I’ve been with Trupanion for over 5 years now. Each year my monthly bill has increased, I started at 85$/month and now as of July 28/2025 my monthly bill for one mixed breed dog will be 132.50. Which is more than my own monthly personal medical insurance. Yes, it does say in the small print that yearly changes will be made, but at what point does the cost increase stop? I am sure this is some sort of ponzy scheme where they get you started with your new pet, just so slowly increase your charges through its life time. I will be looking for and acquiring a new insurance company as soon as possible.

Pets Best denied my claim for my dogs chemotherapy treatment. They have covered all past claims for his treatment and this is not considered a pre-existing condition. I have an unlimited reimbursement amount. They've been covering it up until now and then denied it for "take home prescription medication" are you kidding me???? Can this company read? The claim I submitted clearly shows my bill as in house chemotherapy that was performed in a hospital. What kind of company can't even tell that chemotherapy IV treatment is not done at home as a prescription, this is basic medical knowledge. Pets Best is SCAMMING me and ILLEGALLY denying my claims!!!!!

Just like all Ins Companies. You take full advantage of the customers and their needs! How in the hell do you cover conditions such as cancer (which we are in the throes of now with one) but you don’t cover to have it diagnosed or even to see a specialist from treatment plans (oncologist) to prevent and or treat cancer. It all has to do with the same diagnosed condition that you are coving. Makes absolutely ZERO since!!!! Your company has screw us over so much over the corse of the past 13 years and still doing it. I will be dropping Trupanion as soon as my 2 remaining dogs covered by Trupanion have passed on. Which with your help will be sooner than later! We have too much invested in your bs to stop now for these 2. My dogs are up in age now and is too late to switch these 2 but I can assure you that my other pups are not covered by all of your small print and exceptions. My dogs have allergies. And you refused to cover their meds that are given 2x per day for their lives. Ask any vet you can’t do an allergy test on a pup until it is at least a year old. Your company refused to pay any of it!! Said that they had to prove that it wasn’t an existing condition. But yet in one of my many rounds with your “CS” I told them that why don’t you prove to me that it was!!? The vet told me that there isn’t any way that anyone can see how a pup reacts to environments until that go through the seasons or environments. And just like human babies what they react to as babies may not be a life long condition that they could and most likely do grow out of it. So you do go torturing a child with (in your company’s case) a bunch of painful testing and then specialist (which you don’t cover that either) when being treated or diagnosed. What is the point of you. To anyone reading this if your babies needs a TPLO surgery or surgery ok after deduct they pay but make sure you check on what they only covered! But any life long conditions….we’ll be ready to argue and fight for what all you thought you were getting in their sales pitch. Beware of the small print!! They will get you and you will be (like me) flanked trust me!!

Do not like the fact that I've had a policy 4 over 2yrs n hav yet 2 receive 1 dime bk frm Embrace! But $136 is being deducted out of our act. EVERY MONTH!!!!!!!

Compared to other companies it takes forever to pay.

Takes a while for claims to be processed.

They do whatever they can not to pay a claim

Website makes it very easy to submit a claim. however last year it took almost a month for me to receive reimbursement. Website said up to 10 days. I would also like to mention, for dogs to get vaccination's only, it does not require a visit with the veterinarian. A vet tech can give vaccinations. Please do not ask for SOAP notes for this type of visit. The appt is barely 10 minutes. Most times they do not have Soap notes so it's an inconvenience to keep asking them to provide me with something I can submit to the insurance.

Didn't accept me right away, never had that happen. Not interested in them for insurance now.

MetLife Pet Insurance does not acknowledge receipt of claims sent in by Veterinary staff on the actual day of service. Insured then has to send in claims as an email attachment. The claim is acknowledged as having been received and the clock starts ticking for processing at that time. No explanation is given as to what happened to the first submission.