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They Don't Pay Claims
I completed all intake forms and thought most of my claims would be paid. I filed some claims through their portal after five months but then had to send duplicates of invoices for another month. Then they decided I must send them my dog's health history back to a full year before I applied for coverage. After another month, they decided my dog had pre-existing conditions, all minor, and denied all but one claim, and the cost of that one came out of my deductible. So, 7 months paying premiums at $48 a month, and I'm out $350 in premiums with no coverage. Also, their communication by email is very slow and a 30 min wait time by phone. Do not recommend.
Insurer: Embrace
By: Laura
Easy
Easy, user friendly, customer service on the phone, fabulous. Couldn’t be happier! Thank You Greg Partch
Insurer: Spot
By: Gregory Partch
Easy to file claim
Easy to file claim. Expedited claim exceptionally fast. Ease of direct deposit.
Insurer: Spot
By: Jacque Eyre
Submitting the claim was easy and great result!
Submitting the claim was easy and straightforward. Thes speed and fairness of coverage decision were excellent.
Insurer: Spot
By: Martin Wojtysiak
I sent my Dog's Vet Statement in and it…
I sent my Dog's Vet Statement in and it was reviewed and I was reimbursed promptly. No other requests for Vet notes or other documentation.
Insurer: Fetch
By: Harry
Claim denied for ridiculous administrative reason
My dog had to have a portion of her tail amputated. it took some time to get a proper diagnosis and for the tail to heal properly (as in months). The accident occurred two days before the policy renewal. I submitted a claim once the dog was deemed fit and healed and it was denied because it was not within the 60 day post renewal period, even though this was an ongoing and very traumatic injury -- think blood splattered all over the house.
Insurer: Embrace
By: Josie Ottman
Prompt response to claims, clear system
Prompt response to claims. Clear and straightforward system. Excellent!
Insurer: Spot
By: Paul Milewski
Same as all the others don't waste your money
My 1 year old dog has some genetic joint problems and my first claim is denied as pre existing. I will be dropping this coverage it's a total waste of money that I can be putting toward the vet bills his insurance rejects. Update - thanks for your reply ASPCA... wish I'd thought of that. Oh, I did. Twice. Coverage cancelled.
Insurer: ASPCA
By: Aimee
Trupanion Incredible for My Dog with Brain Tumor
In August 2021, our dog Willow was diagnosed with a likely meningiaoma in her brain stem. At that point, she received radiation and despite a pneumonia she caught during sedation, made a complete and amazing recovery. Trupanion reimbursed us in a timely way for her treatment and for the subsequent pneumonia. Despite her illness, they continued to cover her. This continued coverage was key, because in February 2023 the tumor returned and we began the process of treatment. This time around, the recovery and subsequent year was marred by periodic pneumonia secondary to the tumor. Again, Trupanion covered everything quickly and without question. Our dog Willow lived until June 2024, and during that time we received tens of thousands of dollars in coverage from Trupanion. Without them, I do not know what we would have done. Luckily, we didn't have to find out.
Insurer: Trupanion
By: Geoff Sanzenbacher