I’ve been with this company for almost 14 years. Over that period The rates have gone up grammatically. The few times that I really needed this company to be there for me They failed miserable. They have more loopholes for not paying out and you could imagine and when they do pay out, it’s a small fraction. You will be so much better off putting half of the money in a bank over the years that you would payed them. And you will have more than enough to cover any emergency. They also drop you at 14 years. They make millions of this scam.

Tru panion has been there for me and Lil' Dolly from the beginning. I highly recommend and trust tru panion for my pets needs and insurance.

I thought after I paid $500 out-of-pocket, especially for ear infections which has been an issue for her then it would be a 90% pay off after that I guess I was wrong please explain

I signed up for Trupanion’s free 30-day trial after receiving multiple reminders, thinking it couldn’t hurt to try.

Gave them all my personal information. Just for them to tell me right after we can't insure your car. With a perfect driving record

This company is a rip off. I sent four years of vet. Bills and talked to three different people. Every time I called they had a different excuse for not paying me. The Vet. And I both sent records. Now they are saying they need proof I paid the bills. Do you know any Vet, that would continue to treat your dog for 4 years if you’re not paying at time of service? I don’t! So I asked if the Vet. could send something saying I don’t owe them a dime but still not good enough. DO NOT WASTE YOUR MONEY WITH THIS HORRIBLE COMPANY!

This insurance company is a scam. My pet was scheduled for a dental cleaning. However, the vet discovered he had severe gingivitis when prepping him for the cleaning and he needed 16 teeth pulled. Filed a claim with Embrace and it was our first claim ever with this company ever since we insured the pet 4 years ago. Every year the policy price keeps climbing, but they outright denied our 2k dental bill because they blamed the vet for only coded the bill as “wellness”. I asked customer service on the phone why the claim was denied, and Cassie told me I should go blame my vet because they refused to break down the bill on how much of it was dental cleaning. I asked Cassie how much cleaning does she think my pet needed done when he had 16 teeth pulled. And she kept telling me there is nothing they can do and to call the vet. Do not recommend.

My experience was excellent.

Beware of this Pet Insurance Policy - Misrepresentation

If you’re going to require a call in order to cancel a policy; something that can be easily accomplished through a button in the app, you should be willing to staff your call center. Customer service has been ridiculously bad and the coverage is not good for what they charge.