DELAY, DENY! They have denied every claim. They just denied my 7 year old dog treatment for eating rat bait because "she had a history of eating things she was not supposed to." We never put in a claim for her eating anything before but did tell the vet when she ate a rock as a puppy (as many do) and, we called when she ate a piece of chocolate once, as any dog would do. Bait is scented to attract animals - that's why it's called BAIT. I've given Trupanion 9K over 7 years (they do raise the price our premium went from $44 to $110 a month) and they refuse to cover ANYTHING so far. They took 2 weeks searching her medical records and their contract to find ways to deny claims the claim. Sounds like United Health Care's "Delay and Deny" motto.. despicable. Don't waste your money on this company, just put the money into an account every month instead or you'll never see it again. I have canceled but am left feeling scammed. I do not recommend to any dog owners out there.

Did a credit search on me when I've never even heard of this company. Apparently, they are somehow linked to the Legal and General Group. You'd think these big insurance companies would understand GDPR regulation by now...

Hundreds of emails and texts in the first month

You advertise on your pamphlet and website that you cover 90% of the cost of vet bills. But you only covered $115 of a $600 bill. I paid $100 for the insurance which means it was a complete wash. I will be cancelling.

Why do you guys use the same excuse to all your customers not to process claims . I’ve gave you all the records, receipts, photos and still you say you havent received them. My hospital tells me you guys find excuses not to pay claims. This needs to be reported. Im going on almost two months fighting with SPOT insurance.

I’ve been a faithful costumer for 3-4 years now and I find it ridiculous I only have a 2500 annual limit for reimbursement. My dog has a 8 thousand dollar surgery and I only get 1200 for it is insane. And I cannot adjust it higher. I’m canceling once my contract is finished. You guys don’t care about pets only want money.

I have a policy with MetLife already I wanted to add a second dog and was given the most ridiculous price quote i ever heard. My Lexus car payment was less than the quote.

They refuse to answer the phone. They don't pay on claims for months, if at all. They respond to emails with excuses to explain delays. According to their emails they can't help you in a timely manner because they are overwhelmed with claims. Buyer beware. Stay far away from this company. According to them they are too busy to deal with their customers. My experience with them Spans from Jan 2025 until Sept. 2025 when I canceled the policy.

The web site didn't work at all yesterday. Today, it bounced me back to the homepage 6 times during the claims process.

claim form had repeated error messages that necessitated restarting claims