Yes they do cover what they say in your policy but beware! God forbid you make a claim. We had both our dogs covered by these crooks for years until we had to make a claim and then the policy monthly payment jumped by over 50% for the one dog and was ridiculous for the other dog after a claim the monthly jumped to over $250 but only after the claim. Of course they tell you it's because of a whole lot of factors but it sure seems like a really high coincidence that both times we finally made a claim the rates jumped up to the point where after another year that claim they would have their money paid back. Every year the claim would go up, but after a claim it was crazy. Our one dog started at $43 per month, then the next year went to $56, then to $74, then to $105, all with zero claims. Once we had a claim the next policy was going to be $163!!! Stay away!!!! The same thing happened with both dogs after a claim. Kept raising the premium every year and did absolutely nothing. Once they had to cover something it jumped like crazy.

I registered two pets paid two policies and I only got one policy code but you took my money what's really going on

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The worst experience. Rollover from ManyPets. Premium doubled and my claim was denied of course as a preexisting condition. I have wellness insurance as well and all the shots and Drs visit were also denied. I brought my dog in for limping but also had the yearly things done, shots, fecal etc to actually save a few bucks since we were there. X rays showed arthritis as well as issues that were from a previous surgery that I know they would not cover, but I do not think arthritis is preexisting! It is a new development. Also the time frames for a response is way too long. Yet the premium of $106 is grabbed very quickly when due. What a bunch of dishonest people. I had referred at least 5 people to ManyPets and now they all are stuck with Odie and all will cancel.

They raise their prices all the time. If you have a French Bulldog, good luck. I now pay $250 a month for his insurance. Increased it $50 dollars a month and they say it’s not because of claims which is BS.

They will find any reason to deny your claim. I got my dog from the pound and all of his old medical history we could not get ahold of because it was not given to the pound we got it from. We only had the medical records from whenever he was in the pound to whenever we started taking him to the vet. They were trying to deny the claim because they didn’t have any of his records to see if they could prove that it was a “pre-existing condition”. They will try to say that everything your dog has is a pre existing condition. Do not recommend and this is a SCAM. If you do try and call about it, they’ll tell you that they’ll have someone reach out to you but within 3 weeks I never got a single call and any time I would call to get an update they would act like they didn’t know what I was talking about. DO NOT RECOMMEND AT ALL.

It’s easy to submit claims but sometimes I have to submit the same claims multiple times. The claims I submitted don’t show in the app or sometimes they seem to disappear.

After 7 days I'm still waiting for approval (or not). Not a lot to review right now. I thought you guys would be quicker.

Very expensive monthly fee; and Trupanion would not honor one of my former claims even though it was appealed by my vet. My vet said my dog had an ear infection with no sign of allergies at the time of the exam. She said Trupanion only assumed it was.

With the recent rate increase I decided not to continue with the insurance