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Our beautiful Chamois left us on April…
Our beautiful Chamois left us on April 18th. It was very sudden. Within hours of her passing, Trupanion had takes all the necessary steps to cancel her insurance and THEN wrote a beautiful letter to us. This was our 4th experience with dealing with this kind of a situation. We have had many claims over the years. Trupanion has consistently helped us with the necessary information concerning our fur babies. I have spoken to pet lovers many times and they reassured me my questions were not "silly". Always kind and understanding. I still have my Beau and when I add another fur baby, I will sign it up immediately. Thank you for being there during our difficult times. This might not be the correct guidelines, but it is my honest thoughts. Donna
Insurer: Trupanion
By: Watkins Donna
Embrace Pet Insurance is the BEST!
I am extremely happy with Embrace. They are so supportive and have created the easiest website to use to upload claims. They review and pay a claim so quickly that I am always shocked that an insurance company runs so well. I really appreciate the whole team at Embrace Pet insurance. Thank you and you make a difference in helping and loving our pets!!
Insurer: Embrace
By: SIMON/DEBBEE LORRAINE
I'm writing this review to share my…
I'm writing this review to share my disappointing experience with Healthy Paws Pet Insurance, which ultimately led me to cancel my policy. When my dog developed otitis externa (ear infection), I submitted claims for his treatment, expecting coverage as a loyal policyholder. Instead, Healthy Paws denied the claims, citing "pre-existing conditions" based on a swimming incident that occurred approximately seven years ago. What made this denial particularly frustrating was that I obtained a detailed letter from our vet. He clearly stated his professional medical opinion that the current ear infection was "a new, unrelated medical issue, and not a recurrence or continuation of any problem stemming from years prior." Despite having a licensed veterinarian's expert assessment contradicting their denial, Healthy Paws refused to reconsider the claim. While I understand that insurance companies need to protect against fraudulent claims, completely disregarding a veterinarian's professional medical opinion feels unreasonable. The company seemed more focused on finding reasons to deny coverage than on working with medical professionals to understand the actual medical facts. The appeals process felt dismissive. Even when presented with clear medical evidence from a qualified professional, they simply restated their policy terms rather than engaging with the medical evidence provided. After this experience, I lost confidence in Healthy Paws' willingness to provide coverage when actually needed. I cancelled my policy and switched to a different provider that I hope will be more reasonable when evaluating legitimate claims. Pet insurance should provide peace of mind, but my experience with Healthy Paws created additional stress during an already difficult time when my pet was unwell. When a veterinarian provides a clear medical opinion that contradicts an insurance denial, the company should give that professional assessment serious consideration rather than automatically defaulting to denial. I cannot recommend Healthy Paws based on this experience. There are other pet insurance companies that may be more willing to work with customers and respect veterinary expertise when evaluating claims. EDIT: I got off the phone with a CLM one minute ago, today, 11JUN2025, and was told that they have no need for information from TrustPilot after I said I was on a trip and the link to respond via the "Find a reviewer" had expired. They looked up my name and matched it to the account, and he said there was nothing to do; so I left it at that. Like I said, these folks don't care.
Insurer: Healthy Paws
By: Alex
Process went smoothly
Process went smoothly. Reimbursement was processed in a timely manner
Insurer: Spot
By: Veronica Morgan
Great Experience
Actually, I am not new... lots of experience. It was the first time my vet used your portal directly. It was wonderful! Now I don't have to worry about filing claims and it can just work smoothly.
Insurer: Trupanion
By: Heather
Its been 7 months
Its been 7 months, and my claim still hasn't been paid.
Insurer: Embrace
By: Barbara Levin
Easy to Upload
The Fetch App is easy to use and upload your pet's (pets') history. I wish there was a way to build the history before filing a claim though. The first claim, especially if you have a healthy elderly pet can be a bit daunting. Luckily, the upload process went smoothly and the refund was issued exactly when the app said it would be.
Insurer: Fetch
By: Dawn
They process claims immediately!
They process claims immediately!
Insurer: Trupanion
By: Johanna
Ease of use
The ease of having my Vet file the claims for me. But I also have the ability to file claims myself if needed.
Insurer: Trupanion
By: Shanna
Chad was thorough and explained my…
Chad was thorough and explained my options and gave me the best plan
Insurer: Nationwide
By: Kerri