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Pet parents across the U.S. and Canada have left over 150,000 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our review hub makes it easy to compare top providers and find your perfect match.
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Trupanion stands by their policy benefits
Trupanion covered 90% of my dog's surgery bill. In addition, Trupanion paid the hospital directly so I didn't have to pay the full bill out of pocket and wait to be reimbursed later.
Insurer: Trupanion
By: Christina
Ease of filing a claim is excellent
Ease of filing a claim is excellent. Direct Deposit into my checking account is an added bonus.
Insurer: Embrace
By: Candyce P Long
Very poor reimbursement rate
Very poor reimbursement rate. Many exclusions. Submitted $315 for an annual visit with vaccines and 1 antibiotic, received $60 back. Did not accept initial adoption with vaccine invoice bc it was over 3 mo deadline. Terrible value for the cost.
Insurer: Fetch
By: Mere
Fast preapproval for emergency treatment
Trupanion quickly provided preapproval for my pet's hospitalization for emergency treatment of poisonous material. They came through at my time of need so I did not have to worry about being able to pay the bill
Insurer: Trupanion
By: Carol
Filed a claim of just under $6k after…
Filed a claim of just under $6k after my dog had bowl obstruction surgery. My claim was accepted and 90% of the claimed amount was deposited into my account literally the next day; probably less than 12 hours later. Extremely fast. I would absolutely recommend Pumpkin to anyone that has a dog or is thinking about getting a dog.
Insurer: Pumpkin
By: customer
Very easy to submit a claim and very…
Very easy to submit a claim and very quick to respond
Insurer: Embrace
By: Cooper
Emergency room hospitalization
My Charlotte was hospitalized in the middle of the night and Trupanion responded immediately pertaining to coverage and payment was arranged directly with veterinary emergency room. She’s doing great! So grateful!
Insurer: Trupanion
By: Cgaylord
Filing a claim is a snap
Filing a claim is a snap, whether being done by the patients "mom" or by the vet. The claim was processed quickly, and I felt especially good back in the day when I had a sick kitty and we had an ice storm that kept our vet from opening that week. The substitute vet was great, in fact the vet filed the insurance claim for me and payment was made within one week of our visit. Splendid service, well worth the premium.
Insurer: Pets Best
By: Joan Hamm
My understanding was that more would be…
My understanding was that more would be paid by Trupanion. I was understanding that 90% meant 90%. And eas very surprised that of the $1100 charged I was responsible for over $700
Insurer: Trupanion
By: darcy
So far so good
So far so good. Prompt payment. Easy to work with.
Insurer: Trupanion
By: Henry