Trupanion refused coverage for an ear infection for my dog, claiming that for him, ear infections are a pre-existing condition. His ear infection was mild, easily treatable, and was not a chronic occurrence. But they stated that they would never cover ear infection treatment now or in the future. Do not pay for their product, it is a scam.

Absolutely horrific dealing with fetch pet insurance. We have had insurance for our one dog for three years never had a claim. We recently got a puppy and decided to put her on the same insurance. Well she got cherry eye and we took her for surgery. Fetch denied us stating it isn’t covered. Then they sent us a link stating what isn’t covered. Basically everything that your pet needs is not covered. Needless to say we will be cancelling for our babies.

It is really hard to get any payment from the insurance. If I could I would give 0 stars to this particular company. I deeply regret I chose Spot Pet Insurance for my cat and spent tons of money on monthly payment instead of paying out of the pocket in the emergency case.

Do not trust this company. I don’t think those who got $20,000, $15,000, etc. reimbursements do not exist.

I wasted my money on this insurance, higher deductibles and the claim process is lengthy and no matter how many documents you provide it never gets approved. When you contact them they ask you to send additional documents to their hartvillegroup email and nobody responds. Never again and I wouldn’t recommend it to anyone.

We’ve given you the opportunity to help us take care of Tater. When you do that you’ll get a better rating.

Embrace Pet Insurance pays my claims reallyt fast. My complaint is with the website--it is very slow and crashes. I end up unable to file claims and have to try some time later. Then it's slow again. It happened 12 May 25 and then 20 May 2025

I did quote online called with questions as I was reviewing quotes, went to set up online and thought I was all set. Did not receive confirmation called Monday and the online process did not go through. I was able to speak with Rebecca and set up. Disappointed it did not go through the first time. The people I spoke with were helpful and professional however, this made my wait time longer for coverage.

Absolutely horrific dealing with fetch pet insurance. We have had insurance for our one dog for three years never had a claim. We recently got a puppy and decided to put her on the same insurance. Well she got cherry eye and we took her for surgery. Fetch denied us stating it isn’t covered. Then they sent us a link stating what isn’t covered. Basically everything that your pet needs is not covered. Needless to say we will be cancelling for our babies.

I put in a claim on March 14 and it had been over a year since my last claim. I felt it was taking so long and I never saw a direct deposit in my account, so I got online and saw that the claim had processed and they marked it "closed", however,they never paid me $279.20, which shows the amount I am due. I looked at my account and saw that somehow my direct deposit was not listed in my portal account, so I put it back in and called Healthy Paws to let them know, explained what happened and told them I put my direct deposit info back in the system. It is now May 19th and I called again TODAY, and they told me it should take 10 days from the first time I called and that I should be paid by May 23rd. Seems like a very long time since direct deposit is a very quick thing to correct. I don't have a lot of patience for insurance companies that would cancel me in an instant if I didn't pay my bill, but take their darn sweet time when they have to PAY ME.