This comp[any has been borderline dishonest trying to block my very legitimate claim. Demanding Medical records for the last 2 years when thy only said the waiting period was seveeral weeks for new claims. I submitted the records which show this is a new claim and they send me emails denying they received them which is a lie they arejust trying to get out of paying a legitimate claim. allan M. Shanberg MD

I've been paying for insurance for six months, which was supposedly comprehensive, and when I first complained, they told me it doesn't even cover vaccinations! Nothing preventive, just accidents! That's not even what I read when I bought the policy! I don't recommend it.

When we adopted our dog back in May of 2022, we signed her up for insurance before she was even a year old. At the time, our monthly premium was $155.91. It seemed high but we wanted to make sure she was covered. But every single year since then, the premium has shot up by about $50. Yesterday, June 20, 2025, we got hit with another rate increase. It's now $330.52 a month. That’s more than double what we started with. It really feels like the strategy here is to make it so expensive that people are forced to cancel coverage once their pet starts aging. Edit after Trupanion response. I appreciate the reply. However at the current rate if increase we are on track for the monthly premium to be $680 a month by the time our dog is 10 years old. No amount of marketing fluff makes that reasonable. And I did speak to your company when we got the second increase last year and was told verbatim the script you entered as a response to this review. Regardless of your reasons, potential customers should be aware their premiums are likely to double in just 3 years like ours did. That's the point of reviews so people know from other customers what to expect.

Like many others, my cats policies are being transferred from 24 Pet Watch to Hartsville and the experience has been an absolute horrible nightmare. Hartville has stated they intend to increase monthly premiums by 150% to 200% or more, literally doubling and tripling the price, and they have absolutely no problem in doing so, they are treating 24 Pet Watch customers like garbage, telling 24 Pet Watch customers take it or leave it and that they are doing us a favor, acting like we should be thanking them for taking over the policies and up to tripling the price. I'm terrified to find out what the claims denial process will be like because the experience with Hartsville has been a total nightmare. Their name shoudl be HartLESS,

We have had a great experience with Embrace Pet Insurance with our chocolate Lab for many years until he started having serious health issues. Our premium since we insured him at 3 years old was around $1000 per year. This year he turned 11 and has had a rough year healthwise. I was shocked that his premium went up to $5000! I guess they only want to insure healthy pets so they can keep their profits up. We had to cancel since $5000 plus a $1000 deductible is ridiculous. Very disappointing since we have been with them so long.

Biggest issue is missing documentation. There’s never enough information on what I am missing so I have to call Metlife. When you have a pet going through an issue and there’s more than one claim it’s very difficult to see what’s needed. Emails need much more detail. Every representative has been great work with.

MetLife used to be incredibly fast for reimbursement. However, that is no longer the case. We’re usually left waiting around 4-6 weeks before we see any movement in claim status on the app/reimbursement.

I am leaving aspca insurance in March when my policy ends. They raised the price to $88 and they only give a small portion back for preventive treatment and dont add it to the deductible. I spent $1000 for spaying and a tooth removal and got $175 back and gave me 499.30 for my deductible! Couldn't even give me the $500 to meet my deductible. I took my dog back for her second distemper shot and I spent $50 and they denied it. Unless its not preventive care it will not go to the deductible. Im going to join AKC health insurance. Maybe sooner than later. Its easy to put in a claim but im just done giving $88 a month way and only get a Little bit back. Its not worth it! Waste of money.

The staff is friendly and helpful; however, they require a lot of work on your part to process a claim. I've submitted two claims, and one-third of the first one has been paid. I suppose I had a deductible that I wasn't aware of, so that's on me, the second one was never processed because of information that my vet needed to supply that was not received. You have to be very diligent about getting them the paperwork they need. It would be helpful if the company could be more involved in communicating with the veterinarian practice so their customers just have to put in the claim and leave the rest to them.

Terrible service by adjuster’s that don’t know what tgey are doing. My dogs get allergy shots every month one goes through and the other one by another adjusters needs more information (dumb) a shot. Get better help and managers never call back.