This pet insurance is a complete RIP off, two dogs and paying over $120 a month for even the premium care and all of that, just to get back $25 on over $600 of a bill. WHAT A SLAP IN THE FACE. They DO NOT give you anything written that shows HOW they came up with that, and try to mess with you and never call you back when promise. Also, had to follow up 17 times in two weeks JUST to get an answer. They automatically send INCORRECT information out. STAY FAR AND CLEAR from this insurance that steals money!

I have the wellness and illness and accident coverage. Of a wellness examine and some vacs it was 170$. Ok was reimbursed like we $54. Seems low. I think my dog has zero vet visits this year as well. Maybe one.

Definitely not worth continuing. They refused to cover routine preventative vaccinations, and the ones which were covered were reimbursed at a fraction of the customary cost. They also refused to cover allergy treatment, though failing to treat leads to skin infections. I do not want to continue paying high premiums only to find out what they won’t cover in the future. My family will take that money and self insure, again.

I am extremely disappointed in Fetch Pet Insurance. One of the main reasons I chose Fetch was its coverage for integrative treatments like acupuncture and physical therapy. However, when I finally needed to use that coverage, they found a loophole to deny my claim. My veterinary specialist referred my dog to the most highly recommended licensed canine physical therapist in Utah. Despite physical therapists not needing to be veterinarians in Utah, Fetch refused coverage simply because he isn’t a DVM. This is incredibly frustrating, especially considering I’ve paid tens of thousands of dollars in premiums over the years for my senior dogs and have rarely received reimbursements. I will be canceling my policy before the next renewal and will never use or recommend Fetch again. As someone deeply connected in the animal industry, I will make sure others are aware of this disappointing experience. If you’re considering Fetch, be warned—they may not stand by their advertised coverage when you need it most.

We used to have Nationwide for pet insurance until they stopped offering it. With Spot we pay over $100 a month. We have our deductible paid fir year and 90% that they are supposed to pay. Dog had teeth cleaning done with a few extractions. Bill was around $900. We are only getting $150 back from Spot. Looking at coverage they should have paid ALOT more! Funny this us exactly the same amount we got for a $350 bill three weeks prior for blood work. Im getting a feeling Spot is a scam and they lie to get your money. DO NOT USE SPOT!

Beware beware there is no way I believe these reviews most have to be artificially generated check the Better Business Bureau pay 2 years on this policy every single claim denied read your policy read your policy it covers nothing and you will not find this out until you absolutely need it two years down the drain my dog will die because of this company I encourage a class action suit

So far can't state whether I really like or dislike. This is my first time submitting a claim

Just getting started

Awful! I have been paying on this insurance for 7 years and they wanted me to pay the deductible for vet visit just under $500 cost. Just ridiculous! Better off starting a saving fund for your pet’s vet visit then paying into pet insurance! Total scam! Total joke!

Membership number: TU0004580670 Invoice number: 28103Claim number: 52726808 Disappointment in Your Organization’s Approach to Animal Care Dear to whomever it concerns, I am deeply disappointed given the fact that your organization claims to help animals and their owners. Girly (Pet) was found on the side of the highway during the holiday travel rush. Like many, we could have ignored her, but instead, we stopped. Seeing how severe her injuries were and not knowing her chances of survival, we took her to the vet to ensure she received care. When we learned about her fracture, we didn’t want to be selfish, so I brought her to Animal Shelter, believing they could provide the proper treatment she needed. However, upon visiting her, I was devastated to learn that due to financial constraints, the shelter was considering possibly amputating her leg rather than exploring other treatment options. That did not sit right with me, as I felt Girly deserved every chance at recovery. On January 3rd, 2025, I made the decision to adopt her so she could receive the care she truly needed. I found an orthopedic specialist who shares my belief that amputation should only be a last resort. This veterinarian understands the true value of an animal’s life and well-being. It breaks my heart that organizations like yours seem to prioritize finances over genuinely helping both pets and their owners. True compassion means doing what is best for the animal, not simply what is most convenient or cost-effective. I sincerely hope you reconsider your approach to animal care so that others do not have to go through a similar experience. I was unaware of pet insurance until recently, and many individuals highly recommended your company. However, after receiving your invoice and learning that you are unable to proceed with my claim, I am deeply disappointed. I understand that Girly’s condition was pre-existing when we found her, but I had hoped that your company would consider the unique circumstances of her situation. She was abandoned and injured when we rescued her, and we took every step to ensure she received proper care. I believed that your organization, which prides itself on supporting pet owners, would be willing to work with us to find a fair solution. Unfortunately, given this experience, I can no longer recommend your company due to the lack of understanding and flexibility in handling cases like ours. I had expected more compassion and willingness to help from a company dedicated to animal welfare. Sincerely, Thalia --------ADD---------- I appreciate you taking the time to explain Trupanion’s policy regarding pre-existing conditions. I completely understand that insurance is designed for unexpected events and that your company must apply policies fairly to all members. However, I want to clarify that Girly was found in critical condition on the side of the highway. At the time, we had no prior history of her medical condition—we simply acted out of comp