Telling me about your policy and I'm sorry that I didn't whatever with your policy does not help. You guys should be covering my dog's allergies because he was covered under your insurance for a while before he had those allergies come up with and because of a technicality that the last checkup he had was too old for you to use you won't cover it . That is BS you suck and all you wanted to do was just not allow a claim to go through that's what insurance companies do they rip people off . You're not any different. It was a few days I'm sure maybe a week too old for you guys that's ridiculous after all the money I've spent with you for years having Insurance on all my pets with you when Sam passes I'm canceling everyone's insurance from your company you have me stuck right now. I've been with this company for a very long time. The reason I'm giving them a two is because of something terrible they've done. My dog had a physical and when I got the insurance the physical was too old for them to use this is 2 years later I find out he has allergies he started getting allergies and they won't cover it because of his expired time frame of his physical. They know damn well that didn't start until 2 years into his insurance. I think that's terrible that screwed up and that's not a good way to keep customers. The only reason I'm still with him is because I have a dog that's 16 years old and he needs his insurance. Otherwise I would have left I'm just waiting for Sam not to be around anymore and I'm done with them. That is the crappiest thing I've ever had any company do the worst customer service ever. Just trying to rip me off after I've been paying for my two older dogs insurance and now cashes. And that's awful. Very bad business very very bad business

Seems as though my policy was approved without any input to myself. I thought certain items would be included and they were not. May have made my decision to not get the insurance. Still haven’t fully seen what I paid for.

I have been with Trupanion for 9 years for 3 English Bulldogs. Last year appears they have gone automated for approval - and it is a nightmare!! I had to call 3 times b/c denied 3 times for meds that have been covered and deductible of $1000 met for many years!! I was told it is the automated system making the mistake. Therefore, we will remove you from the auatomated approval system. However, they did not remove b/c some problem AGAIN when I submitted second invoice for a dif med - denied when deductible met and have been reimbursing me for years for this med. Constantly on the PHONE with inept employees. They are too lazy to look at past history and SEE the meds have been covered for YEARS and deductible MET!! Turpanion has failed at customer service for past two years and I do not see it changing. Ironically, first sentence on denial email stated "YOU have met your $1000 deductible" then the invoice was denied stating NOT met deductible! IDIOTS!!! Very dissatisfied customer! Use TRUPANION if you want to stay on phone constantly to get approved for their ineptness and you have lots of TIME to waste.

Has been a really bad experience not even covering half of the emergency and paid after 3 months has been the worst insurance I'd ever had and I am trying to cancel it and now you don't even let that and I'll report it

After I signed up and sent money, I was given an email saying that my insurance has not started yet pending some reviews. I don’t know if I even have insurance or what my policy is or where are my insurance cards or any information so I’m not pleased so far.

I would not recommend Fetch. They tripled the monthly payment because they did not want my dog on their insurance. They told me it was because of rising prices. Lie. They went from $56 a month to $148 a month. I did not even meet the deductible for last year. I did a new quot different dog name and email. Same insurance was $53 a month same zip code. I was not even given a refund when I cancelled. Go to anyone else avoid Fetch.

Update, after getting vet to write a leeter confirming this was not a preexisting condition. They asked for vet notes. And because he had pancreatitis in March and unrelated event in late December they say it is preexisting condition. Pleasr avoid this company if you have older dog. I had to switch after my previous insurance provider stopped providing pet insurance. I wish i never heard of this company. They twist information to fight any claim. Absolutely the worst company for pet insurance. My dog of 12 years had this insurance after previous provider closed up. Right before the end of year I ended up in ER and few days later lost him. They pulled from a vomit issues from over a year to deny my claims as preexisting condition. Totally unrelated. If you have this insurance be prepared to have to fight. And this whole experience has me re living the events when I lost my little buddy.

Embrace's customer care phone number listed on their web page leads you to an AI generated insurance site peddling Medicare devices. They refuse to remove your credit card information from their business.

This is the worst pet insurance I ever had. Their billing dept is incompetent! My previous company stopped selling pet insurance. Choosing ASPCA was a mistake. I cancelled when one pet died and canceled the other one in January 2025. They have just drafted my account for both pets yet again even though one died in Sept 2024. I will spend another 30 minutes on the phone today trying to get them to understand! Uggg

I just received my annual premium renewal for my Rhodesian Ridgeback from Healthy Paws and I had to call them to make sure their email was accurate: The email said they would be increasing my monthly premium from $157.40/month to $416.65/month. And this was for a policy that we literally never use. On the call, they said that the increase was due to the high amount of pet medical claims in my state. Insta-CANCEL! Sorry, but I won’t be subsiding other people’s pet bills. I’d rather put that $5k per year to work in a CD.