Our dog was anaphylactic (swollen face, difficulty breathing) to vaccines since she was a puppy. Her vet recommended that she is given pre-treatment with her vaccines to keep her safe. She had her annual vaccines just recently Recently I was told by Trupanion that since this was a pre-treatment, it was PREVENTATIVE CARE and thus not covered. However if she suffered an allergic reaction and then we bring her in then it is a covered condition. Individuals with a known peanut allergy who take an epi-pen after peanut ingestion is not preventative care, it's treating an exposure to a known trigger. A dog with a known vaccine allergy who take medication due to expected vaccine exposure is not preventative care, it's treating an exposure to a known (and necessary) trigger. I am very disappointed in trupanion's position that she needs to suffer with potentially deadly consequences in order for something like this to be covered when she was exposed to something she is known to be allergic to! I don't think this is how a company who says that they are "dedicated to helping dogs and cats get the best care" should operate.

I tried to get pharmacy information & was stuck in an endless loop which didn't progress. I also tried to add direct deposit information & that didn't progress either. This is the first time I have used Fetch & I REALLY hope this isn't an indication of how they work.

I adopted 2 healthy 4mo kittens from a shelter and paid $750/yr to insure two kittens and added preventative care add-on option. They declined my first vet visit for “pre existing condition “ no explanation. Then they declined my 2nd visit doing routine vaccines (which should be covered under the add-on). No explanation this time. The app just says it was mailed to me but I didn’t receive anything . Also this took weeks for them to do. Really frustrating process which makes no sense. Complete waste of money and time.

Delays in processing, repeated phone calls and consistent 'loss' of invoices from our veterinarians. Really? We submit on time and thoroughly but then have to keep calling to request claim processing. We are not comfortable referring new clients to Embrace anymore. Our rates skyrocket each year despite healthy dogs.

Awful truely awful. If you get the free 30 day trial. Don't do anything with it. Even though you will get coverage for hereditary issues. They won't pay for anything! Just there for your money. If you have to get this insurance. Do not take your dog the the vet of over a year, that is when the insurance actually kicks in. After a whole year of paying them you will likely get scammed saying how hereditary doesn't cover anything. Good luck take your pets else where and send this fake company straight downward!

I submitted my claims more than a month ago. Every time I sent messages or emails I didn’t get any response. I submitted all required papers from my veterinarian. I just got the response it can take up to a month. Finally I got an email saying that my claims are on “review” and I should wait. The worst insurance ever.

Complete scam of a company. Google the criminal fraud cases, the SEC and several states are after them. They belong in prison and law enforcement will surely get them there soon. So many different law enforcement agencies are after them. This company is disgusting.

Once again this insurance continues to fail when it matters most. I had to bring my cat in for a cardio exam, without it he can't get a dental appointment because the dentist won't risk putting him under otherwise. Fine, sure, can't do anything about it but bite that bullet. At least I have pet insurance, surely that will help! Ah but of course. Claim denied in full, not even a partial coverage or anything put towards deductible. This insurance charges more every year and covers less and less. Absolutely trash, won't be renewing.

They don’t cover anything. There is a waiting period and nothing goes to the deductible you select and the premium is high for this.

Was worth the price at first. Prices are going up insanely high. Would recommend maybe fetch or other leading competitors. The service ive gotten for the price i pay a month for my baby boy should be way better. Bring costs back down before we switch companies. We’ve been using them for 3 years. No longer worth it. Prices for the same animal breed but for two different pets are different by $10. I pay $50 a month for one cat and $60 a month for another and still have a hard time when filing a claim. Make it make sense. Bring your costs down. Scam artists.