I'm a disabled veteran that only used Embrace because USAA endorses it. These people refused to process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years send another dime to this company or refer them business.

I submitted my invoice via Trupanion. I waited for a response and when I finally got one it was that my claim was denied. When I spoke to a rep via phone I was told my documents were never received and the documents were received were completely dark. I submitted the invoice thought the clinic and was instantly approved. The other problem I have was the total was 1,930. My deductible is $800 and you all are paying 900. I was never told why the additional amount was covered and when I called I was told it was the exam charge. When I told the exam was waived and indicated in the final invoice I was given the run around. While I’m grateful trupanion paid some money. It doe feel like I was treated like a number. I would have an appreciated someone calling me to tell me what was missing or what was approved and what was denied and why.

Warning to all considering this insurance company. Our 1 year 2 month old puppy sustained and unspecified injury to his right hind leg, most likely during late night rough housing as it was not observed. After 24 hours we brought him to the urgent vet to determine the extent of the injury. With X-Rays complete the vet noted the injury location and signs/symptoms.

I've had ManyPets insurance for my dog & two cats for three years. As they are getting older it's been amazing and has paid for itself the last two years. Each claim I've made has been processed in a timely manner, about a week.

I love Trupanion‘s Customer Service, I love the expedited payment process, that being said, I am extremely displeased with how Trupanion has changed their policy on covering exam fees. When you take your pet to a specialty hospital, the exam fees are astronomical. I just paid over $800 in exam fees alone. None, of which were reimbursed. This does not way favorably on Trupanion‘s behalf. Trupanion says that exam fees are “routine fees“ and can be planned for. I disagree totally. I have a 90% deductible. I pay $200 a month for coverage for two pets. Coming out of my pocket for 800+ dollars for an EMERGENCY Visit is not routine, nor can it be planned for. I truly wish Trupanion would reconsider the decision about exam fees. Veterinarians keep raising their prices, and it makes it more and more a major part of the bill.

They do not insure people who own German Shepards. There is not one bad thing about my dog and he is not even remotely aggressive but because of his breed they declined to insure me…..

Your website could use some work. It is not user friendly.

I’ve been waiting three weeks and still no confirmation of my claim. Everything I submitted has been verified by the veterinarian, each item was individually listed with the cost, a copy of the itemized receipt was emailed and I swore it was true as they requested. And there’s no way to discuss this with a live person.

This company can improve by covering services for our pets that we are paying for. I submitted an appeal for a denied claim for my cat who had a enucleation surgery *before* he came to me. He developed cysts only *after* the enucleation surgery, but y’all have denied paying that claim saying it was pre-existing. It was not pre-existing and my vet made it clear that it was not pre-existing yet y’all still will not pay. At this time, I am considering canceling coverage for all six of my cats because y’all are simply not paying.

Heathy Paws is horrible. Bottom line.