Very poor customer service. I have called multiple times in the past two weeks regarding changing my form of payment after Trupanion website denied my credit card information multiple times. I was told to check with credit card company etc. which I did - no issue there. I have been promised a call back from a supervisor many times. No call back or resolution for 2 weeks. My dog is almost 15 years old and I have paid thousands in premiums over the years. Current premium is $245/mo. I expect far better service from a company that has taken in thousands of dollars from me with very few claims paid out.

SCAM ALERT!!! Beware of this company and their deceptive sales practices! I got a coupon code for a month's free service to try it out, called gave them the code and the person said great let's set you up! Went through the sign-up, and at no time was told that the code would not be honored. They ended up billing me for the first month and refused to refund the charges. I cancelled the policy - if they won't honor their promotion how can I trust they will honor any claims? Clearly a shady business, stay clear of them! UPDATE: They applied a DIFFERENT coupon code with a different benefit - not the first month free I had presented - and did not tell me that the benefit was different and they were charging me for the first month. They apparently have a recording of the call which would make all of this quite evident In fact, even after canceling my policy they are still charging me me! See attached screenshots. This is a deeply dishonest company racking up charges they hope they can get away with, and making people fight to dispute their fraudulent charges.

I’ve been with ASPCA never a problem I made typo on percentage return they didn’t want to make the correction because they would have to re submit policy sorry for your inconvenience Customer Service and was told to change it next year for re enrollment 😵😫😱

I just canceled after wasting $85/mo times three years times two dogs! We got our dogs from the pound and on of their vet visits noted some tartar. One dog needs a tooth extraction - due to a cracked tooth - not tartar. Claim denied. $1300 bill to be paid. Hmmm. Pretty much the same amount that I’ve paid, rather given, to this company for one dog. Do yourself a favor. Look at reviews on other sites.

This insurance is a scam. We signed up within a couple days of adopting our two new kittens. They tell you to take them in for a wellness exam within a week or two after you adopt. We did that. This exam was, of course, within the waiting period. Fine, we paid for it out of pocket and didn't submit anything. One of the kittens had started having diarrhea so they did a fecal test just in case it wasn't just the stress of the move and food changes. It came back negative and our vet said to just give it a little time. Everything else checked out well with both cats--happy and healthy. Then a month later diarrhea is back and bad so we go back to see why. They do a PCR fecal test and some bloodwork. But because diarrhea was mentioned in her first appointment, now they consider it a pre-existing condition and cannot be covered. Imagine that, a kitten with diarrhea, as if that is rare. Now I have paid over $1,000 out of pocket and none of it is covered, or even goes even toward my deductible. I have to pay for insurance that doesn't cover anything that might be in any way tied to GI or diarrhea for another 6 months before they "might" not consider it a pre-existing condition anymore.

There's nothing particularly bad about embrace, but there's also nothing good about them. They're an insurance company which is inherently a crappy service that makes its money by delivering the bare minimum of what you're paying for and doing everything in their power to weasel out of doing even that. I've had thousands in vet bills for an elderly dog in the last year and this policy is still barely paying me a dime back of what I've paid into it.

Please beware on the dream they sale that they care about your dog and really listen and take information and are reasonable when approval or denial. FALSE. The first two people were “helpful” and seemed caring. When inquiring why claim was denied gloves are off. I asked clearly is there an actual diagnosis from any doctor on my pets medical records, no. So how can this be existing? We need to test done to know if there is anything. I asked a lot of questions before signing up and I def feel deceived by the information given and what’s actually happened. I’m just trying to give my sweet boy the best thinking getting him covered would help that. False.

I've had my cat covered for 11 years and in that time my premiums have tripled without a single claim. She's been healthy the whole time and yet it went from $50 to $150 per month. Save your money and put your premiums in a savings account, at least then you'll have the money for your pet when needed and the savings account won't deny your claim based on some bs loophole they use to deny claims.

I don’t know how Embrace got more than 1 star. Be sure to purchase some type of routine care coverage; filed 3 claims and got $Nothing. Just be sure what you are buying.

You can’t get anything preapproved. My dog had an accident in the fires. He had a really bad limp. We have had insurance 3 months now. They denied my dogs X-rays bc it was a ccl. How were we suppose to know. So basically they told me i had to wait 6 months. I get for the surgery but they should have covered the x ray. They said they wouldn’t cover it bc it was related to a ccl. Worst insurance ever