnership with them with regard to both my insurance coverage and my Guardian Plan participation. It saddens me to pull my financial support from an organization that I once felt deeply held the same convictions towards the protection of animals that I hold dear. I attempted to express my displeasure on some direct phone conversations. I felt that it was important for me to speak to someone personally so that I might properly express where I was coming from. I was met with some very polished “Corporate Talk.” I was impressed by the resources that had obviously been utilized to prepare their customer service staff to rebuke the kinds of poor customer service that they were providing. They clearly felt their money was much better spent on training their customer service staff to provide spin for the concerns that their customers brought forth, rather than just paying out on the claims that their customers had been paying for over the course of years. I felt it was important for me to share my experience so that someone else, who may be relying on the organization to hold true to their word, might not have the rug pulled out from under them. It may not sound like it from this review, but it really does sadden me to see how a once good organization no longer lives up to their promises.

This is the fourth time I called regarding the same issue. Hopefully it will be worked out.