Nope nope nope nope

Coverage is rather expensive, and the Wellness Plan isn't really coverage because of what the monthly premium for it... Staff are very helpful.

Just like other insurance companies... ASPCA barely covers anything. Preventative care is a waste of money as well. They give you pennies for vaccines and don't even cover the total cost of exams. The monthly premium isn't worth it. Better to just save that money and put it towards the future vet bills. I have claims that were denied because of preexisting conditions. I have NEVER taken my pet in for what they describe as a preexisting condition. To make matters even more frustrating YOU have to contact a separate entity and file a complaint. Seriously, just avoid ASPCA insurance and save up some money every month instead of paying for a plan that will barely cover anything and if it does you'll get pennies.

My first two vet visits were covered almost 100%. When I took my girl for a wellness check for her 2nd birthday they wouldn't even cover her rabies vaccine or distemper. $415 bill and they paid $117. Why am I paying a premium if suddenly I can "cap" on necessary vaccines and care for a healthy dog? Even in the fine print I didn't see that. Disappointed in my pet insurance choice now when I expected the vaccines and heartworm care and tests to be covered.

Unfortunately, I can no longer trust Embrace. Here's why: When I first signed up, I had to choose which breed my dog was. It is a Mini Australian Bernedoodle (a mix between 4 breeds) and there was no option to select "bernedoodle', so I selected "Mixed Breed" (which is accurate). In addition, Bernedoodles are not even recognized as a breed by the American Kennel Club (AKC). My original quote was ~$52/month. Six months later, after they saw that one of my veterinarian records said my dog was a bernedoodle, they said they needed to change the breed classification, which increased my premiums by 92%. Then 1 month later, they raised the premium by 11% more as part of an annual premium rate increase. Then several months later, they increased the premium again by 33%. And just recently, they increased the premium by ~50%. I have not had any major/expensive claims that would warrant these increases. So I am cancelling my policy and going elsewhere.

I initially chose Trupanion based on positive reviews and their direct payment option to veterinarians. However, I've found that many vets and clinics don't accept direct payment, significantly diminishing this benefit. My cat's diagnosis of feline asthma required a cardiology consult, which was unfortunately denied coverage by Trupanion. Despite letters from both my vet and the cardiologist, they classified it as a "wellness visit," even though it was essential for proper diagnosis and cost nearly $1,000. While a subsequent X-ray consult was eventually covered after multiple appeals, the entire process was exhausting, and I eventually gave up. Trupanion also notified me via email in December of a $20 premium increase for my other cat's policy, citing "increasing cost of care in my area." However, when I compared quotes from other companies with the same coverage, co-pay, and deductible in my area, their prices were significantly lower. I canceled this policy. I retained my asthmatic cat's Trupanion policy due to concerns about pre-existing condition coverage. However, this month's premium unexpectedly increased by almost $15, without any prior notification (which they are legally required to provide at least 30 days in advance). While they claim to have sent an email on December 14th, I only have record of the email regarding the other cat's premium increase. After comparing current quotes, I found a policy with comparable coverage, deductible, annual limit, and co-pay for half the price, and it even covers my cat's asthma. While Trupanion may be one of the oldest pet insurance companies, my experience suggests they are far from the best. Their high prices, denial of necessary consults, efforts to avoid payouts, and frequent, poorly communicated price increases are unacceptable. It's especially frustrating considering Trupanion CEO Margi Tooth's nearly $1 million annual salary. The rising cost of pet care is a significant barrier to pet ownership, and companies like Trupanion contribute to this problem. I strongly advise exploring alternative pet insurance providers, as there are many better and more affordable options available.

They ran a promotion for a $25 visa gift card to add a new pet. I called to add one and was waiting on the gift card and never received it so I called back and the rep said that it was apparently only online if you add the pet yourself which I was going to do. I had it set up online but I only called because I had questions on coverages. So they’ll only reward you if you don’t talk to someone? It should work both ways and now I’m out $25.00. I would think as a courtesy they could still send it or credit me in some way due to the poor communication, but even if I cancel my pet and re add her online it won’t make a difference now. Never had issues before now and this is something I felt they should’ve taken initiative to make right.

ABYSMAL service. Our dog had a medical emergency that required him to have an emergent exploratory laparotomy. During this crisis, we learned our policy was never activated due to the lack of follow through on the end of Trupanion. Trupanion assumed responsibility of this mishandling and assured us that our policy would be able to be retro activated and we would have to pay the difference of the back dated policy. We were originally given an estimated time of 12 weeks for this to resolve. It has now been 30+ weeks and no updates in sight. Better yet, we have been strung along, with the hope that we will be reimbursed for this $6,000+ surgery. Everytime we reach out to Trupanion we are assured that there will be follow-up but no updates have ever been provided by this organization. Every single interaction has been facilitated by my husband and I where we are met with "I understand this is frustrating" or "we will have _____ follow up with you" but there is never any follow-up or resolve to this issue. At this point, the services this company "provides" are non existent and completely fraudulent. If I could rate this company a zero I ABSOLUTELY would. Do better Trupanion.

My dog had diarrhea the first week we got her. So now any time she ever gets diarrhea Trupanion declares it a preexisting condition. Absolutely ridiculous. Horrible company.

This pet insurance is a complete RIP off, two dogs and paying over $120 a month for even the premium care and all of that, just to get back $25 on over $600 of a bill. WHAT A SLAP IN THE FACE. They DO NOT give you anything written that shows HOW they came up with that, and try to mess with you and never call you back when promise. Also, had to follow up 17 times in two weeks JUST to get an answer. They automatically send INCORRECT information out. STAY FAR AND CLEAR from this insurance that steals money!