Your customer service sucks. You may be good at pet insurance but 20 minutes to get someone to answer a phone call is pathetic.

Please don't believe what their page says!! I did and now my dog almost died I had to get her to the emergency room due to unexpected bleeding , we didn't know she had a tumor, this was a "pre existing " illness. So the " emergency visit " coverage didn't approve it. An Emergency is UNEXPECTED , things happen, COMPLICATIONS happen. Dont waste your time and money with them.

Not consistent with claims

Was disappointed to see that exam fees are not covered at all.

It't a waste of money they never pay on any claims

I was paying a high premium each and every month for my two dogs and that is now increased up to $120 a month for both my dog. This is the second time I tried to use my insurance I’ll pay for something which is what you get insurance for in the first place. First time I was denied the second time now I only got less than half had to pay $250 deductible, which is crazy after all I pay each month.

They have countless loopholes for not covering standard accidents and illnesses. This is a sham of a service. Don’t enroll, you are wasting your money.

multiple claims denied that are covered. for every time you submit a claim you have to resend medical history for every single vet visit your pet has been to in the past, Why don't they keep that on file? Then they deny it. waiting on over $1000 in reimbursement for covered claims that they are denying.

Unfortunately, I find myself following in the same footsteps of many one-star reviews. Initially, I told everyone, who would listen, how happy I was with my Embrace Pet Insurance Policy. My policy started off at $47 per month and grew rapidly from there. By year seven, my policy with the same coverage, was $225 per month. By year eight, my monthly premium increased to $425 per month, that’s a 900% increase over the starting cost. Similarly, I was told it was because of my dog’s Breed and age. However, a quick price check with Embrace’s cost on-line tool, using the exact same parameters, zip code, age, breed and exact coverage (limits and deductibles) showed a $200 per month discrepancy. So clearly, I wasn’t being charged the going rate for my dog’s breed. Embrace customer service offered me one of their step-down “accident only” policies, which I accepted. My dog had a fall while swimming; afterwards, he was experiencing limping in both front shoulders. I submitted all three of my dogs visits, from a major Veterinary Hospital in Boston, to Embrace under the “accident only policy”. The Embrace adjuster denied all three claims, she concluded his fall and shoulder pain was caused by an illness. I appealed all three claims and included a personalized note from the Senior Surgeon, who treated my dog. The surgeon concurred with his Hospital’s Ultra-Sound Department, that my dog’s pain and limping were the result of an injury to the soft tissue of his shoulders. My dog’s treatment plan was based on a soft tissue injury. The Embrace adjuster denied all three appeals and she concluded that my dog’s osteoporosis arthritis, from his rear left leg (which formed after a ACL surgery) had spread to his shoulders and caused both shoulders to limp. The Embrace adjuster overrode a Senior Boston Orthopedic Surgeon and the Imaging department of a World-Class Boston Hospital. I promptly canceled my policy, as I knew that my disappointment with Embrace would only grow from here. I promised myself that I would circle back with everyone from my colleagues at Pfizer to my social media presence, to share my disappointment with Embrace Pet Insurance.

My understanding was that more would be paid by Trupanion. I was understanding that 90% meant 90%. And eas very surprised that of the $1100 charged I was responsible for over $700