I have had this insurance company for over 5 years, and rates went up very minimal until this year. I was shocked to see that our rates had quadrupled this year, and reasons were various! Called to get quotes from other companies, and they were nowhere near as high, nor did they raise their prices as much as this company did.

Pyometra should be covered. Will be canceling services.

So far I sent in about $4000 in receipts and got back $25.00

After purchasing pet insurance I received an email asking for the review. Yes, my purchase experience was great, my card went through. Yet I am leaving 2 stars due to this deceptive business practice of asking for the review before any services were actually provided. If I have any insurance claim I might come back and update this.

I haven't heard anything from you yet. And you guys charge me . But haven't received any mail or email about my policy. I think I'm going to cancel you guys

I have a newly adopted dog that came from a rescue. The dog came with no known medical history. After repeatedly having digestion issues I took him to a pet emergency. Almost all of the services that were provided by the clinic were described as covered in my policy. I had to wait a whole month before the claim was processed and I was finally notified that I get $0 back. The only provided explanation was "preexisting condition."

First claim after one year as a new client. We claimed a Cardiology consult due to a cough. Pet had never had any known cardiac issues. However, buried in her many years of records was a single one time remark about a mild arrhythmia during dental anesthesia. Trupanion used this to deny us a claim. This was never mentioned in their Medical Evaluation they do in your first month with them. Honestly they must have used AI to find such a tiny detail in 11years of records. Fought them for a month on this. Even had the Vets send in statements saying this can be absolutely normal and not what they were trying to say. Trupanion stuck to their guns. So we quit them. No need to keep paying them a premium for nothing. Ended up, what they used to deny our claim wasn't even the issue. Learned our pet had cancer completely unrelated to anything cardiac. So their argument wasn't even relevant. They were so closed minded and they look for ANY reason not to cover. First and last experience with this useless company. I do not like being ripped off after being blindsided by a detail not included or mentioned in their initial 30 day medical evaluation. We had Pet Plan 10 Years before them with zero issues until they raised rates on us after being bought out. Stay away from these folks unless you start with a perfectly healthy newborn pup. They do everything they can to “connect one thing to another” and deny deny deny, accurate or not. And they mislead you with their new member Medical Evaluation. Terrible. Do not trust them.

Claims adjuster JH provided horrible customer service. I have no active claims with Embrace but was going through an appeal on pre-med history review with claims adjuster JH. I challenged her on how she could take an opposing view than my vet with over 30 years' experience with only having a few years vet tech experience. She promptly ended the phone call and now Embrace will not take my phone calls. In my opinion and my advice to others is that if you have a claim or appeal request that it not be handled by JH.

Submitted 2 wellness claims. Both repeatedly denied. Claimed invoices not paid. Not true. Submitted incorrectly. Not true. Reps were rude and dismissive. Have called 5x. Obviously reps are unable to properly do their jobs. Fetch was recommended by SPCA. I'm beyond disappointed. Will be calling SPCA. They should be affiliated with a reputable company

I feel like the max amounts that are covered for things like dentals and spays are extremely low, especially for a policy that’s $38 a month.