I like the customer service very friendly. I dislike the time frame for getting a reimbursement if any. I dislike the amount you get back for reimbursement. I have upgraded my policy and my reimbursement is still not good.

Cheaper than most

I adopted a puppy in May and brought him to his adopted puppy exam 5 days later. At the puppy's first pet visit at checkout, I was advised to set up a pet insurance policy so to cover any sick conditions. On that pet exam report, vet notated bumps on his paws and wrote a prescription for medicated shampoo as a preventative measure. 4 hours after the vet visit but still on the same day, I enrolled and paid for a Trupanion policy as there was an incentive to waive the 30-day waiting period. I uploaded my invoice as requested. Trupanion has denied the claim b/c it is deeming the skin bumps a "pre-existing condition". Since the report noted that I noticed bumps on his leg one day prior to the exam, Trupanion is relying on my statement as pre-existing condition. I'm not a licensed vet so in short, what Trupanion is telling dog owners is that any noted observations to the vet will be deemed as a pre-existing condition, and therefore all future claims will be denied. Initially I was spreading the word how excited I was to find a pet insurance policy that pays a lifetime deductible rather than an annual deductible. After my experience this afternoon, I am reaching out to my dog park friends advising them of my Trupanion experience and to stay away from Trupanion.

Too expensive and not enough coverage, I will be looking for a more valuable plan for next year.

I’ve been a loyal Embrace customer since 2016, and after nearly a decade of paying monthly premiums, I’m walking away extremely disappointed. First off, the recent price increase was never discussed, just suddenly pushed onto my account. After nearly 9 years of loyalty and barely using the coverage, I wasn’t even offered a loyalty discount, a downgrade option, or anything to help keep my policy affordable. Just a higher bill. Even worse, when I decided to cancel my policy, I was given a minimal refund on my Wellness Rewards, despite not using a single dollar of the $250 annual benefit this year. I was refunded only $9.22 how does that even make sense? As for my claims? I submitted only 3 in 9 years, and not one was ever reimbursed because I didn’t meet the annual deductible. So, not only did I pay every month, I also ended up paying out of pocket for every vet visit. In the end, I got nothing in return but rising costs and frustrating customer service. This company truly let me down. What hurts most is that after so many years, I expected at least a little effort to keep me as a customer, but instead, I felt ignored, undervalued, and betrayed. I can’t recommend Embrace to anyone looking for real support and fairness.

Expensive. Got rid of app. Vet doesn't want to take the time to submit claims.

Trupanion will insure you… until they find any excuse not to. They’ll use any past abnormality — no matter how small — to deny future claims. It doesn’t need to be related. It just needs to exist

I have tried to do two claims and pumpkin keeps asking additional information. The vet clinic gave everything, and I uploaded, but the process is very cumbersome and not at all friendly as promised. I am thinking about changing insurance. Update: Some of my claims were denied, so for those thinking about this service please spare yourself a bad experience. I am definitely cancelling and moving to another service.

I have submitted my pet's records multiple times to Embrace and so has my vet. I keep getting messages that I have to resend them and that my claims are on hold until my vet and myself resubmit the invoices. I have met other people that have Embrace and they never had this issue. My vet clinic is surprised also, as they submit many claims to them as well.

DO NOT GET THIS INSURANCE! ITS A WASTE OF MONEY! If I could give 0 stars I would. We submitted a claim for my dog and they took OVER A MONTH to get back in contact with us, the only reason they did was because we continued to call with rarely having our phone calls even answered. After waiting this whole time they kept giving us the run around and then told us they wouldn’t be giving us any money that we spent at the vet and claimed with them. They wasted our time and money and took advantage of our business. We canceled immediately and I will be sure to let all of my friends and family know not to get this insurance!!