I paid my premiums EVERY MONTH for over 2 years. Difficulty with online claim filing (unable to upload documents) left me with 2 years of no help with vet bills. Finally customer service gave an email address. After spending hours sending all my ITEMIZED INVOICES FROM THE VET OFFICE, the claim was denied stating the invoices needed to be itemized??? I inquired about getting which invoices were unacceptable. Only response was that they were not itemized. APPARENTLY I HAVE DONATED $1000 TO PETS BEST IN THE PAST FEW YEARS. Please check out another company. Don't donate your hard earned money to this company, like I was forced to do.

We recently got a puppy, and the first owners had a one-month insurance policy with Trupanion, which we were encouraged to renew. During a routine vet visit for vaccinations, our vet noticed that our 14-week-old puppy had lower canines growing into the upper inner gums—a teething issue that had just started. When we called Trupanion, we spoke with Amanda from Sales, who assured us that this issue would be covered under the policy if we renewed. Trusting her word, we renewed the policy. However, after our vet submitted a pre-approval for the extraction procedure, Trupanion denied the claim, stating it was a pre-existing condition. This was never raised as an issue during renewal. When we called back to contest the decision, they continued to make excuses, eventually claiming the issue was reported within 30 days of renewal and therefore ineligible. Why are we paying such high premiums for a company that denies valid claims using vague and shifting excuses? They misled us into renewing the policy with assurances of coverage, only to leave us with no support when we needed it most. This is especially infuriating as it concerns a young, 14-week-old puppy just starting to teethe—something no one could predict. It feels like Trupanion is exploiting pet owners, offering false assurances while denying legitimate claims under the guise of "pre-existing conditions." New pet owners are already anxious and adjusting, and this kind of dishonesty only adds to the stress. Trupanion has shown zero care or compassion and seems more focused on collecting premiums than supporting pets or their owners. Avoid Trupanion. They are nothing more than scammers preying on vulnerable pet owners. Date of experience: January 21, 2025

Trupanion is great IF you don't use it. Now that my sweet Maltese is almost 12 and starting to have some health issues, Trupanion systematically rejects all claims, closes them out, and insists on me filing an appeal for every claim. It is maddening and no way to treat a customer who has paid them thousands of dollars in premiums. -They also falsely advertise that my particular vet can be paid directly, with no claims filed by me. My vet has never heard of this program and says they get complaints about Trupanion's false advertising all the time.

Fetch are the most deceitful and scammiest pet insurance provider that is out there. Avoid them. They gave me a day where I would be able to submit claims and they changed the date by one day to avoid paying for my claim. They advertised one thing and then changed it by one day after the 15 day waiting period. They are liars. I have provided feedback but they really could care less. They will probably respond here and say oh please let us know what has happened. I will email them and get in contact and they will not give a darn. Stay away from Fetch they are an absolute scam.

I pay $125 per month, they covered $50 of the vet bill for well visit and did not cover the bortella vaccine. This is a requirement for dog boarding. I think this has become a very greedy company. I am afraid if there is a larger problem and they will over much less than expected. Disappointing company.

We recently got a puppy, and the first owners had a one-month insurance policy with Trupanion, which we were encouraged to renew. During a routine vet visit for vaccinations, our vet noticed that our 14-week-old puppy had lower canines growing into the upper inner gums—a teething issue that had just started. When we called Trupanion, we spoke with Amanda from Sales, who assured us that this issue would be covered under the policy if we renewed. Trusting her word, we renewed the policy. However, after our vet submitted a pre-approval for the extraction procedure, Trupanion denied the claim, stating it was a pre-existing condition. This was never raised as an issue during renewal. When we called back to contest the decision, they continued to make excuses, eventually claiming the issue was reported within 30 days of renewal and therefore ineligible. Why are we paying such high premiums for a company that denies valid claims using vague and shifting excuses? They misled us into renewing the policy with assurances of coverage, only to leave us with no support when we needed it most. This is especially infuriating as it concerns a young, 14-week-old puppy just starting to teethe—something no one could predict. It feels like Trupanion is exploiting pet owners, offering false assurances while denying legitimate claims under the guise of "pre-existing conditions." New pet owners are already anxious and adjusting, and this kind of dishonesty only adds to the stress. Trupanion has shown zero care or compassion and seems more focused on collecting premiums than supporting pets or their owners. Avoid Trupanion. They are nothing more than scammers preying on vulnerable pet owners.

UPDATE: This is a canned response and is not in any way an answer. Corporations are all gouging us and all record profits they are making showing the gouging increases are not necessary. Just look at all corporations profits. They are not satisfied making money they are greedy and want more and more and more from us! Money we simply do not have! Until we stop buying from the corps doing this they won’t stop! The control is in our hands. Notice their answer is for us to pay MORE out of pocket to lower premiums which is counter to the reason for buying insurance to help SAVE US FROM MORE OUT OF POCKET EXPENSES. They want to charge us more and give us less. Again, that’s corporate gouging. 1st posting…👇 We have been with Embrace since 2007. We used to pay $200 a month for 3 Mastiffs at one time with $200 deductible & 90% coverage, but now we are down to 1 mastiff and he is at 80% & $500 deductible and paying way over $200 per mo. This is LUDICROUS. You have made it so that Bastian is our LAST MASTIFF & maybe last dog because as we go into retirement with only Social Security to live on there is no way we can afford it - we can barely afford the payments now while still working. Many dogs will now die because people are being forced to cut back and not have them because they are too much of an expense all because of CORPORATE GOUGING & GREED. Shame on you all. I am so disappointed and heart broken because these mastiffs are the best breed in the world.

Paid into ASPCA pet insurance for 10 months for four cats to the tune of $2,500+ with virtually no claims other than a few preventative reimbursements, and when I actually did have a claim, for a congenital issue with one of my new kittens - literally added him to my policy and took him to the vet that day, he was diagnosed that day and I submitted a claim a few months later for his first round of treatment- they refused to cover the defect. Because he was born with this, and because he was seen before the waiting period had expired, they will not cover it. Had I known that even though ASPCA advertises 0 waiting periods everywhere, apparently the advertisements don't apply in my state, I would've gone with another insurance that does not have waiting periods, or I would've signed up for AKC insurance where they will cover pre-existing conditions after 365 days. Now I'm in a pickle, 7 months into my kittens coverage with this insurance, which could've been 7 months with AKC who would cover this congenital issue, or I could've worked with another insurance to get him coverage for this issue at the beginning. It's kind of a shame how they handled this situation. ASPCA doesn't care about your animals unless they can make money off of them.

I called customer service and can't talk to anyone that can explain if I buy the brand of over the counter medicine, on your formulary, for Whiskey, who was diagnosed with Pancreatic insufficiency, whether it will be covered. Then I was told no one can answer that question, this is like property insurance, not medical insurance. This isn't a proper way to run a pet medical Insurance service. It would be nice if someone could answer my question.

Not pleased