They nickel and dime every single claim that is sent in. They do not reimburse 90% of the bill. They decide how much is allowable for your area then they give you that amount back. So don't expect to get back the 90% they say you get back. They will raise your premium every other year but when it comes down to paying out you need to jump through hoops. I used to recommend this company but not anymore.

Brought my puppy in for a little temporary leg soreness making her limp. I knew it was going to cost $100+ but the one thing I could rely on was a sick visit being covered. Long story short, they declined to cover and said their 6 month orthopedic issues clause prohibits those kind of claims in the first 6 months. I knew of this clause and would have waited another month if I remotely thought they would actually stick me with this clause. Well they did. No diagnosis of anything orthopedic but I got a $160 bottle of anti inflammatories for her in the end. Between my vet and these guys, I am better off hoping whatever ails our pets just goes away. What a racket. Response: i have a puppy who was covered for five months already. No one knows about small print exclusions, you don’t advertise those. No fraud and again, I would have waited a few weeks. The law is the law and I live in a crap state. I get that. I am afraid to go to the vet now so pets will suffer unless it’s really urgent. You went from asking for notes saying she wasn’t having orthopedic issues to making me prove she doesn’t have dysplasia. I think adjusters can see based on pet age and that timeline there is no fraud here. Empower your adjusters to make decisions. We are paying for this.

I am sorry to say but you take every opportunity to not pay. Postage, consult fees of a second provider-that was a surprise. I like that you pay 90%. I don't like that you frequently make up a new diagnosis. When I joined you said the average dx was 4-5. My dog will beat that by bounds.

Trupanion is great to cover medical expences but they increase the monthly cost. Gradually they get their money back by discreetly increasing the monthly premium with excuses.I dont like insurance companies that give then take with excuses.

Unfortunately, I find myself following in the same footsteps of many one-star reviews. Initially, I told everyone, who would listen, how happy I was with my Embrace Pet Insurance Policy. My policy started off at $47 per month and grew rapidly from there. By year seven, my policy with the same coverage, was $225 per month. By year eight, my monthly premium increased to $425 per month, that’s a 900% increase over the starting cost. Similarly, I was told it was because of my dog’s Breed and age. However, a quick price check with Embrace’s cost on-line tool, using the exact same parameters, zip code, age, breed and exact coverage (limits and deductibles) showed a $200 per month discrepancy. So clearly, I wasn’t being charged the going rate for my dog’s breed. Embrace customer service offered me one of their step-down “accident only” policies, which I accepted. My dog had a fall while swimming; afterwards, he was experiencing limping in both front shoulders. I submitted all three of my dogs visits, from a major Veterinary Hospital in Boston, to Embrace under the “accident only policy”. The Embrace adjuster denied all three claims, she concluded his fall and shoulder pain was caused by an illness. I appealed all three claims and included a personalized note from the Senior Surgeon, who treated my dog. The surgeon concurred with his Hospital’s Ultra-Sound Department, that my dog’s pain and limping were the result of an injury to the soft tissue of his shoulders. My dog’s treatment plan was based on a soft tissue injury. The Embrace adjuster denied all three appeals and she concluded that my dog’s osteoporosis arthritis, from his rear left leg (which formed after a ACL surgery) had spread to his shoulders and caused both shoulders to limp. The Embrace adjuster overrode a Senior Boston Orthopedic Surgeon and the Imaging department of a World-Class Boston Hospital. I promptly canceled my policy, as I knew that my disappointment with Embrace would only grow from here. I promised myself that I would circle back with everyone from my colleagues at Pfizer to my social media presence, to share my disappointment with Embrace Pet Insurance.

Very poor reimbursement rate. Many exclusions. Submitted $315 for an annual visit with vaccines and 1 antibiotic, received $60 back. Did not accept initial adoption with vaccine invoice bc it was over 3 mo deadline. Terrible value for the cost.

This is a scam. Don’t buy into their bs.

My understanding was that more would be paid by Trupanion. I was understanding that 90% meant 90%. And eas very surprised that of the $1100 charged I was responsible for over $700

Still waiting for my reimbursement for my claim. I emailed. So far no response.

My elderly parents have this insurance for their dog and they were never notified (found out when they took it out of their account)when they moved less than 60 miles that their dogs insurance went up $110 a month! That is the most ridiculous thing I have ever heard of in my life. Y’all should be ashamed of yourselves.