Every attempt to upload my invoices went wrong. The site would not allow any uploads continually messaged to email the invoices. I wonder if they want them under seperate cover for each

I pay almost a 1k a year for coverage - but most time they deny everything. Beware - even if you vet notes a tear they won't cover anything eye related, they didn't cover the annual teeth cleaning (I pay extra for the wellness benefit), I forgot to upload before 3 months of incident - denied. Super unhelpful, hard to cancel.

If I could give Trupanion zero stars I would. They consider everything to be preexisting, no matter what the situation is. They do whatever they can to not have to cover your pets medical condition. My dog was dehydrated at one point years ago, he now has kidney failure and they are saying because he was dehydrated years ago that this is preexisting. He was a puppy running around playing & drinking water…This company is a complete rip off, they do not care about the pets lives, or their medical conditions. All they care about is appearing as a company that cares when in realty they will do whatever they can to not cover a single thing. Awful company, would never recommend them anyone.

They sure don't tell you they're going to keep all of your money for the deductible. There really is no reimbursement it's a crock.

It's not so much of what embrace did wrong as much as it is that getting pet insurance is a big waste of money. first of all, you get pet insurance in case of an emergency and you don't have cash at hand, correct? well you have pet insurance you pay all those premiums and everything and still during an emergency they don't cover it they pay you back so you still need cash on hand for any emergency, that doesn't make no sense. Me and my boyfriend aren't worried about getting paid back for paying for vet bills we are just interested in pet insurance just in case there was no money in our animal got hurt so I don't suggest pet insurance to anybody, I just decided to take everything that I would put towards pet insurance every month and put it away in a jar or something cuz then in an emergency I'll have that which would help but pet insurance does not help, so would I recommend pet insurance to anybody I would not I would tell them absolutely waste of money

My claim got canceled without my knowledge. Not only that, these people is saying that I canceled it....

The worst experience we've had with a service provider of any kind. The web site is set up to mislead you on your insurance choices and is not clear. Regular vet exams should not be the same as an emergency visit, but both are declined as being the same thing. The site is clunky and hard to navigate and don't expect claims to be settled in your favor. Save yourself our incredibly frustrating experience and don't waste your money here.

I have been an Embrace pet insurance client for at least 8 years or more and never filed a claim. Just got my new renewal and they almost doubled it. I cancelled it and took 5 thousand out of savings and put it in a savings revocable trust for medical care for my cat. I'll be my own insurance company. Insurance companies need to be regulated - they have gotten way out of hand.

I put in a claim they denied it saying it was precisiting as of 11/22/24 and guess what?, that was the 1st vet visit for my cat since becoming a member and it was after the allotted grave period by 2 days so I cammed them and the rep said I would have to talk to someone in billing and he transferd me then I left a voicemail and here it is several days later and still no call back yet they didn't hold back taking the 2 cats monthly fee this morning. So I will probably be canceling membership in 30 days before another payment is ran for either of my cats.

It takes very long to see your money deposited in your account. You must keep an eye that what gets approve gets deposited and they also make it difficult to cross reference the deposit since they dont give you initial claim and cover claim information in your deposit ( intentionally) i wish there was more transparency to recommend to others. The higher ups are aware but EE are not too aware this is done intentionally in my opinion.