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.

Response to claim was quick, but I had to submit twice due to prepayment for one test. I understand the service was not yet rendered, but I wouldn't have paid if I did not intend to drop off the sample. Why make me submit twice... the amount was paid.

This company will do anything it can to get out of paying a valid claim- You can call them the UNited Healthcare of pet insurance

Have not been remembered!!!!

Would provide 0 stars if possible. All claims submitted have been denied in full without explanation despite my policy documents stating that visits would be covered, at least in part. Customer service is abysmal. Will not recommend and have had to find and purchase a policy elsewhere in addition to the one I supposedly have here. Run don't walk from this scam. They are happy to take your money, but have provided absolutely no benefits, to my pet or my family. Simply wasted my funds and caused additional stress from the extra time and frustration allocated to trying to contact a person to provide assistance or information at every step, even with simple requests like updating my pets name upon bringing him home from the breeder when first incorporated to our family. Save yourself the frustration and your premium and just find a reputable policy or pay out of pocket to your vet as required.

This company has the worst customer service. I have been running in circles trying to get more information on why my pet’s claim was declined. Each email and phone call they give me the same general answer of “it was a pre-existing condition” but when I ask how this is determined and show proof that it was not a pre-existing condition they cannot give me any information. They will deem everything pre-existing so they do not reimburse anything. Customer service is all run by bots so it is extremely difficult to talk to a real person.

I had always been happy with my Nationwide Pet Insurance and recommended them to everyone, until now. Insurance saved me quite a bit of money in the past with both my dogs, however, they don't save you nearly as much as they used to, and I'm not sure the cost of the policy is worth the amount they reimburse for. I'm sure everyone has noticed a significant increase in veterinary expenses; diagnostics like X-rays, ultrasounds, and medications have gone up in price substantially in the last five years, as well as the cost of insurance, yet the coverage the insurance provides is the same as it was back in 2018 when I first got my pets insurance policy. My insurance has gone up $100.00 per month in the last two years, but the amount they reimburse for everything has remained the exact same amount. I find that to be a bit insane. I guess it's to be expected when it comes to insurance companies, but it's hard to justify spending over $2500 per year on pet insurance, which now only covers about half the amount of the vet bills. I'm still left paying thousands, on top of the thousands I'm paying for coverage. If my dog weren't a senior at this point, I'd be shopping for a new insurance company, but I definitely won't be referring people anymore. I would think that at least some sort of benefits increase would be warranted at this point.

SPOT PET INSURANCE IS A SCAM! THEY LOVE TAKING MY MONTHLY PREMIUM'S BUT WHEN IT CAME TIME TO MAKE A FIRST CLAIM THEY CAME UP WITH A B.S. PRE-EXISTING CONDITIONS AND WOULD NOT COVER THE TREATMENT OF THE LARGE HEMATOMA ON MY BOYS RIGHT EAR. BEWARE!!!!!!!!!!!!!!!!!! DO NOT WASTE YOUR MONEY!!!!!!!!!! B.W. / COMMERCE TWP. MI

Very disappointed in the length of time it took to settle my claim.

We have a French bulldog named Hugo and we scheduled him for surgery for his brachycephalic syndrome and we got a reply from Trupanion that they will not cover his surgery We've been paying a monthly premium of $250 / month for over 2 years now. And to find out that they won't cover for his surgery is preposterous, I could've put that money aside for his surgery. I wouldn't recommend Trupanion for anyone with a frenchie