Horrible insurance that I currently have. When filing a claim for reimbursement, I’m informed after six months of payments, but there’s a 30 day hold because I need to review my pets medical history for the last year before they can cover a hospital visit for him ingesting a foreign body. Like how could eating a piece of plastic have anything to do with a pre-existing condition or the fact that when I got the insurance I asked them to get my pets medical history for the last year which they did but apparently I didn’t ask them to also review it so now that I filed a claim, I have to wait 30 days for them to review the information before they can even look at the claim or try to make a decision. Worst pet insurance I’ve ever had anywhere I should’ve never have changed to this company go somewhere else don’t end up screwed like I am.

My dog, Angel Sedona, recd a notification for her 1st renewal. The rate for her policy had doubled from $500+ to $1000+. Doubled! Also the rate for renewal on the website was just over $600 which would make sense but the company says there was a rate increase and no one can tell me why the website has $600+ for renewal but they are quoting over $1000. Today will be my 6th call to try to get answers instead of a run around. There were other issues as well, after the 3rd call, the reimbursement amount mysteriously went from 80% to 50% without my knowledge or request to do so. It has been a nightmare to just get any answers or renew her policy

They deny almost every claim you submit. No matter what medical records you provide. Whether you have the wellness policy or not. To be blunt, it's a waste of time and money. I would suggest looking at alternative pet insurance bc this one will not benefit you. I just cancelled.

It takes too long to get your money back and the customer representative are not friendly and sort of smart mouthed.

claim related to Wellness check up after adopting pet rejected without any reason and stating insurance policy expired where as i just purchased the policy. i have wellness add on with the policy.

Typical insurance company..con people!!!

I was denied a claim a few months ago based on the fact that my dog was chocking and required an emergency exam. Embrace claims that without evidence of what went wrong or why, they denied the claim. Makes no sense at all!

One Star – Very Disappointed After Years of Paying We paid Trupanion ~$150/month for over three years and never filed a claim—until a recent emergency when our French bulldog began hyperventilating and needed urgent care. The $1,000+ bill fell well over the $700 deductible, but the claim was denied. Trupanion claimed it was a “pre-existing condition,” even though he’s never been treated for breathing issues. We bought this policy on the advice of an emergency vet after a totally unrelated incident. When we finally needed coverage, they refused. Extremely disappointing.

Your company has tried to not refund to the customer with all excuses, I have paid from 11/24 to May/25 and I only took once for my pet routine check up before the expired the insurance 5/18/25 and I sent all the informations you told me by mail because I cannot handle computer. You are so bad with no integrity in running business. So disappointed.

Takes too long than other insurance companies to receive reimbursement. Also, company never seems content with the invoice for reimbursement