This company is incredibly predatory, avoid at all costs. They use past incidents of symptoms (like vomiting and diarrhea) as an excuse to deny claims for completely unrelated conditions, and utilize a blatantly subjective review of medical records - even against veterinary standards & consensus - in order to serve the company’s best interests. Symptoms like vomiting and diarrhea can occur due to MANY different conditions, diseases, and illnesses… that’s why they’re considered SYMPTOMS and not standalone conditions. But if your pet had a single instance of vomiting OR diarrhea within the past YEAR due to something like a diet change, bacterial infection, or just eating something it’s body didn’t agree with, ANY future condition associated with EITHER symptom will be considered a “preexisting” and denied on that basis. Eg., say you took your 4 month old puppy in for vaccines and told the Vet he/she vomited the day before due to getting into the trash or a recent diet change, and then 10 months later your dog needs emergency care for something like acute gastritis, a severe allergic reaction, or poison consumption (even intestinal blockages have been denied on multiple occasions) and vomiting is one of the symptoms, Embrace WILL deny the claim because of the past documented incident of vomiting (some customers have successfully challenged denials for blockages that required surgery after a time consuming appeals process, but those claims never should’ve been denied in the first place… Embrace frequently uses initial denials as a business tactic because they know a lot of people won’t even bother to jump through all their hoops). So when I say they’re predatory, I’m NOT using that word lightly! They utilize a variety of dirty tactics to serve the company’s interests and avoid paying out their own customers. Just take a few minutes to read their BBB complaints and reviews and you’ll understand. There are far better insurance providers out there. Spot is THE best and most customer friendly company available (imo), but they’re a bit expensive. If the money’s an issue then I recommend Pets Best, their pricing is similar to Embrace but they’re LEAPS & BOUNDS better in terms of payouts and customer service. I’ve had policies with all 3 companies so my recommendations are based on personal experience.

I disliked that I was unable to update my address, even asking for help

Trupanion used to be a great company, but over the last couple of years, it’s completely changed, and not for the better. I would go as far as saying this company seems like a total scam these days. I’ve had between 5 and 9 animals insured with them at any given time for the past six years, so I’m not new to this. The premiums have steadily increased across the board, even for puppies I insured early with “locked-in” rates and no pre-existing conditions. I understand prices go up, but the increases have been steep and hard to justify. What’s really pushed me to write this review, though, is the experience I’ve had recently with one of my cats who’s been seriously ill. Over the last few months, I’ve submitted more than 20 claims related to the same illness, and most of them have either gone unanswered or been categorized in a way that requires me to meet a new deductible each time. This particular cat has a $1,000 deductible, and by constantly splitting his ongoing care into separate issues, Trupanion has effectively avoided covering the majority of his treatment. Even worse, some of these claims were denied for “missing information” despite the fact that I submitted every piece of documentation they requested—doctor’s notes, receipts, timestamps, everything. I followed up multiple times after resending the materials and still heard nothing back. At this point, I’ve received responses to maybe 5 of the claims I’ve submitted, and only a few have been paid out—neither for amounts that come close to what I’ve spent trying to keep my (young) cat alive and comfortable. This isn’t just a case of slow service. It feels like they’re actively avoiding payouts. For a company that used to be known for reliability and compassion, it’s been a shocking shift. I run a large animal rescue and used to recommend Trupanion to adopters and friends all the time. I’ve completely stopped doing that. I don’t know if there’s been a change in ownership or internal policy, but something is definitely wrong. After paying steadily rising premiums for years and only needing help now with one seriously ill animal, it’s heartbreaking to be left without support. I wouldn’t wish this experience on anyone, and I can’t in good conscience recommend Trupanion anymore.

I went through the entire sign up process and then was rejected. Which reminds me to make sure Nationwide did put anything on my card

They Would Rather Believe The Report From The Doctor OVERDOSING My Yorkie, Than The 3 Doctors Including The Specialty Emergency Hospital That Saved Her Life From Him OverDosing Than 3 OTHER DOCTORS WHO SAID SHE WAS OVERDOSED BY THAT 1 DOCTOR!!! They have Paid For Her Medication For About 12 Years, Now Has Stopped & Said They Were Wrong In Paying IT!!! What KIND Of CRAP Is THAT!!!!!

You nickle and dime your customers - even long-term customers yet raise our rates every year blaming it on veterinary charges going up. This is a joke and a scam

Many weeks to hear back on my claim. Certain explanations of denied claims didn’t make sense. When I called they sent me a form to appeal and I don’t know why the person on the phone couldn’t appeal for me. Frustrated you wouldn’t cover putting a dog to sleep when it’s required by the vet.

Never got anymore information after I paid almost $70 to start the insurance for my cat. Total rip off.

I really wanted to feel good about having Embrace as protection for my pets, but the experience has been frustrating. The claims process is slow and feels like it takes way too much effort on my end. Communication isn’t always clear, and I’ve had to follow up more than I should just to get simple answers. While the coverage itself is okay, the amount of stress and time it takes to actually use it makes me question whether it’s worth it. Pet insurance is supposed to give peace of mind, but instead it’s been another source of stress.

I’ve had Trupanion for about a year and a half, paying a high monthly premium to make sure my dog would be covered in case of emergencies. Unfortunately, when we needed them most, they completely let us down. My dog recently had to undergo emergency surgery to remove bladder stones. It was a stressful, heartbreaking situation, and the vet bill came to over $3,000. I filed the claim with Trupanion, expecting that this is exactly the type of serious, urgent medical issue pet insurance is supposed to help with. To my shock, they rejected the claim outright and provided no coverage at all. Not only was this financially devastating, but it also felt like a betrayal after faithfully paying into their plan for so long. When you’re paying top dollar every month, you expect peace of mind and support in emergencies—not excuses and denials. I would strongly caution other pet owners to think twice before trusting Trupanion. In my experience, they are not there for you when you and your pet truly need them.