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I have been extremely grateful
I have been extremely grateful to have Trupanion for my 6 year old dog. He has allergy issues and having pet insurance is a must. I highly recommend this company. They are easy to submit a claim to and get paid.
Insurer: Trupanion
By: Eve Wood
Poor coverage/reimbursement
I have paid insurance continually upon getting my dog Lilly in October. She was healthy but underweight, a rescue. She had a well Dog exam. Then she got a neck injury. I am still dealing with this, she is on medication I pay for. I have only been paid 47.00 after my deductible. Then you said you wont cover her leg injury.
Insurer: Fetch
By: Carla Anderson
Critical Illness with Speedy Insurance Reimbursement
I recently had a very sick dog that required hospitalization and a very huge bill. Embrace handled all claims in an expedient manner and sent my money sooner than you would expect. Great insurance company. One you can rely on. They live up to their promises and do everything they say they will.
Insurer: Embrace
By: Cheryl Zygmunt
Quick, Helpful, and Caring
Embrace insurance has been wonderful covering the complicated operation and post-operative complications for our dog, Cody. They have been helpful, responsive, and caring in helping navigate the process. I am so glad I have my pet covered by Embrace!
Insurer: Embrace
By: Cathy R
Prompt, clear, and professional
Prompt, thorough, clear and easy-to-understand, transparent. So far I love Spot.
Insurer: Spot
By: Pamela
They cancelled my policy after 5 years
I have paid on my policy for 5 years for my dog and my daughter's dog. My daughter had to move to CA for work which never seemed to be a problem filing claims for her dog. Earlier this year I called with a question and said my daughters dog was in CA and he had had a couple claims. My dog has never had a claim in those 5 years. They said since my daughter moved that both dogs could not be on the same policy. So they cancelled my dog in March 2023 the second I told them she had to move. I turned in a claim in July 2023 for for labs for slightly elevated liver enzymes that he has before (the vet said don't worry, they were not that high) and since he had to start his waiting period over, after 5 years of paying, ASPCA claim it was a pre-existing condition and will not pay. This is wrong of the company. I will cancel this policy as they just cancelled my dog and erased 5 years of payments and no preexisting conditions, without any claims. Guess there isn't anything I can do, but buyer beware. They will find any excuse not to pay a claim.
Insurer: ASPCA
By: Cindy Brigham
Worth every penny Trupanion!
I bought Trupanion shortly after I got my new puppy five years ago. I have had quite a few claims since then and they have always paid at the rate in my policy. I am happy with Trupanion! Also it’s great when going in for an ER visit with a sick animal that can literally cost thousands that they can pay directly to the facility making my out of pocket expense doable!
Insurer: Trupanion
By: JEANETTE HORNE
3 Month review
My dog, Shelby, had a rough come up. He was a rescue dog and is very nervous. We brought him to our vet the first day we took him home and the vet labeled him “aggressive”. Understandable, as he was nervous to many new things. We have taken him through extensive training and he has made enormous progress. It finally came the time to start regularly brining him to the vet for check ups and get him up to date on his medical records. After 2 vet exams I submitted my invoices over to pets best. First of all it took over a month to hear anything back about anything, 2nd of all, because of my first vet visit with him back in 2021 they deemed him with “pre existing conditions of aggression” and only reimbursed me <10% of my policy’s reimbursement plan. I had a 90% reimbursement plan and a 100% reimbursement plan. Untimely leaving me with a very sour taste in my mouth. If your beloved pet had any type of rough come up, anxiety, “aggression” or any other nervous reactions to a vet, they will not cover you. The reimbursement plan essentially paid for 2/3 of the payments I made to pets best for the 3 months I was with them making it a complete wash, but now leaving me with over $1000 in vet bills. Makes me feel my pet and I are just purely a number in their system and there are no real human to human interactions. All computerized and only looking out for their pockets.
Insurer: Pets Best
By: Kyle Henneberg