Please trust that this is the absolute slimy company you are reading reviews to try to avoid.

Shamefully increasing to the highest premium each year of my dog’s life. I’ve been with them for 12 yrs. They only care about money not the animals. They pay for what they say they do because they have to.

I've dealt with them several times and have found them to be VERY SLOW in processing claims. Additionally, they say they've paid a claim and it takes forever to actually receive it. Also, when asked why it takes so long, they simply say "short staffed." I made the comment, "maybe I should have considered a different pet insurer," their response was simply, "that's totally up to you. I guess they figure that one less client means less claims to process. I would seriously suggest that you consider other pet insurance options.

I've had Trupanion for my cats for over 2 decades. It provides very good coverage for everything but routine vet visits and vaccines. The reason I didn't give it 4 or 5 stars is because the rates go up significantly every year--much more than the cost of inflation. You have to be quite well-off to afford Trupanion coverage now compared to when I first signed up. There are other, less costly pet insurance plans but once your cat has a medical condition you have to stay with the one you have as no pet insurance covers pre-existing conditions. On a positive note, my cat was recently diagnosed with feline diabetes and Trupanion has covered all her diagnostics, bloodwork and medications for this condition. So I am very happy about that.

Embrace is a total scam. You are better off saving the premium money for when your pet needs to see a vet. Despite having received my vet records for the 12 month pre-policy Embrace is still withholding reimbursement for an emergency vet visit due to an insect bite 6 months ago. They are now requesting vet records from 4 years ago so they can keep hunting to try to find that pre-existing condition to get them out of reimbursing me. Beware.

Somewhere along the way, they changed their terms to not cover the exam. My bad for not reading the small print I guess. So with a 1K deductible, my urgent care trip of $1500 only got me back a couple of hundred bucks. They also have not managed to get their portion to me in the 72 hours they tout it would happen. IN THE FOLLOWING RESPONSE WE GOT THE STANDARD "WE REALLY CARE..." MESSAGE AND A REQUEST TO CALL. NOTE THAT AS REGARDS BOTH OF THESE ISSUES, I ALREADY DID THAT. STILL NO PAYOUT. BUT I AM NOT GONNA CALL AGAIN TO GET THE SAME "ANSWER' AS BEFORE. JUST SEND THE PAYOUT MONEY THAT IS DUE, PLEASE.

Easy to sign up, customer service is not good and daily email reminders are pushed to get your pet’s vet records. Had a question immediately after signing up, called customer support and got a recording directing me to leave a message. Left a message, called right back and now a rep answered. Wanted to cancel immediately but the rep assured me that they offered good service and she would call me back Monday (this was on Friday) I was in the middle of speaking with her and got disconnected. No call back and now 7:00 pm on Monday, haven’t heard a thing. I don’t trust that trying to file a claim with this company will be a good experience. Cancelling.

I have been paying monthly for pet insurance and every time I turn in a vet bill, they argue and don't reimburse as they're supposed to. I'm so upset right now because they have been taking my money every month, but they do not reimburse you! My vet has repeatedly sent them everything they needed, and even talked to them on the phone (8 times). They just kept finding every excuse to not pay. I do not recommend them! There's much better pet insurance out there. Met pet insurance, is a joke!! They owe me over $1,600.00.

We insured our dog with Embrace her whole life. The monthly premium started at around $60 dollars and steadily increased over the years. Last year, we paid them nearly $5000 in premiums with barely any claims. On her 12th birthday, they emailed me, telling us we'd now have to pay $733 a month - $8,796 a year for a 10k yearly max. When I complained that there was no point, and that now I would never get close to getting back the thousands and thousands I'd put into the policy over the years, they gave me some different options, but only one set that would still "cover" my dog's recent injury. I use "cover" loosely, since they're still denying the physical therapy claims. I cannot believe that now, as my dog ages and really needs the support, we won't have any help for her or her ailments, after we worked so hard to keep her happy and healthy for so long. It seems like the people who work at this company care, but their model is so broken. Maybe the whole pet care and pet insurance industry is broken. I don't know. But save the money yourself. Set it aside while your pets are young and healthy, so you can support them yourself as they age. Trust me, overall, it will save you thousands.

I got a quick response, but it didn't answer my question. I've asked again twice, but to no avail. ☹️