I got stuck with this company because ManyPets that I used to have left the U.S. market and my policy was sold to them. They are horrible. It is very hard to communicate, and the claims are denied for no valid reason. They also applied a cap to my used to be "unlimited" policy with ManyPets for the same premium amount. It's been a month and the claims are still in a "submitted" status. ManyPets was great, easy to communicate, and claims were processed timely. This company is a nightmare to deal with.

When I got this insurance 3 years ago I'd seen my boss have it and it only went up a few dollars. After I got it, it went from $175 to $290 a month. I increased my per diagnosis deductible to lower costs, then the next year it went from $242 to $389 a month! Like what the actual F? With that and the ridiculous per diagnosis deductible, I can't even afford to take him to the vet. Yes, they will pay the vet directly, but other than specialists and emergency, I have yet to find a vet that uses their software. I got the insurance specifically because they always charge at the age you sign them up, supposedly to keep it from increasing as they age, but mine has increased like crazy. It's much more than I paid with my last dog whose policy went up yearly as he aged. I also chose them because they pay directly, but many vets don't do that. I pay extra for coverage that's standard with most companies. With my last dog I had Healthy Paws which had a 90% reimbursement and a $100 annual deductible. I never had any issues with them and if it was a scheduled procedure, they would pay the vet directly. I left them with my new dog to avoid the annual increases, but I got screwed because trupanion has increased more than my other policy did and I had that one for around 8 years until my boy died. Now I feel like I'm stuck because anything he's been seen for or anything even mentioned, whether he had that issue or not, will be considered pre-existing. My renewal is coming up in October, and I'm terrified. All of my friends that get pets come to me for help getting insurance, and I do not even look at trupanion. The one friend in the beginning that did sign up switched when they sent her overpriced renewal notice. I'll just say, I've never had an issue getting paid, but I never once had an issue with Healthy Paws either, and it's much better paying an annual deductible than paying one every time you go to the vet for something new. That's also how they get you...if you go in for something you already paid the deductible on and they find a new issue, trupanion will make you pay a new deductible even though you already satisfied it for the reason you scheduled the visit. I have two other dogs, and they do not have trupanion. I'd be homeless if all my dogs were with them. There are so many companies that cost so much less and cover the same stuff and even more, like exam fees. If they don't do something soon, they will continue to lose people. Just for fun I priced our new dog, and trupanion cost three times more for less coverage that the other companies I looked at. They wanted $389 a month while others cost $98-$140, paid out 90%, and covered exam fees and acupuncture, etc without having to pay an extra monthly fee. DO BETTER! Stop lining your pockets with people's per diagnosis deductibles. You are literally the only company doing this. On top of that, there's not even a working app now? I just got my renewal and it's gone up 48%. Bye bye Trupanion. Spot is $146

These people will find any excuse not to cover your claim.

My premium has more than doubled in just a few years, and despite having repeated claims for the same reason, Trupanion has found ways to categorize them differently so deductibles are not met. I have gotten very little paid out despite massive premiums, and will be changing providers shortly.

they have been great right up until they doubled my premium on my 9 year old domestic medium hair cat. They say it's based on actuarial statistics and promise it's not because of any claims, but it just so happened to take place immediately at renewal after a year of claims due to hypothyroidism. regardless, to DOUBLE the monthly premium is absolutely unacceptable.

Easy to apply and ease of mind my cat can have some health insurance for no cost! Opted for 2 extras but still very affordable!

Misleading and expensive. I had signed up for my kitten's pet insurance. I have the wellness basic plan and have spent about $1,200 during 2 visits. I've received $105 back in total as that is the MAX I can get for vaccines and other procedures. To make it worse, I have a $500 deductible. ZERO DOLLARS WENT TOWARDS MY DEDUCTIBLE. I will be cancelling

I don't even know how to set this up. That being said with no one to walk me through all this, I'm probably going to cancel this very soon. On top of that you send way too many emails I don't even know which one is the right one to click on to even get started if I wanted to. Terrible company, tried to sell me like 5000 other things when I tried to call. Couldn't even get a hold of a human being. Again terrible company will never buy anything from embrace insurance ever again

Advertising for 2026 photo contest but if you follow the link there is nowhere to do it, they just want you to ask your friends to join...

Fast repayment. Prices are outrageous. 30% increase this year. Simply preposterous. Every year it’s a giant increase. How can a dog’s insurance cost more than mine