Horrible. Use any other pet insurance. I bought trupanion starting in 2011 for my 6 month old puppy. In the last 14 years Trupanion had covered NONE of her medical expenses. This includes knee surgery, when she was stabbed by a human 7 times, nor dental disease (just to name a few). This year my monthly premium jumped from $75/month to $120/month with no notice nor contact telling me this change would occur. Go with any other pet insurance. Trupanion is absolutely horrible!

They say they're the 'honest' insurance company, which makes the dishonesty worse. I moved a few blocks, using the same vet, and they increased my monthly deductible. The costs to them didn't change, only the cost to me went up. This isn't right. Every time I file a claim, >50% of the expenses don't count towards the lifetime deductible. UPDATE: DOWNGRADE. 2 stars -> 1 star. Trupanion asked me to reach out. I reached out. They said they could reduce my coverage to get my cost down. That missed the point and wasted my time.

I’ve had Embrace Pet Insurance since 2022, paying monthly with the expectation of peace of mind if my pet ever needed care. Unfortunately, when I finally needed to file my first claim, it was denied—despite having active coverage for over two years. To make matters worse, my monthly premium nearly doubled recently, and the only explanation I received was that it “reflects rising veterinary costs.” Meanwhile, I received no added benefits or improvements in coverage. It’s incredibly frustrating to be a loyal, paying customer for years only to be denied support the first time I actually need it. Pet insurance is supposed to provide security and reduce financial stress, not add to it. Based on my experience, I cannot recommend Embrace. If you're looking for an insurer that actually supports you when it matters, I’d suggest looking elsewhere.

Same feedback as other reviewers recently. I have had my pet with this insurance company for 9+ years. Over that time, I have taken him in only twice for minor incidents that I had bills of less than $300 each. He just turned 11 and his insurance has gone from $65 a month to $160 a month. From what I see other reviews, I fully expect it to go up to $500 next year. This means that they are purposely trying to kick people off of their insurance as your pup ages which is at least unethical if not down-right illegal. Please research other providers before using this company.

Easy to sign up, difficult to renew. Three stars because they decided not to renew my policy and didn't give me a way to switch to another plan

This is second time submitting this claim. I went in because I hadn't received any money and it showed I never submitted, which I did back in April. There were also many times I received an error code when trying to submit a claim or it wouldn't let me go back. I had to open a new tab and login again. I also couldn't review prior claims.

My dog is diabetic and must wear a Libre 2 plus monitoring disc for her glucose readings. She must also eat a special dog food for diabetics to control her glucose spikes. Pets best denies both of these as part of the treatment and will not help cover the cost

When my pet insurance policy was up for renewal, I contacted NW and they told me that I needed to get a new policy. They told me they would have to close my existing policy before they could renew. Now I have no insurance. They sent out a questionnaire asking about my pet and what veterinarian office I was using. They contacted the office to get my dog medical records. Apparently after NW reviewed his records they found that his liver ALT was slightly elevated. NW considered this as precondition. I was told by my vet that this is not unusually in dogs and there is no precondition with him or do we need to treat him. I spent more money to have a complete liver panel done to only find out that everything else was in range. I went back to NW with this information and they came back with he needs to be treated. This was the end for me. Is NW a vet professional or an insurance company? I think my vet knows what they are talking about. I have had NW 10+years and I always highly recommend them to friends with pets. No more. Nationwide was definitely not on my side.

Unfortunately, my experience with Spot Insurance was deeply disappointing. After insuring my cats, Gwendolyn and Wessley, and submitting multiple claims for each, all were denied with explanations that felt dismissive and inconsistent. Despite my appeal and supporting documentation, their resolution process felt more like a formality than a genuine review. Customer service was polite but ultimately unhelpful, and the outcome left me with little trust in the company's integrity. I’ve since canceled my policy and will not be insuring any of my pets with Spot again. I strongly recommend looking elsewhere for pet insurance that’s fair, transparent, and dependable.

They deny everything and request paperwork 6 or 7 times before they ever accept....THE ABSOLUTE WORST COMPANY I'VE EVER DELT WITH....