Don’t bother. They didn’t cover anything at all. Appealed it and only got a letter saying it wasn’t covered - including the general exam. Save your money for the vet bill instead of paying this no good insurance.

Two of my claims have been processing for around two months now. The first claim I had to resubmit because they forgot to reimburse me for my second transaction in the claim. Then I had to resubmit several documents several times for both claims.

I've been with Healthy Paws for 10 years, insuring my 2 dogs since they were puppies. Generally had a good experience, the claims process is pretty easy. However, now that they switched underwriters (2024/25) the rates have skyrocketed, and if you have a senior dog (10+) they will force you to increase your deductible, while your monthly premium will more than double. They don't want to insure senior pets, who need it the most, so they force you out financially. My healthy 10 year old dogs rate went from $90/month to $190/month and deductible from $750 to $1000, (which is really hard to reach). Check out the reddit thread about them and I promise you will want to look elsewhere. I suggest you do your research and find another pet insurer who actually cares about your pets for their ENTIRE lifetime.

I have been an Embrace customer for roughly 8 years. I counted myself a very satisfied client up until recently. About 4ish months ago added in my puppy, Milo. I had filed a claim for Milo because said dorky puppy ate a mushroom and got pretty sick. Long story short, emails were exchanged, the point of the emails were unclear until I called in and a very patient individual spoke to me in non-insurance speak and explained the issue. However, in my frustration prior to the call I went shopping for new insurance. After checking with a very large online dog community of dedicated sport dog enthusiasts I opted to investigate a couple of alternate insurance companies. Much to my surprise, I discovered I could get insurance with a higher reimbursement rate, no annual limit, a slightly higher deductible, and added in some routine care (spay, vaccination, etc) for less. Much less. I can cover all 3 dogs, ages 7, 2, and under 1 year, for about $40 less a month. In these rough economic times, customer loyalty is out the window. I'll take the extra $480/year in my pocket.

They used the fact that the vet did not see a foreign object in his paw, despite the fact there was a very large wound, it was infected, and they needed to clean it out and prescribe antibiotics, as an excuse to deny the claim. They said since nothing conclusive was found, they could not cover the claim. When I pointed out that the vet said it could have been a foreign object, the claims adjuster had no reponse other than to say the vet did not find anything conclusive. I asked what else could have caused a large wound and needed the care that it did. Again no response. I am filing a claim with the insurance commissioner against them. I would love to be able to file a lawsuit against the adjuster personally for fraud, but I'm not sure it is worth the trouble. I might do so just to prove a point. Horrible company.

When my pup contracted a respiratory infection, Figo dragged their feet and told me conflicting information. I kept getting emails that I did not have the required documentation yet when I would chat online with a representative I was told I did. The amount of documentation required was insane as well. I uploaded approximately eight different medical documents just for one single visit. I had to keep calling my Vet and asking for more documentation. at this point, my claim has not even been processed, and Figo gives a 10 day window to provide supporting documentation before closing the claim. I have one day left. I think they are trying to stall me until the window closes. do not recommend the monthly price they offered was too good to be true.

They have become greedy and uncaring in last few years, my name is Wayne Samms and I do not recommend Trupanion.

The coverage looks good but after having this for only a year, we received a renewal for over 25% increase per month. My dog is very healthy and six years old. Never had to file a claim, but moving to just using a savings account versus shelling out $1289 a year in premiums and still handle a $1k deductible.

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I’ve been with this company for almost 14 years. Over that period The rates have gone up grammatically. The few times that I really needed this company to be there for me They failed miserable. They have more loopholes for not paying out and you could imagine and when they do pay out, it’s a small fraction. You will be so much better off putting half of the money in a bank over the years that you would payed them. And you will have more than enough to cover any emergency. They also drop you at 14 years. They make millions of this scam.