Trupanion is great to cover medical expences but they increase the monthly cost. Gradually they get their money back by discreetly increasing the monthly premium with excuses.I dont like insurance companies that give then take with excuses.

Embrace is a scam - they keep your "wellness" contributions if you dont' use it within the fiscal year. The wellness savings is marketing as a savings plan for your pet, but they don't give customers any warning about using the funds timely. They claimed they give customers verbal notice only of it. They not have over $200 of my money that is just for their own pockets. Cancelled my insurance with them

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.

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

I am sorry to say but you take every opportunity to not pay. Postage, consult fees of a second provider-that was a surprise. I like that you pay 90%. I don't like that you frequently make up a new diagnosis. When I joined you said the average dx was 4-5. My dog will beat that by bounds.

Very poor reimbursement rate. Many exclusions. Submitted $315 for an annual visit with vaccines and 1 antibiotic, received $60 back. Did not accept initial adoption with vaccine invoice bc it was over 3 mo deadline. Terrible value for the cost.

This is a scam. Don’t buy into their bs.

Brought my puppy in for a little temporary leg soreness making her limp. I knew it was going to cost $100+ but the one thing I could rely on was a sick visit being covered. Long story short, they declined to cover and said their 6 month orthopedic issues clause prohibits those kind of claims in the first 6 months. I knew of this clause and would have waited another month if I remotely thought they would actually stick me with this clause. Well they did. No diagnosis of anything orthopedic but I got a $160 bottle of anti inflammatories for her in the end. Between my vet and these guys, I am better off hoping whatever ails our pets just goes away. What a racket. Response: i have a puppy who was covered for five months already. No one knows about small print exclusions, you don’t advertise those. No fraud and again, I would have waited a few weeks. The law is the law and I live in a crap state. I get that. I am afraid to go to the vet now so pets will suffer unless it’s really urgent. You went from asking for notes saying she wasn’t having orthopedic issues to making me prove she doesn’t have dysplasia. I think adjusters can see based on pet age and that timeline there is no fraud here. Empower your adjusters to make decisions. We are paying for this.

Embrace won't accept your claim if you wait. I held on to my receipts from the entire year to handle all at once. They won't accept my claims from earlier in the year because my policy renewed during that time. My pets were covered during that time. They received covered services. There should be no time limit to file a claim.

They are horrible. I have sent in multiple review requests and tried to email for explanations. I have had the vet send in information, but they have not responded to any of the emails. They have been happy to take my money for absolutely nothing and IGNORE ME.