The fecal tests that I submitted with the claim was not approved and stated as preventive. However, there is not a way to diagnost and follow up about this desease unless a fecal test is made.

We were denied coverage for our cat under the guise of his urinary blockage being part of a "pre-existing medical condition." We were under the stress of a life-threatening situation that required a multiple day hospital stay and despite that, Trupanion took less than 24 hours to provide the equivalent of a shrug and a "Not our problem."

I thought this would be an easy company to deal with, associated with USAA. Sure, they employ nice people who are helpful when you call in to dispute a claim that wasn’t covered, but get ready because you will be calling them a lot. You have be extremely specific with your claims and that involves invoices from your veterinarian. I have had 5 claims in one month rejected because the wording used in the invoice is not covered. Once the wording is changed to the specific language in the policy the claim is then covered. However it’s the same thing. I can’t claim “physical therapy” as a broad term because that may or may not include the 5 therapies covered. This is such a headache because I then have to go back to the veterinarian and beg them to change the wording on the invoice so I am refunded. What has been extremely frustrating is my veterinarian expressing her own dismay as “other insurance companies aren’t this picky.” Had I known this I would have not automatically trusted a USAA company to be the best choice. My advice is KNOW YOUR POLICY, and be able to communicate clearly to your veterinarian about what language needs to be used on an invoice. It sucks, in the face of an animal in crisis to have to think about it this way, but alas here we are.

After 12 years with healthy paws, and minimal claims submitted, they increased my monthly rate by 360%. There is nothing you can do about it. Unfortunately, I have to cancel after 12 years because $450/ month is not worth it and I'd rather put that money into a savings in the event of an emergency.

I thought because USAA partnered with Embrace that it would be an easier insurance provider to deal with, being that we are a military household. We are also overseas, as many military are, so I was not expecting the strange loopholes this company gives to overseas clients. I signed up through their website with no issues. The second I created an account, had paid for my cat's policy and filled out all of her paperwork, the website went dark. I no longer had access to it. After about a week of trying to log on, I decided to download a VPN and see if it worked from a different IP, which would be strange because it initially allowed me to use my UK IP. So now I can access my account but only through a VPN, annoying, but doable, but still confused by the switch up because of course, they work with military who are often stationed outside of the US. Fast forward to my cat dying. I am now trying to cancel my policy and there is no way via the website to do so. You must call one of the six different 1-800 numbers they have listed on their site. They ALL go to the same recording, which, when choosing option 3, to cancel my plan, it rings once and hangs up. I experienced this with every number provided on the site. There is no e-mail for customer support. There is no person to contact. How is this possible? There is no way for me to cancel my policy? I absolutely do not recommend Embrace for pet insurance. It's giving scammer vibes. Where are the people who work there and how am I supposed to contact them?

Got got our dog on 7/2, applied for pet insurance 7/3, noticed our dog was scratching his ear alot, had an infections- found out on 7/14 and my claim was denied bc it wasn’t past the 14 waiting trial! 3 days really makes a difference! When I paid the first 6 months up front!

I am disappointed in my vets attempt at putting in claims, therefore I have to wait a long time to hear back from Trupanion. When I am working with the er clinic, it’s wonderful

I have problems with digital forms vs physical forms....since that was not an offered item.. The representative who worked with me for the policy had a good document access while deciding.

I made the mistake of asking for a quote and left my e-mail address. The prices are too high and decided not to but. I keep on getting bombarded with constant e-mails and marking them as spam or blocking does not seem to work.

My insurance doubled since the time I obtained it forcing me to cancel the renewal. My dog is healthy and doesn’t have any preexisting conditions. Update to MetLife response: I tried calling two times trying to lower the price without sacrificing too much coverage. Unfortunately it makes more sense for me to switch to a different company. Too bad because otherwise I was happy (except of long claim processing times).