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Positive review after visit to a new Animal ER
Our vet of many years was too busy to see our sick dog. We were advised to take him to the ER. I knew since I had dog insurance I would be able to afford to take him in. The reception staff mistakenly entered the Trupanion claim using the reason we brought our sick dog into to the ER. Trupanion paid as it was designed to within minutes! I persuaded the receptionist to put the diagnosis the vet gave as to what was wrong with our dog. She spoke to Trupanion and the claim sent to appeals. I paid for the portion of the bill so we could go home. By the next morning I had received a rext message to indicate we had been reimbursed our money. If only human health care worked this way!
Insurer: Trupanion
By: Susiemae Andresen
This pet insurance is a huge saver when…
This pet insurance is a huge saver when taking my pet to the vet. It provides services that my dog needs.
Insurer: Spot
By: Mary Garrett
Hate to have to give this rating but...
Hate to have to give this rating but I have to. I have been with embrace for about 4 years. I received the quote for next year and my jaw dropped. I understand as a pet ages the cost for renewal goes up. It works the same way with humans. Every year it would go up around $100-200 but not this time. I paid about $700ish for all of 2025 and next year is about $1300ish. Almost double, this is insane. It was this year that I discovered he has Cushing's Disease and gallbladder sludge, what a coincidence. I believe this is deceptive practice because in "pet insurance" world, if your pet has a pre-existing condition, you can't just up and leave to another insurance. I feel this is how they trap you because they know that you do not have the freedom to just up and leave. Now you just have to settle on the exorbitant price increases. They will hit you with this copy/paste message " Embrace evaluates our premium increases annually based on our entire book of business focusing on several factors, including the age of the insured pet(s), the tenure of the policy and also factoring in veterinary inflation. This includes not only rising veterinary costs but also the recent advances we are seeing in veterinary care. We strive to find a balance in maintaining quality coverage for the pets that we insure, while also factoring in changes in the marketplace." This is just an excuse to lighten the blow to you. I reiterate, the reality is if your pet develops a condition under their policy, they see it as free reign to double, triple, quadruple your renewal because no other insurance will take you now. Be careful. I will be challenging this.
Insurer: Embrace
By: ItsSimplyBelle
Very prompt response and worked quickly…
Very prompt response and worked quickly with vet hospital for my claim
Insurer: Trupanion
By: Denise
I like this company but I do not…
I like this company but I do not appreciate the amount there premiums increase
Insurer: Trupanion
By: Mary ellen
Turnaround/payment made timely
Turnaround/payment made timely
Insurer: Fetch
By: Karen
I've been a Trupanion Customer for a…
I've been a Trupanion Customer for a Very Long Time! I was shocked and angered by what I had to go through in October this year. My chi had bronchopneumonia and was hospitalized on emergency as he needed O2 desperately on October 28, 2025. He got ill very rapidly and could not breathe. Coverage was initially denied at the emergency hospital at intake on October 28th, and again on the 29th, with no real explanation. I had to call, was put on hold for at least a half-hour while I was at the vet hospital and when she finally returned from this perpetual hold, your rep tried to tell me it was b/c my chi was not vaccinated in this year for Bordetella, which, incidentally, is not a required vaccine in NJ. I told your rep that my vet told me (at the time the vaccine was due, and I did vaccinate Bordetella the year prior) that he would not vaccinate this year, as my chi was having major digestive issues and my other chi had just passed from something similar, so we were going to be cautious until we figured out what was happening. More important, though, as I also informed your rep, there is no relationship b/t Bronchopneumo and Bordetella. I told your rep that saying that is like saying S.Aureus and Pseudomonas are in the same family (they are not). Then your rep tried to say it was because he had mycoplasma, again because he wasn't vaccinated for Bordetella. Again, wrong argument and I explained that one again, to which they would not listen. I followed vet recommendations, I treated my chi appropriately for myco; he was okay for 5 days, then he became ill with broncopneumo. I was told to appeal if I felt so strongly, and you bet I did! To get coverage to which I was entitled, I had to make an appt, go to my vet's office, call the appeals department (which I was also initially told I could not contact by your Trupanion rep who answered the phone, and I said I was told to call (which I was by Trupanion, get your story straight, don't waste my time), and they did ultimately connect us, but seriously?)) and did the appeal with my vet by phone, who told the claims rep the very same thing I did; that there is no relationship between Bordetella and bronchopneumo or Bordetella and myco!! Doesn't matter if he had Myco first. Only then did the claims rep listen. But, I was still forced to wait another 3 days for a verdict. It should have been immediate coverage at that point, with payment made immediately to the emergency hospital. I had to pay another $6800 toward my bill in the interim while waiting for the payment from Trupanion at the emergency hospital to take my chi home, because of your unnecessary delays. (Yes, they gave it back to me, but I really couldn't afford the expense and had to borrow money to cover my check because I could no longer count on Trupanion to do what was right and owed under the circumstances). Infuriating. I'm so angry. I'm keeping my insurance but it is clear you just don't want to cover legitimate claims. Then to add insult to injury, you paid an additional $2700 above the $17000 his hospitalization cost (less deductible and 10% which I was fine with) because you duplicated the first day's expenses and it took me another 5 days to get you to review and agree it was a duplicate expense and I didn't want the money; you finally told me to void the check when it arrived, which I did. You were NEVER like this in the past (Dec 2023 was my last claim for another dog and it was immediate that you covered it when I was at the emergency hospital). What happened to Trupanion? I don't even put in all my claims; there are so many I still have to file with you. I cannot wait to see how many more fights I'm going to have with you and btw, I don't back down, which is what I think you want us to do now. Your reps are clearly poorly trained and incompetent. Who puts Bordetella and Myco or Bordetella and bronchopneumo in the same class? Stupid. Clearly, it's just an obvious attempt on your part to avoid paying a legitimate claim, and you have trained your reps to deny first. Trupanion has become a really questionable company, putting their own profit ahead of legitimate claims for their insured clients. It's disgusting. I believe I am owed an incentive from Trupanion for this incompetence and debacle that this cost me in time and effort. I really want to know what happened to this company. It was NEVER like this. I'm just so angry. What do I pay all this money for (and I have 3 insured dogs currently with a 4th coming; all with every rider possible, never miss a payment, have insured at least 7 or 8 to date). I really want to know what has happened to you, why your claims personnel are so poorly trained, and why we are treated so poorly. Deny first is not a policy to be proud of; pushing people to have to fight to get what they are owed is unconscionable.
Insurer: Trupanion
By: DebD
They take care of the claim right away
They take care of the claim right away and reimbursement is within a short time .
Insurer: MetLife
By: Edwina J
Stands out among others...
Detailed information and the comparison chart made finding the right company easier. Receiving the follow-up email after receiving my quote was nice, because I could refer back to my quote easily without having to re-enter all of the information. I didn't feel harassed by a salesperson at any point. Prudent offers decent reimbursements and provides many options to customize your policy to meet your pet's needs. I'm impressed!
Insurer: Prudent Pet
By: donna, lexington, SC