Although representatives are nice, they are saying my pet’s visit are due to a pre-existing condition. My vet says it isn’t.

I like that Trupanion is quick with claim responses, and it's easy to understand what is or isn't covered and why.

I got stuck with this company because ManyPets that I used to have left the U.S. market and my policy was sold to them. They are horrible. It is very hard to communicate, and the claims are denied for no valid reason. They also applied a cap to my used to be "unlimited" policy with ManyPets for the same premium amount. It's been a month and the claims are still in a "submitted" status. ManyPets was great, easy to communicate, and claims were processed timely. This company is a nightmare to deal with.

When I got this insurance 3 years ago I'd seen my boss have it and it only went up a few dollars. After I got it, it went from $175 to $290 a month. I increased my per diagnosis deductible to lower costs, then the next year it went from $242 to $389 a month! Like what the actual F? With that and the ridiculous per diagnosis deductible, I can't even afford to take him to the vet. Yes, they will pay the vet directly, but other than specialists and emergency, I have yet to find a vet that uses their software. I got the insurance specifically because they always charge at the age you sign them up, supposedly to keep it from increasing as they age, but mine has increased like crazy. It's much more than I paid with my last dog whose policy went up yearly as he aged. I also chose them because they pay directly, but many vets don't do that. I pay extra for coverage that's standard with most companies. With my last dog I had Healthy Paws which had a 90% reimbursement and a $100 annual deductible. I never had any issues with them and if it was a scheduled procedure, they would pay the vet directly. I left them with my new dog to avoid the annual increases, but I got screwed because trupanion has increased more than my other policy did and I had that one for around 8 years until my boy died. Now I feel like I'm stuck because anything he's been seen for or anything even mentioned, whether he had that issue or not, will be considered pre-existing. My renewal is coming up in October, and I'm terrified. All of my friends that get pets come to me for help getting insurance, and I do not even look at trupanion. The one friend in the beginning that did sign up switched when they sent her overpriced renewal notice. I'll just say, I've never had an issue getting paid, but I never once had an issue with Healthy Paws either, and it's much better paying an annual deductible than paying one every time you go to the vet for something new. That's also how they get you...if you go in for something you already paid the deductible on and they find a new issue, trupanion will make you pay a new deductible even though you already satisfied it for the reason you scheduled the visit. I have two other dogs, and they do not have trupanion. I'd be homeless if all my dogs were with them. There are so many companies that cost so much less and cover the same stuff and even more, like exam fees. If they don't do something soon, they will continue to lose people. Just for fun I priced our new dog, and trupanion cost three times more for less coverage that the other companies I looked at. They wanted $389 a month while others cost $98-$140, paid out 90%, and covered exam fees and acupuncture, etc without having to pay an extra monthly fee. DO BETTER! Stop lining your pockets with people's per diagnosis deductibles. You are literally the only company doing this. On top of that, there's not even a working app now? I just got my renewal and it's gone up 48%. Bye bye Trupanion. Spot is $146

This insurance is a nightmare. They never payed off their part, always looked for reasons to deny even though I was with them for 2 years since I got my dog as a 7 week old pup. Spent so much energy appealing every decision, involved my vet who wrote letters of explanations. Now I am done. Canceled the subscription and will never go back there again. I do not recommend getting involved with them even though USAA recommends them. Embrace is terrible, the worst!

They are absolutely terrible, do not trust them with your pup insurance they deny, short pay, stall and delay any and all claims. The worst.

We sent in a claim and it is still in for review two months later.

having a problem navigating and submitting information, finally got out and tried to get back in site, would not load, soooooo tried a different way and finally able to submit my claim. never had this problem before, what is going on?????

Trupanion was the recommended service when we got our Maine Coon kitten from a breeder last year - it seemed good but pricy -and he's a healthy kitten so we've never had to file a claim ( and we knew upfront they would not cover his neutering last spring). Well, we got a shock message a few days ago that our premium would be going up 35%. Trupanion must have gotten complaints so they mailed an explanatory letter that we got today but apparently their printer ran out of ink so the only readable section was "new premium -$96" in blue ( can you say poor optics?). So we added him to the policy for our other cats with a different provider who has been great so far - less than half the cost. Unless your Vet does direct billing with Trupanion, these folks are just not worth it.

The worst experience ever.