Trupanion will insure you… until they find any excuse not to.

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!!

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.

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.

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.

PREDATORY rate hikes. I’ve had insurance with them for the last 6 years, and my rate shot up from $78 to $178 this year. Their reasoning was made with baseless claims that aren’t supported by hard data, saying the rate in my area went up because pet parents were filing more claims. Even if that were the case, never has my rate risen over 100%.

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

Disappointed After 16 Years – Outrageous Premium Hike

1-YOUR PLAN IS NOT ACCEPTED AS A PAYMENT OPTION WHEN CHECKING OUT AT THE,VETERINARIAN.

When I first got insurance for my pet I got a good deal, good price good coverage but the moment my year was up. Bam $50 increase every year. No warning, by email or mail. This is ridiculous. I will differently be looking for another insurance after my pet finishes his treatment because 150monthly is crazy! for the amount of time I take him to the vet is way too much.