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

I've been a Trupanion member for 15 years. The coverage plan is straight forward and I had very few issues over the first decade. However, the steep rate increases over the past three years have been alarming. The justification for the inflated rates no longer lines up with rational thought and it feels like the loyal client base is now being taken advantage of, not being able to switch providers if pets have developed pre-existing conditions.

They sent my pet's prescriptions to the wrong address in the wrong city. THEN I had to pay for the prescriptions AGAIN to be sent to the correct address and still don't have them more than a month later. Additionally, I have never been able to speak to a human about any of this, just the chat bot.

I’ve been a loyal Embrace customer since 2016, and after nearly a decade of paying monthly premiums, I’m walking away extremely disappointed.

Had homeowners insurance for one year with them after purchasing a house. Once it came time for renewal (4 months prior to my coverage running out), I was asked to submit 30-40 pics of my entire house on the inside and out as well as answer an extensive list of questions related to my property. Okay, that’s fine. They took over a month to “review” everything. Then came a laundry list of the ridiculous items they were denying me renewal over, such as one singular 3ft tall vine on the side of my house that had since been removed. They claimed satellite images showed a tree over my roof. There is not. A neighboring property that sits abandoned has a tree but it does not overhang my roof. I submitted more documentation of this. Then it was that “brush” had not been maintained, which is also not on my property. The brush in question is seven feet away from my house on the abandoned property. No amount of documentation made a difference so it was a huge waste of time. It took three months to do all of this and they still denied me. I can’t speak for how they handle claims but this experience alone made me never recommend them.

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.

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

I don’t feel like they pay what they advertise

Disappointed After 16 Years – Outrageous Premium Hike

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