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Trupanion is simply the best
The pet insurance market is difficult to navigate - it is confusing in terms of what you are actually buying. I have been involved with Trupanion for over 20 years, first as a veterinary clinic owner then as a dog owner. I can say with conviction that Trupanion offers the best coverage: the lack of a lifetime maximum as well as transparent claims processing is stellar. Don’t fall for cheap premiums - you truly get what you pay for.
Insurer: Trupanion
By: Elneda
Appreciated the quick replies and…
Appreciated the quick replies and actions taken, app is easy to use.
Insurer: Fetch
By: Ryan
Responsive customer service, lousy rates & deductibles
Customer service was very friendly and responsive. I signed up for a policy for my dog, but ended up canceling it in the 30-day guarantee window. I decided that the starting premiums were far too high, considering I know they will be going up over her life. In a couple years, I would not be able to keep her on the policy after some increases in premiums... and by then, my girl will likely have pre-existing conditions so switching to any other company would be useless. Also, I had to choose a $1k deductible just to afford it, and I felt like the policy would never be helpful, unless my girl ends up with a condition for the rest of her life. But if she has multiple accidents or illnesses from which she recovers, I will have lots of deductibles I have to meet at $1,000 each. The per accident/per condition deductible felt like it would end up costing me far more than a policy that has an annual deductible, and a deductible that is much lower, since the rates are ones I will be able to afford. So I chose a different company. My premiums are almost half of Trupanions and my deductible is $250 per year for an unlimited payout at 90% after I meet the deductible each year. Oh, and the one I switched to covers exam fees. If you have to go to an emergency room, that can be anywhere from $125 to $250 just for the examination fee. I appreciate Trupanion's 24/7 customer service. Unfortunately the bottom line is I can barely afford their starting premiums, I flat out cannot afford the premiums with the deductibles I really need, and in a few years when my girl really needs insurance, I fear their rates would be one where I would be forced to drop her insurance. They stress repeatedly that they are the only company where rates are not increased because of your pet's age. Beware: this does not mean their rates do not increase. I have seen review after review of exorbitant increases in rates. Also note that, while they boasted of being the only company that uses direct pay (not actually true, btw... the company I chose has a similar process where I don't have to pay up front if my vet hospital is willing to submit the paperwork and wait for payment), if your vet does not participate in direct pay, you still have to pay up front. My vet does not participate in Trupanion's direct pay system... nor do most vet offices that I spoke to in my area. I found one ER that does, otherwise I found none.
Insurer: Trupanion
By: XME
Wonderful service
Wonderful service. Gives me peace of mind so that I don’t hesitate to keep my fur baby healthy.
Insurer: ManyPets
By: Valerie Jacoby
My representative was very detailed in…
My representative was very detailed in his description of the available coverages. He was very patient and professional with me.
Insurer: Nationwide
By: Osatohanmwen Uwagbai
knee surgery
Our dog had to get knee surgery. We provided Pet's Best with the detailed bill for the surgery and drugs and we were reimbursed in less than a week
Insurer: Pets Best
By: Kim
No Hassle
Filing a claim was extremely easy and the process was very fast. No hassle, processed in one day.
Insurer: Pumpkin
By: D. Brown
Its been Good
Clain Process is pretty simple, send in the required documents, and wait for the reimbursement to post in my account. Processing is a little slow, shows 5-10 days, has taken a little longer than that, maybe 15 days +/-. questions answered. I haven't used the online vet, our vet is 24-hour animal hospital. has some good articles and good notifications. Metlife has been a good experience so far.
Easy Claim Process
It was very easy to submit the claim by taking pictures of the paperwork with my phone and sending them through the app. It did take a while to get a response but it may have been due to getting paperwork from the vet. Overall I am happy with the process