Not good at ALL with TURN around time on payments. Had to keep calling to see if they got records after VET DID send..they say they never get records. Called numerous times to keep informed of investigation. Went in 2021 to Blue Pearl only for a second opinion and was only time Bella was there. This is 2024/2025 and they STILL want records for this VET!!!!!! There is NOTHING TO TELL YOU FROM THIS VET!! Bellas' VET is FAMILY PET CLINIC #2. Talked to a service rep and did not know his/her job. Asked to speak to a supervisor rep was not happy I asked for Supervisor. Told me that he could do what the Supervisor would do. This claim Finally got settled through the good graces of Shelby a Supervisor. Now March 3rd had to take Bella to Vet again she woke up and could not use her back legs or walk. Diagnosis was Arthritis of the spine and some in the knees. Put on anti-Inflammatory med, recheck in two weeks. March 17th recheck for Bella and given a vaccine shot. NOE with these two claims having the same trouble. They are waiting to hear from Blue Pearl too!! LIKE I SAID! This was for a second opinion in 2021!!!!! She has not been there since, or I hope she does not have to return her, because if she does this would be for a SERIOUS ILLNESS! I have written on the FRONT of the Invoice I sent that She only goes to the above VET. Family Pet #2!! Hope my claim gets settled soon Now it is March 20th waiting for a claim from March 3rd and March 17th. I have had another insurance for Bella and NEVER had any trouble like this. The adjusters are not on top of things here. Just post an e- mail. Never calls to reach out to customer. I have put plenty of calls into Embrace. One thing I can say the Marcey, Morgan, Dillon, Danielle and Tyler, have tried to help from Embrace it is the adjusters lacking something!! Right now, not happy with Embrace!

The company considers everything a pre-existing condition, even if you take your pet to the veterinarian and the vet "suspects" it might be a certain condition. They deny every office visit even if you are taking your pet because you are not sure what the issue is. If you do not buy figo insurance at birth, you might as well not buy it at all. Very disappointed this is a Costco recommended company.

I moved and called the change address. Despite the fact that I use the same vet they made my policy way more expensive just by changing my mailing address. Was scammy and the man on the phone was very unprofessional and rude to me. I canceled.

Very poor services, they are only there to take your money would not recommend to my worst enemy, had a claim in since Nov 2024 and they keep delaying and changing my costs on my DD, and now they would like me to renew from April, really i have told them to forgot the claim and cancel my Policy PLEASE STAY WELL AWAY

I initially chose Trupanion because of its per-condition deductible, which seemed like a great deal. The idea that once you pay the deductible for a condition, you’re covered for life sounded like a financial safety net. But there’s a catch—what you think a condition is and what they classify it as can be entirely different. I have a golden retriever and live in California, where vet care is already expensive. Over the years, I’ve paid thousands out of pocket for the same recurring issues, thinking I'd eventually see the benefit of having met the deductible. Instead, I was repeatedly disappointed to find that Trupanion either classified the conditions differently or found other ways to reduce meaningful coverage. To make things worse, Trupanion doesn’t cover exam fees, or certain other essential costs, meaning that even if they approve a claim, you still end up paying a large portion of the bill yourself. So between denied claims, reclassified conditions, and excluded fees, I was left covering far more than I ever expected. Yesterday, when they pulled the same stunt yet again for one of my recent claims, I finally sat down and did the math. And what I found was infuriating: Total amount claimed (across multiple years): $18,785.07 Total amount paid by Trupanion: $4,074.02 Percentage of total expenses actually covered: 21.69% And this doesn’t even factor in the monthly premiums I paid on top of it. When I do the math, I might as well have skipped insurance altogether and just covered my pet’s medical bills myself. It would have cost me about the same, if not less. Now, I am considering switching to a different pet insurance. While they have a waiting period for curable pre-existing conditions, I am happy to wait it out—because let’s be honest, Trupanion isn’t paying for those conditions anyway. At this point, I might as well put everything out of pocket while I wait for better coverage. If you're considering Trupanion, think twice. Their deductible structure sounds promising, but their classification loopholes, exclusions, and lack of coverage for essential vet costs mean you might never actually reach your deductible for conditions you thought were covered. At this point, I feel like I’ve wasted money that could have gone directly into my pet’s care instead of into an insurance plan that gave me little in return. I wouldn’t recommend Trupanion to anyone expecting true financial relief from pet medical expenses. Save your money, start an emergency pet fund, and skip the frustration!

I've made about 6 calls, 4 in one day. They covered my claim and then said it was processed on their end on 3/10, it's 3/18 and the payment is nowhere to be found. At first they said call if it's not there in 3 days, now all the sudden it's 7-10 days. They just keep telling me that it's "approved and paid out" on their end, but they can't even tell me the full account number they sent it to. I've been back and forth with them and the bank for DAYS, the bank has ZERO record and it was never direct deposited. I had to escalate it to a manager on the 6th call because they just kept saying it looked like it was paid in their system and wouldn't give me any answers besides "call your bank". Finally they agreed to put a trace on the payment and said it would likely take a full day to go through and they'd call me with the info. 2 days later, no phone call and no info. Cancelling as soon as they pay me. Update: it's March 24, Spot responded to this review saying they'd "look into it" 3 days ago and I haven't heard anything from them and I'm still missing my almost $700 they owe me. Update: 4/1/2025, no reimbursement

I am shocked at one of your commercials, it starts out with a young girl and a word bleeped out. Shame on Spot ins. I was looking for insurance for my cat but will look elsewhere. Is this how you want your company to be known for. Cursing and bleeping? You know I am but one person, and one person means nothing to a company like you. But will all my hopes and prayers, I hope I will not be just one person. Shame.

We signed up for pet insurance a year ago. We got denied our claim the first time we had to use it. You are better off putting money in savings for pet insurance than paying for a corrupt business that chooses what it wants to pay. My dog had NO pre-existing condition. My dog got his first ear infection, and he was denied. Now, we lose money paying monthly pet insurance and a vet bill. Do you think they would offer us a refund? Absolutely not! SCAM SCAM: The best advice I can give is to avoid this company.

Nearly all claims submitted over 2+ years were denied outright or when paid the reimbursement was a fraction of what we paid to our veterinarian. Even with partial reimbursement when our dog had pneumonia and our cat had skin lesions we never came close to the amounts we paid for premiums. We would have better better off just paying the vet bills with no insurance rather than paying the premiums.

I'm sorry I left my other pet insurance for Pet's Best. I'm paying a monthly premium and my cat got sick. They haven't paid a dime to me plus they won't reimburse for his medicine.