If I could give them zero stars I would. You’re better off saving your money on your own because these guys will not pay out a single claim. Bought insurance for my kitten and during the first year she felt a bit sick so took her to the vet and she got treated for a slight respiratory virus. Fetch didn’t cover because of some BS they stated. It wasn’t a lot of money so I said ok I will let it slide. It came time to neuter her and I opted for a plan that covered $150 of neutering. Nope denied too because it needed an add on. They are complete crooks, stay away.

I have used them since the arrival of my puppy and have kept them for 3 years. The first 2 years, they were great. He has issues with bloody diarrhea and vomiting and they covered about 50% which was about $2.5G (I had the most expensive coverage). This last year, they have not reimbursed me for much. When I appealed, they stated that because my dog had an ear infection - all my claims are related to this pre-existing condition. The same condition he had the prior 2 years when they covered a good portion of his vet bills. I knew something was up when they periodically kept requesting his complete medical history even though he was their client since day one and they have copies of all appointment notes. Save the $100/month cost and find another insurer

30% increase in premium out of nowhere super cool! I pay more! Woooo!! This insurance is very very expensive!!

I purchased the Preventive Care Gold plan which documents that an annual rabies vaccination will be reimbursed up to $20 annually. They "denied" my reimbursement, stating that the rabies vaccine that my cat received this January was "not" a rabies vaccine, even though I have an invoice from my vet with "rabies vaccine" on the invoice. I won't renew my policy, as it expires in early March anyway. I don't have time to deal with absurdity. 02/03/2025 Update. Spot Pet Insurance emailed me to verify that I had an actual claim number which I provided. After review, their response was to stand by their denial. 02/03/2025 Update 2. I received a phone call from Spot Pet Insurance to tell me that my initial claim was valid, that they had incorrectly processed the rabies vaccine, and that I would be receiving the benefit of the $20 reimbursement. Will update again when the funds are received. 02/11/2025 Update 3. I did finally receive the $20 benefit for my cat's rabies vaccine from the Preventive Care Gold plan. It took this review, an email, 2 phone calls, and 2 weeks and 2 days. Review changed from 1 star to 3 stars, because they did correct their mistake.

Pets best math is not normal people math 1000 deductible pay 70% of the bill They do not pay for the exam fee My bill 2030.35 Exam fee 195 Less 1000 copay Left me with a 70% payment from pets best of 284.73 They do the math as 2030.35-195 then take 70% of that rather than 2030.35 -1195 so $300 difference on what I believed they would pay. Very disappointing.

The coverage that this insurance company provides seems to be good. But when we first signed up on the phone with a promo code for first 30 days free the gentlemen had explained some great benefits such as the company pays upfront and that our clinic we take our dogs to is a partner with them. However, that was not the case when we talked to our vet clinic they said we have to submit a claim and pay upfront. We called back Trupanion to clarify again and the first person who answered did not have any answers so he transferred us and then the other employee that we got transferred to explained something different. We had also seen a brochure that there is “instant coverage with no waiting period” but we got told on the phone if we wanted to add a second dog we had to do a waiting period of 30 days in order to receive coverage for the second animal. It does not sound like the employees/company are all on the same page. Very nice employees but very confusing policies and after the 30 day period we will not be continuing.

It didn't cover my pet visit and we were not able to get the treatment my pet needed.

I do NOT consider a $4 discount for an additional pet very compelling to work with nationwide I will continue to research options

DOES NOT PAY A DIME!!! I hv spent months tryn to get them to approve an estimate & pay the amount do for the covered vet visits! Calling weekly jumping through all their hoops. My claim has now been sitting in the claims department desk with everything they need for three months. I don’t know how this shows that they have such a high rating. They are by far the worst company I have ever dealt with they do not care about the animal one bit. They’ll tell you they’re thankful for your continued loyalty as a customer, but they’re just thankful you’re paying the payment while jumping through all their hoops so that they don’t have to pay anything.. I have spent hours on the phone with themover the last six months! it’s become like a part-time job I have finally given up. They finally wore me down. Please do yourself a favor and do not waste your time and your money with this company. It will only bring you heartache. My next step will be the BBB.

If I could give them zero stars I would. You’re better off saving your money on your own because these guys will not pay out a single claim. Bought insurance for my kitten and during the first year she felt a bit sick so took her to the vet and she got treated for a slight respiratory virus. Fetch didn’t cover because of some BS they stated. It wasn’t a lot of money so I said ok I will let it slide. It came time to neuter her and I opted for a plan that covered part of neutering. Nope denied too because it needed an add on. They are complete crooks, stay away.