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23,240 Payment Experience 104,197 Claim Coverage 122,532 Customer Service 37,717 Price Satisfaction 14,626 Other

Verified September 13, 2021

Because I did not take out the Insurance.

Because I did not take out the Insurance. When I called, the person who answered the phone was very pleasant.

Insurer: Trupanion

By:

Useful

September 12, 2021

They manufactured a new pre-existing condition after covering my pets for years

After five years, Trupanion decided to change their mind and classified a new condition that arose on their policy as being “pre-existing.” I've been a Trupanion customer for about five years. During this time, my two cats both developed new issues that Trupanion was happy to cover, and this was after they did a full comprehensive medical review on both the animals. This past month Trupanion made rule changes to their policy that now states they are reclassifying this condition as a pre-existing condition for these cats. Not because they discovered new information about my cats, and not because of any error of my own. Basically they were saying that if I tried to get insurance for the cats in 2016 again, their new policy would have identified them as having a pre-existing condition. But it's not 2016, it is 2021. Now that we are several years into the agreement, they are saying the new condition that appeared during these years is actually a pre-existing condition now, and now they won't cover it going forward. To be absolutely clear, my vet says that the condition they have was not pre-existing and their is zero basis for their determination other than them not wanting to hold up their end of the bargain. Look forward to Trupanion not listening to the doctor who actually works with your pet. And if they do this once, what's to say they won't do it again? I understand they may want to change their terms, but my pets should have been grandfathered in. And I've spoken with their customer rep and they agreed it was basically, yeah, kind of a crappy thing they did, but oh well, please continue to pay us money and please trust us, it won't happen again! (Yeah, right). Their rates are already too high for what they cover (you can get the same stuff for cheaper from Pets Best + extra options). Or Healthy Paws. Or anything else really. Dump whatever you'd pay Trupanion into a savings account and you'd probably break even if you start early enough. Obviously any new insurance I get will classify my cats condition as pre-existing now, which means the mistake of having gone with Trupanion will haunt my bank account, but if they're not going to pay out on this issue anyways, I might as well give my money to a more honest company and not one that is going to stab me in the back. Their competitors also offer routine wellness packages and altogether ends up cheaper.

Insurer: Trupanion

By: Tom Bergman

Scam artists

I have had three dogs insured by embrace for several years. Their claims process was fairly simple, deductible options were fair, payouts of course are never 100% but options were clear. Luckily I have not had to submit very many claims on any of my three dogs for the entirety of the policy and my yearly payment jumped up almost $600 in 2020 and Another $600 for this year. Their suggestion was to increase my deductible and decrease the maximum amount payout and decrease the percentage of pay out I get. Making one slight adjustment to raising my deductible up a level, decreasing their level of responsibility down $2000 and decreasing the percentage they cover, dropped it only $15 on one dog. That’s it. So their explanation was due to my pets age and location I live they have to raise the premiums on that scale. In other words we will take your money for years on end while you file no claims because they are young, then, we will raise your premiums to the point you can’t pay them any longer when they are older and the chances of us needing to pay YOU out, get higher, so we will raise it so much that we would rather you cancel the policy and you just put your dog down and we keep all your money that you paid for years having a false sense of security and ensuring your dogs health needs are met and covered. I guess it’s my fault for not reading some fine print somewhere that said we can hike up your rates endlessly because we are getting worried your dog is getting old and we might need to pay you some money back. I will be looking elsewhere for a new policy that will no doubt gouge my eyeballs out as well but at least I will go into it knowing that upfront. Also if you ever need to get customer service to respond to you, they don’t.

Insurer: Embrace

By: Jennifer

Useful