Waste of money & waste of time. We've been customers for almost a year. Every claim we submitted, they found some excuse or reason as to why it wasn't covered. They push every veterinary medical expense to be uncovered. What's the point in pet insurance if you're not going to cover anything, especially in a business where they over-charge at a criminal rate on people who are just trying to help their pets live healthy. It's insane. Complete scam, just trying to take your money. Canceled our membership for our 6 pets today. Lost complete faith in this company.

I've been unable to find a vet or animal care center in TULSA that accepts your coverage.

I bought this pet insurance when my puppy was about 13 weeks w no pre-existing conditions. One year later, that’s still true. Although the premium was almost double comparable insurers, it seemed worth it, because the TRUPANION PROMISE is your rate will never increase with the dog’s age!! Now for the BAIT & SWITCH!! After 1 year, my pet insurance jumped from $114/mo (pretty expensive!) to $148/ mo! A 30% INCREASE AFTER ONE YEAR! When I called, the rep explained that rates still increase each year, just not because of the dog’s age. 30%? The US inflation rate in that time increased 1.9%. Trupanion told me that “possible yearly increases” are explained in the contract - true, but the 30% increase is 15X the US inflation rate. The original sales rep I signed on with NEVER indicated that ANY price increase was possible! BUYER BEWARE!!

It's probably best that you don't ask me for a review after you've sent me an automated message telling me that you've denied my appeal of your denial of my claim. I made a case that would stand up in court--but the appeal was not only denied--but denied by a machine, not a human being. My dog is suffering. His vet prescribed physical therapy in November (it's May now, BTW)--and we went to one of the few places in Chicago. Our claims were denied because there wasn't a vet on site. So, I then took him to a place with two vets on site. One of them prescribed Rune's treatment plan. The first treatment session was partially approved (they refuse to cover manual manipulation, which is necessary to determine the dog's condition). But his next treatment visit was denied because it was not performed nor directly supervised by the vet (the vets don't....do that; physical therapists do. They didn't directly supervise his first visit either, which they covered). I've had to hold off treatment while I've been waiting for my appeals to go through--and my dog is shaking. He may need surgery now--so I hope Embrace enjoys paying for that.

I adopted my latest shelter dog in August 2024, needless to say she was a mess and the vet noted she would benefit for some anti-anxiety meds as needed to settle her, due to her trauma of long distance transport (24 hours in a crate). This was in September 2024 After some behavior training that was working along with the first "short term" antianxiety, the vet advised switching her to long term therapy, this was October, same month that I applied for insurance which occured AFTER the insurance kicked in. Now because she had the short-term therapy as needed (the firs med is only given as needed) first, to get her settled in, the long-term therapy is now considered a "preexisting" condition. Wow, Nationwide, seems a bit slight of hand to me and quite frankly, considering it is 10.00 a month that you will not reimburse, tells me all I need to know about how much you "care". I will be dropping you ASAP. Apparently Nation wide is NOT on your side.

The coverage I signed up for is not what I have coverage for. Make it make sense. Why would I sign up for injury/illness and not wellness. I only signed up so I could have her wellness coverage since shots and meds are not cheap. I added the injury/illness because before insurance my dog ate somethings she shouldn't have. So, I decided to pay extra to add it. I filed my claims and now they tell me I Don't have wellness.

They cover nothing! My dog has Lyme disease and I was declined the testing

Purchased a policy last year for our 2 year old dog. Had first wellness visit and process went well, got reimbursed for the qualified amount fairly fast. This year we were notified by our vet that it was time for wellness so we booked based on our available schedule between business trips. Well, turns out the appointment was 1 day earlier than last year, so Embrace denied the claim saying the "new policy" hadn't started (even though it was submitted 2 months after the fact and we had a recurring policy). They used the exact 365 days instead of having any sort of flexibility to the fact it was a year later, which is not feasible when trying to schedule appointments around work. I asked if they had an exception process given we were talking only a single day, and they said they make no exceptions for any reason. Beware that they have ZERO flexibility and will hold to the letter of everything without any exceptions. I explained I intended to be a customer for years with current pets and future, but they had no interest in keeping me as a customer. All due to a 1 day difference in the appointment.

I spoke with an insurance lady on the phone. She was very eager to get my business. And was very energetic and excited and gave me a lot of information. I signed up. Then I tried to set up my account and I was having a hard time, I called her and asked her to call me back and I never heard back from her. I found that disappointing.

I read the entire policy and website before signing up. I even read their sample policy. After signing up, I tried to get a copy of the orthopedic report card only to find out that they no longer accept it despite what the website and policy state. Rest assured I'll be filing a lawsuit if something happens to my dog before I can switch him to a better company. If they can't even follow their own policy or website, you definitely can't trust these guys. I'll be filing a bbb complaint as well. Go elsewhere.