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Title: Trupanion Broke Their "Fixed Rate" Promise — Four Rate Hikes in Under 3 Years.
We signed up with Trupanion in December 2022 at $129 a month because they advertised fixed-rate protection. That was the deal and the reason I signed up and agreed to that high price for puppy insurance. Less than three years later, my premium has jumped to $257 a month after four rate increases. They can spin it however they want, but that's a 100 percent increase on what was supposed to be a fixed rate. Their explanations keep shifting, and their deductible-per-condition setup is another gotcha buried in fine print. I don't work with companies that say one thing and do another. I’ll be filing a formal complaint with my state insurance commission, then reporting to the Better Business Bureau. I’ll post updates here and across social media so others can see how Trupanion handles customers who were promised one thing and charged for another. They're not trustworthy. They're a gotcha company, and I don't have time for that nonsense.
Insurer: Trupanion
By: GabbyGirl
My concerns:
My concerns: —quite expensive —why is back history submitted every time I submit a new claim? Are past files not saved? Pros —turn around time for claims is great! —having the option to submit claim by email versus SPOT website is great!
Insurer: Spot
By: Deborah Hyatt
Service
Initially Metlife used to take a longer time to reimburse but have improved over the months that I have been dealing with Metlife.
Insurer: MetLife
By: Natasha
Best thing for your pet
The app works really well. I see the vet and pay them. I get both the invoice and SOAP notes emailed to me. I submit my claim and within a few days my reimbursement is in my account. Responsive by phone and quick turnaround of my claims.
Insurer: MetLife
By: P. L.
Claims took forever to resolve
Claims took forever to resolve. Their pre-existing conditions make insurance worthless. Will be canceling.
Insurer: Embrace
By: Paul
Happy with MetLife…
I’m so glad to have MetLife pet insurance. They cover 80% of all cost for my dogs.
Insurer: MetLife
By: La Monica
My experience with submitting my first…
My experience with submitting my first claim was the simplicity of the process and the immediate response!
Insurer: MetLife
By: Isabel Chateau
Great company!
Easy to submit a claim. Great coverage. Excellent communication. Fast response.
Insurer: MetLife
By: Diane
Keep getting the runaround
I have submitted my first claim and I’ve had nothing but problems. I keep getting messages that the medical records need submitted and after multiple submissions from both myself and my vets, in addition to multiple calls with no resolution, I feel I need to submit this review to warn others. The online portal is difficult to use once you’ve completed your initial information and although you can reach a person in Customer Service it’s always outsourced to another country with someone who’s hard to understand. If my issue is resolved I will come back and update a positive review but as of now, it is totally negative and I would not recommend this coverage.
Insurer: ASPCA
By: CS
My dog has had a very hard year but…
My dog has had a very hard year but through it all you have been great, claims have been paid timely and your customer service has been very compassionate.
Insurer: MetLife
By: Julie Persing