I would give -1 if I could, they tell you one thing to get you to sign up (4dogs) but when it comes time to JUST add to the co pay, not even pay you for any thing, then everything changes! had a new vet that day (that I swear must work for them) said my 3 year old very healthy boy who twisted his neck, have some sort of Orthopedic disease!!! Even after I spoke to the vet and she CORRECTED the paperwork, they were terrible! I cancelled all of my dogs insurance with them. Again, you posted “Pre existing” yet the vet herself told me she corrected that in a letter to you. So I am still very glad I canceled all 4 of my policies with you!

My claims continue to be rejected as pre existing conditions; in hindsight I would not go with this company. This company doesn't have your pet welfare in mind; the profits steer their decisions.

Very horrible and deceiving insurance company. They received your claims and do not process them even though they fall within their policy within a new excuse each time.

Customer service is excellent when you are singing up, though very very poor when it comes to questions about claims, especially the ones they unfairly reject without providing reason for.

Don’t be fooled by the self described “cute” app presentation, using bright colours and emojis to make it seem like they are your friendly next door pet insurance…This is a sneaky, soulless insurance company that will manipulate and squirm out of any claim it possibly can. Delay. Deny. Defend. I wouldn’t be surprised to see that written in big letters on the office whiteboard.

Spot pet insurance won't cover emergency visits because they're "pre-existing conditions". If my dog eats some garbage then needs her stomach pumped, this won't be covered if it happens more once within 6 months. This is insane and a complete waste of my money, the coverage is underwhelming even for the most basic of plans. Don't buy Spot pet insurance

I waited 3 weeks to receive my dogs medical report. Followed up 3 times and finally received it after my billing date. Was told twice that it takes 7- 10 business days for it. What took forever was because they were waiting on records from a vet i told them she never visited. And their response was that perhaps it was under a different name? So, we were essentially waiting on something that does not exist. But finally the third follow up her records were given to me right away. Medical report was ridiculous. Recorded on her report that she was timid (she was a puppy and it was one of her first visits) and another visit was restlessness (it was a re-check from her spay). So, what this means is that they can decline any claims if she seems restless. It's ridiculous. I chose at the time a 1000$ deductible. Which means that for every condition that is covered, i have to pay 1000$ first before they would cover anything. Which I was completely fooled into thinking this was the best for my dog. Other insurance companies offer an annual limit, cover sick exams, cover taxes etc. FOR THE SAME MONTHLY RATE at an actual RESONABLE deductible. I used to tell friends and family good things about trupanion. Not anymore. I hear more and more people with similar experiences. Who knows if this review will reach google. Trust me when I say there is MUCH better insurance options out there.

$170 refunded for over $1100 in charges. This was vaccines, bloodwork prior to dental (his first ever, no major issues), and the cleaning itself. Not at all worth it.

Make sure u sit through and read every single fine print. They make you pay for the insurance up front which is understandable but don't even think about submitting a claim for the first month it will be denied as they claim to have a waiting period before u can even use their services

I signed up for a high deductible and pay the greater amount monthly for 90-95% full coverage yet I am not covered for basic vet checkup fees (especially if it's a reoccurring visit for the same health issue) and don't get reimbursed on flea medication or vaccines. In my opinion it is really unfortunate that these things are not included. I have been looking to switch insurances because of this. I just wish I received some type of financial help when I can't help that my cat has an eye issue and needs reoccurring visits. Maybe you do cover it within a different coverage and I am not aware but I do like the insurance but it is unfortunate that these things are covered.