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Very expensive, constantly bungled claims
We have had trupanion since picking up our purebred english bulldog 4 years ago. Premiums are pretty high, we increased our deductible to try and make it more affordable, but it's still quite pricey. Unfortunately our dog has had typical bulldog eye issues including distichiasis end entropion requiring several surgeries over the years with an eye specialist. Every single time a claim is submitted there is a problem with it which means a call to whoever happens to be answering the phone at the time. You will never speak to the same person twice, you'll repeat your information over, and over- always a promise to get things straightened out, only to end up at square one again the next time. The claims are constantly being reviewed by different people resulting in errors and changes every single time. You will need to be prepared to keep a close eye on all submissions and for follow-ups which means time to do that if you choose this company, and know the claims of "we pay 90%" is after your co-pay, and vet exams (I'm not sure how they expect a specialist to make a treatment plan with no exam, but they won't pay for that) and all taxes (that's fine) and we don't cover this and we don't cover that etc. so you may get 40-50% which I guess is better than nothing. Just be aware that it's like typical insurance, rates continue to go up, service is mediocre at best and if you need to make a claim it may or may not result in you receiving financial support.
Insurer: Trupanion Canada
By: Jacky
Quick turn around
I thought processing my claim would take much longer than it did. My reimbursement and a detailed list of expenses covered showed up very, very quickly. Good job, Spot!
Insurer: Spot
By: Elisa Eastwood Pulido
As always the submission process was…
As always the submission process was simple and the response time was incredible!
Insurer: Pumpkin
By: Michael Usenia
Great and Easy. No headache
Seamless, smooth and no nonsense insurance. Very easy-to-use.
Insurer: MetLife
By: customer
Beware - Read the fine print
Good pet insurance for emergencies but they do not cover a wide array of conditions which makes it quite useless if something happens that isn't covered by the fine print. Also the conditions reset every year so if your pet is diagnosed with a chronic condition it wont be covered. Would not recommend.
Insurer: PHI Direct
By: Jessica
Very easy to submit claims and…
Very easy to submit claims and transparent processing.
Insurer: MetLife
By: customer
Positive experience for over a year…
Positive experience for over a year with good customer service, easy to navigate portal and decent reimbursement turnaround timing.
Insurer: MetLife
By: Kay
Spoke with Carla Stevens
Spoke with Carla Stevens, and she extremely helpful and very personable. She answered all of my questions and concerns in full detail to make it very easy to understand and made the process of getting pet insurance that much easier. If I ever know of anyone in need of pet insurance I’m referring them to Carla.
Insurer: Fetch
By: Gabe
I have used Embrace for a few years…
I have used Embrace for a few years now. They are reliable and have been true to the contract agreement. I am satisfied and will remain a customer for the foreseeable future.
Insurer: Embrace
By: Ambrose Contreras
So easy to submit claims
So easy to submit claims! And even easier to get paid
Insurer: MetLife
By: customer