Terrible. People with zero medical knowledge are following a vague flow chart that is divorced from reality. An allergy will prevent your pet from getting reimbursement for ANYTHING because they are "secondary symptoms." Giardia is NOT a symptom of an allergy. Simply garbage. Cancelling coverage now.

1. It is frustrating to use your chat system as it was not getting me anyware. Due to circumstances with regard to using my debit card, I wish to make payments via e-checks which is more secure; and 2. I submitted a claim (2nd time) on December 16 and I have heard anything as to the status. The virtual chat system is not totally appropriate

I'm canceling this insurance. I spend $95 per month and visit the vet yearly. This years' vet visit with shots and ear issue cost was almost $500. Pets Best gave me $0 reimbursement.

Fetch denied medical coverage due to lack of documentation requirement that is found on one sentence of a 36-page claim document. Even though my pet had no pre-existing medical conditions - Fetch denied the claim and was delinquent in providing updates about their review process claiming several 'truths' such as claim documentation takes up to a week to upload and it takes several days to review, etc. I wasted over a thousand dollars on a policy and hours on the phone chasing an insurance company and trying to convince them to do the right thing to no avail. --------------- In response to the reply from Fetch - I believe your understanding of our situation is inaccurate which isn't surprising considering I receive conflicting information from Fetch regularly. Here are the facts: My pre-authorization for coverage was for the leg not previously injured and surgically repaired which Fetch also denied, but as it was pre-existing I did not dispute that conclusion. What was very disappointing to learn was the other leg was not covered despite having medical evidence from the veterinarian that it was in good health both at the inception of the policy but also at the 30-day mark of the policy when there was an expectation for us to provide 'a certificate of knee health' to indicate there was no pre-existing condition of that leg. Fetch decided that because that exam and 'certificate' wasn't provided to them in the first 30 days - they would stand on that very specific and shaky ground to leverage the opportunity to deny coverage suggesting they place higher value on profitability vs. customer experience and/or pet health. The choice to do the right thing was simple - yet it wasn't taken so I am offended at any communication from Fetch which indicates sympathy. If Fetch was sympathetic or empathetic to our situation they could make the choice to cover a 'certified' healthy knee that was healthy for the first 6 months of the policy (the entirety of the waiting period). Instead they chose to bow out because the notation of health occurred on day 60 vs. 30. Even though we all know that if the knee was healthy on day 60 it was certainly healthy on day 30. If you're truly sorry then cover the claim or just refund me the money I've wasted on this policy so I can try to cover these medical expenses myself.

They want your money but don’t want to pay out anything, it honestly feels like a scam. As soon as a better option becomes available in the market, I encourage everyone to switch.

While ASPCA has created a very sleek and user-friendly interface for submitting and tracking a claim, I have found a NUMBER of deficiencies in their up front information and back-end service. While having a rep answer the phone quickly and having access to a kind veterinary nurse on the end of a telehealth line are all very helpful as a consumer - I was pretty floored to find that neutering and spaying aren't covered under their basic preventative care plan...the hard way. If you hope to be reimbursed for this VERY COMMON procedure, you MUST select their PRIME care package, in order to have any reimbursement for those costs. Since ASPCA did a poor job of making this information clear up front, I'm hoping this review saves someone else the trouble I've gone through. You have to read through all of the itemized treatments/procedures to see that it's not covered, which wasn't apparent, nor that there was even an upgraded insurance package available.

From your yearly email. We recently reviewed the data for similar pets in your area, and we found that the average cost and use of veterinary care has increased. To ensure that Chase always has access to the best veterinary care possible, we’ll be changing Chase's monthly cost from $157.50 to $219.44 starting on February 26, 2025. Trupanion is unique in that we never increase your monthly cost because you’ve submitted an invoice or because your pet ages. We’re here so you can utilize your coverage and help your pet get the best care possible when they need it most — with no payout limits. February 2023 $157.50 Monthly February 2024 $184.33 Monthly February 2025 $219.44 Monthly. How is this not raising our rates yearly. When your pet gets to the age of really needing this insurance, you can't afford it. This is totally unacceptable, your company is a fraud...

Trouble getting reimbursed for my cat's prescription food.

I purchased my pet insurance in good faith. Submitted a claim that said I would receive my reimbursement within 5 days. It’s been over two weeks. I asked about it and was told they needed a medical history. All I took my pet in for was vaccinations that were needed. No medical history of illness just needed his shots to protect him. Still never received payment…

Dental cleaning is supposed to be covered with our plan up to $100. Our dog usually gets dental cleaning every 3 years because that's when medically necessary as deemed by our vet. He did have to get an extraction due to chewing on something he was supposed to have, causing a fracture. While he was under anesthesia, they suggested to do the dental cleaning even though the tartar wasn't too bad. It saved us from putting him under anesthesia again (and he's older) later this year to undergo the cleaning. They wouldn't cover the cleaning becuase they said there was tartar mentioned in his notes 6 months ago. They only cover cleaning when there's nothing wrong with the teeth - no one will put their dog under anesthesia for a dental cleaning if there is nothing to clean. That is the only way they will cover it. Trying to get away with whatever they can to not cover something that clearly should be covered. Should be ashamed of themselves.