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.

multiple claims denied that are covered. for every time you submit a claim you have to resend medical history for every single vet visit your pet has been to in the past, Why don't they keep that on file? Then they deny it. waiting on over $1000 in reimbursement for covered claims that they are denying.

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

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.

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.

I don’t remember the representative’s name. He did tell me in the the beginning of the phone call. I was a little upset about my bill. He kept his composure. He was very patient. He listened to the last call about my bill and confirm that it was not paid. He also informed me that once my bill is paid that the rental office will get their confirmation that it was paid. He also informed me that once my bill is paid. To confirm with the representative that I will get a confirmation letter sent to my rental office. I would definitely recommend Home body rentals insurance to my friends and family. Thank you services.

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

They are horrible. I have sent in multiple review requests and tried to email for explanations. I have had the vet send in information, but they have not responded to any of the emails. They have been happy to take my money for absolutely nothing and IGNORE ME.

I’ve owned dogs my entire life and have volunteered for the Humane Society for many years. This is the first time I purchased pet insurance and I will never do it again based on my experience with Lemonade. Lemonade is by far the most disgraceful insurance company I’ve ever worked with. They will take any tiny little word out of the history of your pets health and completely turn it against you. I adopted a dog and literally purchased this insurance just days later. Because she had diarrhea after changing her from the shelter food, they immediately refused to pay for any kind of gastrointestinal issues due to newly developed IBD even a full year later. Not only that, because she’s a scared dog and had a stress related heart murmur in her very first vet visit, they would not cover arrhythmias due to a heart issue that she developed later in life. This company is a prime example of why people demonize health insurance. Their behavior is absolutely disgusting. I wouldn’t recommend them to anyone. Do not waste your time or money, this company is an ABSOLUTE DISGRACE!!!

I was misled around just how little would be covered without the Wellness plan, and now I'm left with almost thousands in vet expenses for my kitten that my insurance plan won't cover. To find out that the basic plan covers none of the costs of standard care and procedures associated with caring for a kitten by receiving a rejection notice for my insurance claim was fairly jarring and made the insurance plan feel pretty useless and parasitic. Yes, the details are within the policy document, but they're also buried within dense text, and they were not adequately explained to me when I was signing up for my plan.