Company more than doubled my pet premiums with little notice. No explanation and I had to call in to find out why. I couldn’t get an acceptable answer. Now I’m stuck with this company due to pre existing conditions which really upsets me as a consumer. I thought my premiums were stable.

I’ve spent enough time trying to figure out what claims I submitted were covered. From what I could see very few of my claims were covered. Trupanion‘s website needs improvement. I canceled my membership. Paying monthly and wasting money.

Claims process is a pain in the a.... Trupanion is 1 click email not so with this.

All they do is raise premiums when you're in too deep. And, like most insurers, they love denying claims. I regret not just saving the money in an interest-bearing account. 100% not worth it.

I don't like how.i spent 221 for insurance, and since shes an adopted dog and got kennel cough right when we got her, I couldn't use my insurances when it was important to get her checked and medication.

Horrible. Accepted us under insurance and then conveniently wouldn't cover claims because of “pre-existing conditions…” despite being undiagnosed for anything. It would have been nice if they told us this before we paid a large sum of money for multiple months. We recieved 0$ despite clearly meeting our deductible… and oh by the way, all the money we spent on those bills did not EVEN count for the deductible… Anyone having these issues just go to AKC as they are only pet insurance that’ll cover “pre-existing” conditions. This also applies to “pre-existing” conditions that are UNDIAGNOSED. DON’T WASTE YOUR MONEY!!!!!

Stay away from this “service” it’s more of a scam than anything. They do everything in their power not to pay and even for the most obvious issues. Delay, delay, then deny, deny. Makes United Healthcare look like a good option.

The first year I signed up for Embrace for our 7-year old Maltese, our premiums were $93/month for unlimited annual and lifetime coverage, with a $500 annual deductible and 90% coverage. When it came time to renew for year two, I was notified that my premiums would go up 52% to $141/month for the same coverage. I had to significantly cut our coverage to reduce our policy back to the same $93/month. This felt like a big bait and switch, but we already invested a year in this plan so we opted to continue at the lower coverage level. The customer service agents are friendly and helpful but the company seems set up to provide increasingly fewer benefits for more money over time.

I am beyond disappointed with Spot Pet Insurance. They are nothing more than a scam designed to take your money without providing the service they promise. Despite submitting all required documentation multiple times, they denied my claim with the excuse that the records were not provided—this is an outright lie. I personally submitted the paperwork multiple times, and so did my regular vet, the emergency vet, and the specialty vet. I was BCC’d on every email they sent to Spot, so I know for a fact that all the required records were submitted. Yet, Spot still denied the claim, saying they never received the records. This is completely unacceptable and unprofessional, and it proves that Spot Pet Insurance will do everything they can to avoid paying claims. They are taking advantage of pet owners during stressful and emotional times when their pets need care the most. If you are considering Spot Pet Insurance, do yourself a favor and look elsewhere. They are dishonest and will waste your time and money. I would give them zero stars if I could. Avoid Spot Pet Insurance at all costs!

I am still waiting for an answer.