Bait and switch, I’ve been with Trupanion for about 3 years, had 1 claim that they didn’t cover. This year they are trying to increase my premium by 35% and when I wanted to make a change they didn’t make it and charged me when I called to get this addressed they said they called me and couldn’t do anything. Definitely shopping their competitors and dropping this horrible company!

I spent $700 on my dogs emergency on 3 visits and was only able to get $197 from you. Plus it cost me over $200 a month to you guys.

They will put your claim on hold forever! They said that they tried contacting your vet clinic for additional documents but I don’t think they did! They want you to do it yourself as if you have all the time in the world to do that! Very inconvenient! Not helpful! Your company sucks!

Honestly have had issue after issue with you guys. And during all the appeal process I was unable to claim the most expensive surgery required. So very unhappy

I have been waiting for 4 weeks my reimbursement! This place is horrible!

**Update** while they did reach out and correct the issue for the wellness claim. They opened a second claim, which they explained to me that they had to do it this way. However, they opened the second claim and put it was for wellness AND that my cat was hit by a car, which isn't correct. He was not hit by a car. It was a simple wellness claim for a neuter procedure. Embrace is quick to reimburse you for covered claims. I was very pleased at first but my one wellness claim from November is the reason I only gave 3 stars. The adjuster on that claim is non responsive. All info was provided and still no response from her. All other claims have been great.

My dog had. Diarrhea when I first got him because I was changing his food and they now called the chronic so anytime he has diarrhea. They have a get out of jail card for free and don’t have to pay the claim They’re calling a pre-existing. Really? You submit a claim now they want soap notes. I have had Pet insurance with everyone of my pets for the past 20 years I have never had to go hunting for notes from the vet. They say they’re going to pay within five or 10 business days but it’s more like two or three months if they pay you. They want to try anything they can not to pay claim even though it’s clearly noted that the claimant should be paid. It’s something that’s covered.

Policies are very tight, difficult to get positive outcomes from claim submission

While the Customer Service Rep. are Very helpful, it takes for ever for Pumpkins to review invoices and Received payments. You have several invoices that need processing. We are still waiting. However, the invoice Where you discounted the defuctable For 2024, was processed fast, BUT WE STILL WAITING FOR WHATEVER PAYMENT IS LEFT. No a good Situation.

Very slow speed in processing claims All of my claims takes almost 2 months to process. Their team will always tell me that they are working on my claim, but I keep waiting. Also, they keep asking for the same document, and I submit them multiple times, and they still claim it's missing. It's very frustrating and very slow. After my kittens are older, I will really want to switch to a different insurance provider.