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Brutal bad
Brutal bad. Pretty much what you are reading reviews to try to avoid. Delays, denials, dumb answers...
Insurer: Embrace
By: Nicholas McGraw
Customer Service
Response time is great! Reimbursement time is also fast.
Insurer: Pets Best
By: Bob Winter
Would not recommend
Had a very difficult time getting my claims processed and paid. My vet sent them records - they say they did not get them - Had vet send them again - they confirm they got them - then a week later when I call back again they tell me they still need more records. They never told me any of this. Would not recommend. Also was not aware that they have co-pays or co-insurance which they charge you for on every line item of your vet bill.
Insurer: Pets Best
By: M bray
Very responsive!
I have been dealing with Pumpkin for 2 years now. Really great customer service.
Insurer: Pumpkin
By: Laura
You only pay the noncovered items
The best part is my Vet ad the 24-hour vet are on the Trupanion. This means you don't have to pay the total bill up front and wait to get your funds back.
Insurer: Trupanion
By: David
Fast and easy process
"It was my dogs annual wellness exam, vaccinations, and flea/tick refill. Post appointment, I went to the app, answered a few questions, took/uploaded a picture of the bill/receipt and hit submit. It's such an easy process! And within 1 week, my money was deposited into my bank account"
Easy submission process for claims
Easy submission process for claims. Excellent communication. Process claims in an expedient manner. Online app is helpful.
Insurer: Healthy Paws
By: Chris Godbout
Great customer service!! Thank you, Amanda!
Amanda went above and beyond helping me get our pets insured at a great rate! Very happy with the way she helped shop policies and give me options and time to get my husband involved in the decision. I would highly recommend Amanda and Fetch insurance for your beloved fur babies insurance needs!
Insurer: Fetch
By: Amy C
Trupanion: Legalized Theft Disguised as Pet Insurance
Trupanion: The Most Dishonest Pet Insurance Company You Could Ever Choose Trupanion is an absolute nightmare of a company — a textbook example of how to exploit loyal, trusting customers under the guise of compassion. For years, I paid my premiums faithfully — through every increase, every renewal, every promise that I was “doing the right thing” for my pet. I believed their slick marketing about being transparent, fair, and different from other insurers. But when it came time to actually file a claim, Trupanion showed their true colors: greedy, deceptive, and completely unethical. They cherry-picked one misleading sentence from a single vet’s note, ignored the rest of the medical record, ignored every other professional opinion, and then denied my claim outright. No call for clarification. No effort to verify facts. No compassion. Just cold corporate indifference. Then they pulled their favorite trick — labeling it as a “pre-existing condition.” Here’s the problem: my pet met none of the requirements for that label under Trupanion’s own policy definitions. They simply used it as a catch-all excuse to deny payment, because it’s cheaper to accuse you of violating a term than to actually pay what they owe. Trupanion’s entire model is built on profiting from loyalty and ignorance. They’ll happily take your money for years, but the moment you file a claim, they’ll weaponize fine print and distort your pet’s medical history to justify a denial. To anyone considering Trupanion: don’t just take my word for it — go read their Better Business Bureau (BBB) complaints. You’ll see page after page of customers describing the exact same nightmare: years of premiums paid, legitimate claims denied, and “pre-existing condition” excuses that don’t match their own policies. It’s not just me — it’s a pattern. Trupanion isn’t “coverage.” It’s a corporate con disguised as pet insurance. They don’t protect pets — they protect profits. If you care about your animal and your sanity, run — don’t walk — away from Trupanion. Their coverage isn’t worth the paper it’s printed on, and their compassion ends the moment your pet needs them most.
Insurer: Trupanion Canada
By: Kimberley Lynch
Very fast claim processing
I have had Pets Best for my last several dogs with varying levels of coverage. My current pet has mild IBD that is managed by frequent feedings and a very small dose of anti-nausea medication at night (so we can sleep through the night). The company that auto-ships the medication does not send invoices, but packing slips. So, to file a claim, I must first contact them to get invoices for every shipment. As a result, I procrastinate until the last minute. My most recent clam was filed just before my policy was to renew, so I was scrambling, and submitted the entire year at one time. I expected to get some push back, but was pleasantly surprised to find the claim processed and the payment in my account within 2 days.