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Find new ways to reject claims
Trupanion rejects almost every claim. Last rejection was because did not have recommended treatment within 3 months. Read the fine print before signing up with Trupanion. I would not sign up for Trupanion with new pets.
Insurer: Trupanion
By: John Gellert
Terrible. Like every insurance company
This company is just like every other insurance. They will use every excuse they can find to NOT cover a condition. If they worked as hard to help pets be healthy as they did to get out of paying a claim, their patients would be a lot healthier. But instead, they define all pre-existing conditions in the broadest possible terms they can legally get away with. I have far too many examples of this to fit in a review, but I'll give one: They tried to exclude all skin conditions on a 6 month old puppy b/c she first came home to us with fleas and had a few visible bites. If you think that's reasonable, roll the dice on them. Personally, my most recent experience with Embrace was the straw that broke the camel's back to convince me to find a different pet insurance. -------------------------------------- Edit on 3/9/26 to respond to Embrace's total pandering reply: Being unable to cover pre-existing conditions is not what you do. What YOU do is take any mention of any type of symptom and broadex the interpretation to include as much coverage as you possibly can. I have SO MANY examples of this: 1. my dog threw up one time 4 years ago, you let me pay for coverage for a year and THEN tell me you won't cover any GI issues. That's neither reasonable nor accurate. 2. my vet notices that my dog has papules on her skin in her first ever puppy exam -- these were flea bites b/c the place we adopted her from didn't give her the right dosage flea and tick medication. Our vet gave her the right flea and tick dosage and it was gone. But you excluded ALL DERMATOLOGICAL conditions. Go to hell.
Insurer: Embrace
By: Jody Moscaritolo
Great experience
Great experience. Easy using app to file clam and submit documents. I would recommend MetLife Pet Insurance to everyone who has a pet.
Insurer: MetLife
By: A. Murphy
The Absolute Best
Where to start? I don’t know what I would do without Healthy Paws! Time and time again, they’ve literally saved my animals lives. From my dog Milo’s emergency foreign body surgery and corrective elbow surgery to my little cat Lucy’s Chronic Kidney Disease treatment, I know for a fact they wouldn’t be here today without you. And that’s just the tip of the iceberg. Thank you for giving me more precious moments with my babies, and supporting pet parents like me.
Insurer: Healthy Paws
By: Courtney Card
I am impressed with quick I am payed…
I am impressed with how quickly I am payed after submitting my claim. I am very satisfied with Pumpkin Pet Insurance.
Insurer: Pumpkin
By: Gisela
Thank you for covering my dog Akeeda
Thank you for covering my dog Akeeda. The setup was easy and fast thanks again.
Insurer: MetLife
By: STEVEN HENDERSON
First time buyer
I never bought pet insurance before so they made it very easy by providing several options to choose from and with the ability to change options, I was able to compare price differences with the quotes they provided. I also called the support line and was able to ask questions as well. They answered the phone quickly, answered my questions, and I was actually able to understand the rep. You speak to a live person which is a plus. Lastly you can always change your policy as well. I feel better knowing I have this in case something happens to my dog, Levi.
Insurer: Prudent Pet
By: melveragmail.com
Extremely pleased.
My claim was processed, reimbursement received promptly, and as per policy. There were no surprises other than how quickly this was completed. Also, the representative who assisted me was professional, knowledgeable, pleasant, caring, and very helpful.
Insurer: Spot
By: Lori de los Santos
Our experience was not positive
Our experience was not positive. The place we got our puppy from pushed this insurance. The gimmick is free for 30 days but they literally deny everything and had a huge deductible. Our puppy had kennel cough, a drug resistant version of hook worms thay too many repeat visits and medicine. Not covered or the little they said they would cover fell far below $500 deductible. I knew there would be a catch so I wasn't surprised and had a hunch. I am better off saving my $110 or more a month in a savings account and it in the event of an emergency for my now healthy puppy. So yeah we didn't renew to just find out there is another gimmick.
Insurer: Trupanion
By: MIchael Indelicato
I have been going through a lot with my…
I have been going through a lot with my dog and I am so glad I chose Spot insurance as my coverage. You guys are quick & fare when filling claims & getting reimbursed in certain situations. Wish I would of gotten coverage in the past on my other dogs. You guys are also decently priced to where it is affordable if you pick & choose what you really need to be covered.
Insurer: Spot
By: Curtrina Burnett