This service has gone up astronomically in the 3 years since I’ve been a member. When I started the monthly price was $73 in the 3 years since it has gone up to $215 yet they cover almost nothing. This service is a waste of money and borderline corrupt with the amount it has increased year over year. I would not recommend Trupanion to anyone. UPDATE: In response to the below from Trupanion I spoke to someone this morning and it did nothing to make me feel any differently that this is a completely broken process. Barely covers anything and price goes up astronomically. $73 to $215 in 3 years is a complete joke. You can go ahead and reach out to me directly if you have anything to say about it. The cut and paste jargon below does nothing to assuage my concerns.

I purchased this insurance through Progressive for my cat and made sure to get a plan that covered teeth cleanings. It came time to bring my cat in for a teeth cleaning, and the vet found brand new dental issues (tooth re-absorption) that required extractions as they are quite painful for cats. The bill ended up being quite expensive surprise. When I submitted it to ManyPets, they denied everything, including the cleaning that my plan explictly covers $150/year for, on the grounds that my cat had evidence of gingivitis (what cat doesn't) so therefore the brand new tooth reabsorption was a pre-existing condition. My vet put together a very well evidenced rebuttal proving that the tooth reabsorption was a new issue, unrelated to the gingivitis, that no one had known about (again, this happened during a teeth cleaning visit). ManyPets response was to cover the $150 for the cleaning they initially denied, and nothing else. I do not recommend this insurance and am very frustrated that Progressive recommended it to me. It's one thing to deny claims for frivolous reasons, it's another to deny routine care that do not come with any conditions on the contract. I will be changing providers as soon as my term is up.

Absolutely terrible. And giving me the run around for months. quick to take my monthly payment but when it comes time to claims they are doing everything possible to waste my time and try to find ways to not pay out the claim. End of the day they will need to pay the claim but it's very frustrating that they're wasting so much of my time trying to fight about paying a claim when I pay them every month for insurance so why do I have to fight with them when the time comes for them to honor their end of the agreement. they clearly dont care About my pet if they're not reimbursing the vet bills making it harder for me to afford to take her back to the vet and when I explain this to them they act like they don't care ... I've tried calling them asking for a supervisor and sat on the phone on hold 30 minutes . Job and can't just take all day to sit on hold for pet insurance to try to get them to honor their end of their contract slash agreement. its very frustrating being stuck with this insurance to avoid negative repercussions from existing conditions that happen while I had spot pet insurance. No idea I had to fight every single claim or I would have definitely gone with a different company...do yourself a favor, save your time & money & g with ANY other pet insurance company #stayAwayFromSpotPetIns

UPDATE - after giving Fetch bad reviews, their CS team called again to tell us its denied again. The reason for the denial...? Gingivitis. We go in for a yearly cleaning and we are getting denied on the cleaning because of gingivitis that can occur after 24 hrs. Your company is a bunch of crooks taking our monthly premium and denying claims due to frivolous reasons. Would not sign up ever. Below is our review of this company. We have a Maltese and do his yearly cleanings. We went from having healthy paws pet insurance since he was born and then switched to Fetch due to this being available through our work. Biggest mistake ever. We take our dog to get his yearly cleaning EVERY year. Our prior pet insurance never had issues but when we first did a claim for his cleaning and extractions through Fetch, they denied it based off pre-existing conditions (Gingivitis)!!!! Gingivitis can develop within 24 hours and they are denying the claim based off that!! We will be cancelling our membership and want you to know the disgust we have with Fetch.

Been paying for this insurance for over two years and have yet to actually put it to use. The cost per year would have been enough to cover the annual expenses for all the standard shots, dewormers, and tick / flea preventatives which by the way are not covered here. Attempted submitting a claim for this stuff. It only lists options for new injuries, new illnesses, or micro-chipping. Even if I could submit one, it wouldn't kick in until I have paid twice what I am already paying this company in a years time ($500). And to add to it all, despite never having to use insurance fortunately, the monthly premium went up another ten dollars in 2025. "Gotta pump up those numbers, rookie!" The greed is obvious and I am sick of it... To any animal owner reading this, I would suggest shopping around. Find out what is the best value and what will cover your pets needs. Not that you don't already do this, but more importantly - Love your animals, give them some freedom, keep your pets healthy and active, as well as a variety of food options throughout life if possible. Take care.

Terrible when you need them. I was with them for 7 years, and they can cancel you without giving options, leaving you stranded when you need them most. They will say whatever you want to hear to sign you up—don't fall for it. Poor customer service; they don't care. You've been warned.

Claims are processed very slow and the monthly charge is way too much

Our Labradoodle is 7 and we have had Embrace insurance for 5+ consecutive years. During the 2nd half of 2024 Embrace raised our premium from $123.81 to $173.19 (40%). Our coverage is annual benefits of $10,000, a $500 deductible and 80% reimbursement rate. Were we enroll our dog today with Embrace, our premium for the same coverage would be $119.98. The way companies such as Embrace keep you hooked/locked in is through a pre-existing conditions clause......since we filed claims during the past 5+ years for giardia and anaplasmosis, these are considered pre-existing conditions should we choose to get coverage elsewhere.....so we remain captives of Embrace. Even so, a 40% rate increase is excessive in my book, especially when there is no apparent attempt by Embrace to justify it. Certainly our per's claim experience doesn't.

Stay Away!! I had pets best when my prior dog had cancer this way 1.5 years ago they were great. I adopted another dog who was found to have a heart murmur which just developed. I had tests etc... performed that cost close to 2k as under this garbage policy I got zero back. I called PB as the operator indicated she wanted to help, the help was getting this policy cancelled! Thankfully as my next premium was due in two days. They are quick to take your money and deny you on claims......I am going elsewhere. For those of you who are going to proceed with them be extremely cautious!!!!!!!

Everything with Trupanion becomes a pre-existing condition. A scratch my cat had from playing with other cats became a pre-existing condition and they won't pay anything skin/fur based. It sounds like good insurance but when everything becomes a pre-existing condition for the life of your pet, then it's really not insurance at all. I have a 2 year old cat who is perfectly healthy but they managed to find 4 pre-existing conditions covering 4 entire body systems and organs. Even my vet doesn't understand how they managed that.