Every issue has a deductible. What you pay is not what the Vet charges.

I strongly do not recommend Embrace Pet Insurance. We paid premiums expecting coverage for our pets, but when we filed our claims, all were denied. Both our family veterinarian and a veterinary specialist provided written letters confirming that the injuries were not pre-existing conditions, yet the company still refused coverage.

why claims take 30plus days from submission to authorization [and longer to pay] is beyond comprehension. and why embrace won't allow providers to file the claims directly is also beyond comprehension [except that they are counting on the insured to not file claims at all or not timely].

It should never take 3 months for a reimbursement! I was asked multiple times to send prior vet visits which I did and my vets did as well but clearly no one was paying attention.

Here’s my experience with Trupanion:

Going with Trupanion has been one of the biggest mistakes. We have 2 Boston terriers in our policy for the last 5 years and we may as well have thrown our money in the toilet rather then had our insurance with trupanion. First off, when you call to sign up they literally try to tell you everything is covered aside from pre-existing conditions.... But just wait, cause soon you will find that anytime you have to submit an invoice, they come back trying to prove that it is pre-existing. Even when your vet calls them to tell them its not. Secondly, yearly fees jump up so much! My house and car insurance don't go up as much as they try and increase the coverage on our pets. we are talking on average 22-27% per year in increases. And all they can tell you is that" risk factors go up, would you like to increase your deductible to make things more affordable?" Yeah sure, get the deductibles so high that you guys never have to pay anything out...

Processing claims takes forever and you have to call and get a customer service rep on the phone. However after all that I did get my reimbursement.

The care about dogs

I am new to trupanion but reviews and referrals were important and helped me decide on joining, I just would like to ad that as a senior on a limited income, reducing our rates would be appreciated and welcomed.

If you dog ever got sick with something as minor as an ear infection prior to getting insurance they will never cover it in the future and will extend it to not cover anything mildly close to that condition. Scam insurance. My dog had an ear infection and now they wont cover the insurance for an issue with its paw that the dog stepped in something. Unbelievable.