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Not worth it
I was with Trupanion for almost three years and the price isn't worth it at all. My monthly bill continues to increase without explanation. I've tried sending several claims in to cover some of the emerg visits I had with my dog and they keep finding reasons to either not pay or send barely anything back. It's not worth the cost. You're better off putting aside money than burning it with this company. On top of it all, you can only cancel your membership by calling in, and they left me on hold for over an hour. Save your money/time and go somewhere else
Insurer: Trupanion Canada
By: Jane
We love Spot Pet Insurance
We love Spot Pet Insurance. Great service and coverages. You can pick what price point/coverage works best for you and your family. Fast on processing claims. Great communication Easy to set up Easy steps to process your claims and if you need help, give them a call, someone is there to help you or answer your questions. We got coverage for both of our Cavalier King Charles Spaniels and so glad we have them covered.
Insurer: Spot
By: Jeanette Garcia-Garza
Conditions are confusing - think twice about deductible process
The customer service person I spoke with was great and I give her a 10. But Trupanion as a company - I'm not sure how likely I would recommend. Coverage for congenital defects is not clear and the claims are often not processed correctly. I'm having to do a lot of work to try to get things right. The deductible "per condition" initially I thought was a good idea but I'm questioning that now. There are so many conditions that I think I would prefer a yearly deductible like the other insurance companies do. Right now, I'm not a fan of Trupanion at all. Plus when I send emails they take forever to respond - sometimes I can't make the time to get on the phone and an email response would suffice. And they don't allow 2 email addresses and that causes me problems due to IT constraints for how my emails are setup. Edited 3-11-24 (from 3 to 1 star) after my vet manager spent time today talking with a claims specialist. The difference between "congenital/hereditary" and "pre-existing" is ambiguous, confusing, and overall conflicting. Our dog was diagnosed with a congenital condition at the age of 8 years old after 4 years of neurological activity that wasn't properly diagnosed. We spend a huge amount of time & money trying to diagnose the cause of the neuro activity and had reasonable differentials that we pursued fully. However the treatments were not working and she was still having neuro episodes. After seeing specialists (some a 4 hour drive away) multiple times + local specialists it wasn't until a recent specialist visit that we finally got a true diagnosis and the new treatment plan, thank goodness, is working. Trupanion now tells me that her treatments won't be covered because this is "pre-existing". But this is truly congenital/hereditary and we had been unable (after 4 years and a huge investment, pre-insurance) to diagnose this until recently and after I started on a Trupanion plan. This is just one example of the ambiguity in their plans.
Insurer: Trupanion
By: Sharon
This company is freaking awesome
This company is freaking awesome. They literally take care of everything.
Insurer: Spot
By: Angela Warren
Claims paid!
The only pet insurance company that ever paid claims. Claim process on their website is super simple.
Insurer: Spot
By: Barbara Wilson
Great service!
Great customer service and easy claims!
Insurer: Spot
By: customer
Easy to file claim
Easy to file claim. Website easy to navigate. Lots of important information.
Insurer: Spot
By: Cheryl Brunkhorst
OUTSTANDING Pet Insurance and Super Easy Claims Process
Reasonable pet wellness and insurance rates. Submitted our most recent claim for reimbursement for both our dogs annual wellness visits...filed claim on super easy website, Embrace reimbursed on the same day direct deposit, simply amazing!!! I would highly recommend for both wellness and insurance on your dog.
Insurer: Embrace
By: R Devine
Josh was fantastic!
Josh was fantastic helping us get pet insurance for our first puppy. We weren't sure what options were right for us, but Josh was fantastic in explaining and recommending the perfect plan for us. He made us feel confident in our choice and provided us with the peace of mind that we made the right decision.
Insurer: Fetch Canada
By: Braden
Very happy with Spot pet insurance!
This is the first time I’ve covered my pet with health insurance. I’m so glad I did. She needed knee surgery and the whole claim process was so easy. It was processed and I had my direct deposit within 5 days. The follow up claims were completed in even less time. If you’re considering health coverage for your fur baby, I highly recommend Spot! Ok
Insurer: Spot
By: Bette Brown