I have paid in 83$ a month for 5 years. My bills were over 3k and I recover 400$?

If I could give zero stars, I would. We signed up for Embrace Pet Insurance believing it would help when our dog needed medical care, instead, it’s been nothing but a nightmare. After paying over $2,500 in vet bills (for issues Embrace was supposed to help cover), they spent months ignoring my messages and emails. They kept charging us for four full months of “coverage” before finally deciding they wouldn’t cover anything. Our dog was diagnosed with a lipoma (a benign fatty tumor), and somehow, Embrace used that to exclude every single future dermatological condition, including cancer. To make matters worse, they even denied coverage for an acute ear infection, claiming it was related to the lipoma. That’s not only absurd, it’s unethical. I repeatedly emailed and called, and every time they blamed “missing documents” that our vet had already sent multiple times. It’s hard not to feel like this was all just a way to squeeze more money out of us while delaying any real response. We paid hundreds of dollars in premiums for “insurance” that did absolutely nothing. I’ve never experienced such a blatant bait-and-switch. Save yourself the stress and heartache, do not trust Embrace Pet Insurance. They took our money, refused to communicate, and left us with thousands in bills they were supposed to help with.

Like customer service, Dislike claim process, dislike time it takes to pay.

This is the more expensive pet insurance and it almost never works when I’m at the vet. I’ve had to pay first multiple times. The whole point of me getting this insurance is so it would pay upfront and then I cover my share. Plus it doesn’t cover as much as I thought.. AND they raised my monthly cost.

Trupanion has been a good insurance for most of my dog's life however I am not happy with their latest coverage. My dog may have herniated a disc in his neck, and had an er visit, and two followup visits with his regular doc. Trupanion treated this as three separate incidents, charged three deductables, and denied the visit specified by the er to follow up with liver, ga6l bladder, and pancreas enzymes. This was one injury and should be treated as one injury. There was no routing doctor visit.

Lower your prices to help people who have a limited income be able to afford pet insurance.

Website is easy to navigate. Unfortunately, most of my claims are being denied because of so called pre-existing conditions. It would be nice to know what conditions, if any, will be covered going forward. Based upon my experience to date, I am paying a lot in premiums and getting almost nothing back on my claims. We need Obamacare for pets!

I found this insurance company to be a heartless profit machine. They showed little empathy and were more focused on their bottom line than on the well-being of our pets. Overall, a disappointing experience.

There have been instances where eligible claims were denied and it was only because I called to query that I was told it was being “reviewed” by a machine, I assume AI. Because I called the claim was reviewed by an actual person and approved. It also takes several days sometimes 3 weeks before a claim is addressed. Neither of these occurrences is acceptable.

Don't know as I sent in claims. We'll see. Not crazy about having to get claims in with in a year even as you're still working on dog issue. I'm still paying so why not take care of claim. I've paid for it.