There rates start out good when your dog is young healthy, then watch out it goes crazy high there plan is to get you to reduce your reimburstment and up your deductible. I have put in as few claims maybe most I got from them 5000 or 6000 in 10 years Ive been paying more out of pocket then putting in claims to keep his cost down but just now they raises in back to 279 plus my 1000 deductible I have a 70% reimburstment had to lower it to 50% stay away

I did not feel like you wanted to take care of me. I got stuck in a pissing contest between two employees I don't know maybe they make commission? Not really my problem the person that helped me when I called in to set things up really didn't want to talk about my original quote or answer any questions. The first person I spoke with who seemed so eager to help dropped me like a hot potato when he found out I had already taken care of it when I asked him a question he said he would transfer me to the person who had set up the account this made me angry and it made me feel bad. The person who ended up finishing up the accounts would ask questions and when I answered them he wanted minimal info didn't care to hear about my pets not a good look when you are selling insurance for pets... finally someone contacted my vet and asked for one of my pets full medical record without asking me about it first I did not like that the record was emailed to me ... now I understand why you may need it and would be fine getting it for you... but doing this without my knowledge is not ok... it has left a bad taste in my mouth and I am quite honestly really thing hard about canceling and going with a different provider who understands that it's is not what you said that made me angry it is the way you made me feel my pets are my life I own a service dog and he was not cheep he deserves only the best and unfortunately I don't think that is you.

I have had Trupanion for my pets for over 10 years, and more and more recently claims are being denied that should be covered.

We adopted our dog on March 21. Since then we have paid almost $700 in monthly payments and the $250 deductible. This week, we received an email saying that a claims adjuster felt it might be "a good idea" to review Wilda's vet files. Lo and behold, he or she found two "pre-existing conditions." (I will take this up with our vet tomorrow or on the weekend.) Why did it take almost four months for Embrace to review files it got soon after we adopted Wilda Lilly? And after we had paid so much money? Now we are told that she will not receive possibly needed services... This is truly unprofessional. I am probably going to write to Embrace's CEO--as well as advising the medical director of our vet clinic to urge her staff of eight (going up when the clinic expands) to not recommend Embrace. My neighbor's dog is covered by TruPanion and has not experienced any issues like these...

My husband paid them for over two years and when he actually had an event they used every excuse not to pay him even though his event was covered. They are scammers! Even when we proved they were wrong, they would come up with another reason. Donot use this unaccredited company!

My labradoodle is 7 1/2 yrs old. And his premium doubled in price from last year to this year. Not very happy. Called Embrace and explained to them that this is a lot. They said because claims by everyone is being filed that we all take the hit. Not right. My other labradoodle uses another company. Premium is cheaper and her coverage is better than my dog on Embrace. There should be rules or laws about taking pet owners to the cleaners because others are filing claims. Why should I pay because of that. Won’t use them for any other pet because of this reason.

I submitted an initial claim by email on July 15th for two visits. Their website says most claims are processed with 5-10 day with some taking longer. After about 10 days I received word that some of the documentation was unreadable so I resubmitted using the documents using their app. On July 29th I submitted A 2ND CLAIM for additional expenses through email. Checking their website I saw that all the documents have now been lumped into ONE CLAIM. This was confirmed by the customer rep I spoke with. She additionally said that I could be waiting for 30 days for payment of the TWO claims. Their processing time is not what they say and has been getting long through the years.

Filing the claim was easy & fast. Our account now has upper limit for reimbursement. This claim was for >$9,000 to cover tests that diagnosed Chumley with terminal pancreatic cancer. I believe Embrace will reimburse us the balance of his available coverage, about $400. We will have to rethink renewing our Embrace Insurance.

They were horrible, didn’t reimburse any of my vet bills because they said everything was pre-existing even though we never had any indication for my dogs bladder stones till I was well into my plan policy. I had three large vet bills and they didn’t want to reimburse a dime. My mistake for not reading the tons of negative reviews on Reddit for this company. Complete scam.

I filed a claim a few weeks ago and got zero response