No mechanism to cancel or change your policy.

We have had your insurance for about 5+ years now. We have attempted to submit only three claims: two were denied and one paid for around $300. Our premiums have continued to increase every 6 months even though we have not used your services. I understand the cost of everything is going up BUT I feel like this is absolutely horrible. We started less than $100, now we are almost paying $200/month.

Had them for a month they took my money and then when I submitted the bill after the dog being fixed microchips needles and everything it was a big Bill. And now they're fighting not to pay any of it they keep asking for more documents they keep asking for bills prior to even having them as an insurance I submitted the bill I submitted the stuff everything else that should be more than sufficient and I shouldn't be held up asking for more crap you have everything. Cancel the movie going with somebody that actually that can build directly and I don't have to go through this first bill and they don't want to pay a cent took my money won't give it back and won't pay nothing for the bill not a very good insurance beware of this pet insurance I have e submitted all medical records I have submitted a full detailed bill so everything has been submitted they're now asking me for bills prior to having your insurance which they have no right to ask for

I’ve had Embrace for 9 years. The rates appear to go up yearly. A few months ago i sent a note telling them their automated system misdiagnosed my dog’s problem. Almost immediately someone at Enbrace contacted my veterinarian and requested my dog’s entire medical record. I was cc’d. They then denied my claim of lameness for reimbursement of Carprofen, stating that the med was for treating a pre-existing diagnosis. I recently contacted them and asked that they find a way to lower my monthly premium. She agreed, lowered the premium $20 but in exchange I had to agree to a higher deductible. I am seriously looking for a different insurance company.

Too much time processing claims and your Premiums are unacceptable which has caused me to cancel my policy.

Very disappointed that my dog's care for her recent diagnosis of cancerous fibroid is not being covered at a holistic vet. The ozone therapy is "alternative" and only covered with an additional rider that needed to be purchased at onset of policy 12 years ago! This falls under "things not covered" Naturopathy, that I should have anticipated needing or knowing that this therapy would fall under this. Ironic thing is that if I had chosen a riskier surgery for my pup- it would have cost thousands more in claims but would have been covered. Make it make sense....??? My premiums started at $30ish/mon and now well over $60/mon in 12 years with no claims and NOW that it's needed... not paying for her therapy that can help her.

Terrible Company - they try to get rid of older pets by tripling the rates when the animal ages - this is after 7!years with them and no claims

Premium doubled in about one year. No letter, just an email that could (and did) end up in the bin. Shame on this company for squeezing pennies out of struggling families in these difficult times.

I like that Trupanion is quick with claim responses, and it's easy to understand what is or isn't covered and why. I don't like the premium hikes each year which seem hefty and our dog is only just about to turn 3 in November, but I'm already wondering if we should shop around for other insurance options that are less pricey and with lower average price hikes each year...

This insurance is a nightmare. They never payed off their part, always looked for reasons to deny even though I was with them for 2 years since I got my dog as a 7 week old pup. Spent so much energy appealing every decision, involved my vet who wrote letters of explanations. Now I am done. Canceled the subscription and will never go back there again. I do not recommend getting involved with them even though USAA recommends them. Embrace is terrible, the worst!