We have 4 dogs,who rarely get sick, are not exposed to dog parks.

I wish underwriting was faster. Once complete and we have our first appointment I can see how I like the coverage.

Very poor customer service and deceptive cancellation process. They refused to provide a refund of my renewal even though I had canceled on their site a month prior and provided them with proof of lease end. The small refund I did receive was not initially issued and I needed to reach out 3 times in order to resolve.

Reply from Trupanion

I've been with Embrace for about 5 years now to insure my 2 cats, and at first it was great. Submitting claims is easy with a quick turn around time for reimbursement. But things changed over the years as one of my cats started getting older. At this point I am most likely going to have to cancel because their prices tripled. Insuring your cats health should not cost as much as a ridiculous monthly car payment and it might just make more sense pocketing that amount and saving it to pay out of pocket for any future visits. If you have any cats that are getting older with some on-going medical issues, don't be surprised if you end up paying $5000+ a year for Embrace. There needs to be some sort of laws in place for these insurance companies to prevent them from 3x-4x'ing their prices with nothing you can do about it.

The claims process can be overly complicated. I submit claims and add info as requested "add to existing claim" but it often generates a new claim

Substantial increases with no explanation, denying coverage claiming "pre-existing" conditions when that was not the case.

Lemonade Pet Insurance has been a major disappointment. I insured my 5 year old pup, Ollie, with Nationwide Pet Insurance for years and never had an issue, claims were processed within 2–3 business days. With Lemonade, my recent claim sat for over a month before being denied due to a so called “pre-existing condition”. Their reasoning? That my dog had diarrhea before. Honestly, what dog hasn’t had diarrhea at some point? The only reason I switched to Lemonade was to save some money, but in the long run, it’s cost me more in time, stress, and uncovered expenses. I will gladly pay more and switch back to Nationwide.

I had already applied, been approved, and received my policy packet, then, less than 2 weeks later, you informed me that you had made changes, and that my policy was no longer in effect. I had to reapply, only to get the same exact coverage at $10.00 per month more. If this happens again, I will be looking for other coverage.

I love that l don't have to worry about my dogs going to the veterinarian, but the processing time is long.