They're customer service is great! They've never denied a claim. So far good right? Our dog got a cancer diagnosis. The claims got pretty expensive. We ate up about all the the $5000 coverage. So this year our rate went up to $6474.21. Than means to get $5000 coverage we have to spend the $500 deductible plus our 20% portion ,$1000, plus $6474.21. Full coverage from Embrace will cost us $7974.21! Response to Embrace's reply. I'm not going to go over all of the numbers. Every option I was given, increase the deductible, lower the percentage Embrace would cover or both. The bottom line is the cost of coverage will be well over $1000 more than paying for our dogs medical expenses. With that said, I realize Embrace is not in the charity business. I do feel in this case that honesty is the best policy here. Saying it makes no economic sense for me to continue using Embrace. The expense would be far greater than the coverage is worth.

One of the worst experiences…. We had them for over 2 years. Every time we tried to put anything in we could never get someone to talk with. Paid $60 per month. Nothing big with surgeries or anything but not once did the cover anything. No problem we got burned. Then we canceled n you would think they would stop charging. Nope!!!! They stop n then started hitting our card again like trash they are n probably do this to lots of people that don’t pay attention to credit cards. This is the 3rd time. Stop ripping people off… you are such a scam n I will make sure everyone knows!!! You are a scam to take advantage of our pets/family members. Typical insurance company. Trash.. stay away!!!!

The vet office used to be good now they treat you like dirt . Slow process always wanting to add more stuff ti raise price.

I had signed up for trupanion pet insurance after reading good reviews. Now my dog had a CCL rupture and needs surgery. They refused to cover ANY costs because they classified limping as a pre-existing illness. After my vet send them a lengthy letter (as seen in picture) they STILL denied coverage saying they do not cover any CCL injuries that occur within 18 MONTHS!!!!!! Absolute waste of time and money. My vet hates them too. Have cancelled my subscription.

What happened to through payroll It requested my credit card

Embrace raised my rates significantly even though I had no claims the past year. I spoke with the Embrace representative about this rate increase and they could not/would not do anything. While the customer service was great, I decided to go to another company.

They make it so difficult to make a claim! And, it was not even a big amount, $123, and it was the second time I made a claim. The claim did not even reach the deductible yet. It's been almost a month since I put my claim in. And, they kept saying my vet did not send them my dog's records, but when I called my vet, they have already sent them everything a couple of weeks ago! I have two dogs with them, and paid high premium. I called them, and they gave me a run around each time. Worse customer service ever. Thinking of terminating our policies and go with other companies!

After paying into this pet insurance for a decade, I was shocked when they raised my monthly premium to $500 for my 15-year-old dog—who, by the way, is still healthy, active, and has no major medical conditions. She walks regularly, jumps on the bed, and has only minor joint stiffness. This price increase wasn’t based on her health but on cold, statistical assumptions about senior dogs. It’s clear they’re happy to collect your money while your pet is young, but when the risk of paying out increases, they’ll price you out. It’s manipulative, unethical, and shameful. I canceled and found a new plan with solid coverage for half the cost. This company does not stand by its customers or their pets. Avoid at all costs.

I pay more just having the insurance than I do with any type of reimbursements. Recently had a $700+ vet bill for Wellness and Vaccines, I pay for a plan that helps cover these costs. I got $50 back. Shop around, I wouldn’t recommend. On top of that ridiculous refund the process took even longer than usual only to get that measly amount back.

Navigating through the website is awful. I had trouble viewing my new dog policy because the option to see it was not in plain, logical sight. Also, I’m having problems with inputting the bank info for reimbursements, which means I will need to call Embrace during a time call volumes are high.