I'm a disabled veteran that only used Embrace because USAA endorses it. These people refused to process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years send another dime to this company or refer them business.

I was transferred over from ManyPets, and assured that my dog's preexisting conditions (allergies) would be covered- both from ManyPets AND Odie, before I agreed to be transferred over. Guess what - my dog's allergy treatments are NOT covered as promised. Also - horrific customer service. Nobody answers chat, nobody answers the phone. Emails take a week or more. I had claims for 6 weeks - still unresolved after weeks of followup. I filed a Wellness claim (for flea treatment). Outstanding as of weeks. I was also told that the minute you file a Wellness claim, you are on the hook for the remainder of the year's premium - even if you try to cancel. They will take your money regardless. Stay away. What a scam.

When things go right, it's very easy, quick and simple.

They increased my dogs insurance by $75 per month. Nothing happened to my dog to justify the increase They refused to pay for a routine vaccine/wellness check. I feel they haven't been fair, my dog is older but very healthy.

I love Trupanion‘s Customer Service, I love the expedited payment process, that being said, I am extremely displeased with how Trupanion has changed their policy on covering exam fees. When you take your pet to a specialty hospital, the exam fees are astronomical. I just paid over $800 in exam fees alone. None, of which were reimbursed. This does not way favorably on Trupanion‘s behalf. Trupanion says that exam fees are “routine fees“ and can be planned for. I disagree totally. I have a 90% deductible. I pay $200 a month for coverage for two pets. Coming out of my pocket for 800+ dollars for an EMERGENCY Visit is not routine, nor can it be planned for. I truly wish Trupanion would reconsider the decision about exam fees. Veterinarians keep raising their prices, and it makes it more and more a major part of the bill.

They do not insure people who own German Shepards. There is not one bad thing about my dog and he is not even remotely aggressive but because of his breed they declined to insure me…..

The price for the insurance plan I have has gone up so much that it is ridiculous! For what you charge, you should reimburse me within one to two business days. Sometimes I have to wait several weeks and that is not acceptable!

I've had Lemonade Pet Insurance for 3 years. In that time I've never needed to file a claim (a good thing!) until now. When my policy is up, I'll be looking for pet insurance elsewhere.

I submitted my invoice via Trupanion. I waited for a response and when I finally got one it was that my claim was denied. When I spoke to a rep via phone I was told my documents were never received and the documents were received were completely dark. I submitted the invoice thought the clinic and was instantly approved. The other problem I have was the total was 1,930. My deductible is $800 and you all are paying 900. I was never told why the additional amount was covered and when I called I was told it was the exam charge. When I told the exam was waived and indicated in the final invoice I was given the run around. While I’m grateful trupanion paid some money. It doe feel like I was treated like a number. I would have an appreciated someone calling me to tell me what was missing or what was approved and what was denied and why.

Company denies hip chew claim that recommend and that is covered. Don't use met life they deny everything.