I have had pet insurance for a long time, my dog finally needed to use it after years and my claim was $3,200. The insurance covered less than half of the claim. With all the money I have put into the insurance I could've paid for the whole surgery instead of paying for pet insurance.

I found out today that if your animal has an issue that requires more than 1 visit, each visit will be its own claim. So..if you have a $250 deductible, and you have each visit is under $250, than nothing is covered. Each individual visit needs to be over that for anything to be covered, even if its the same issue! So this insurance has yet to cover anything for my animals.

Submitted 3 claims over a month ago--no movement. Emailed the email address they say to write to over a week ago for assistance twice.. No reply or acknowledgement .

Horrible, do not use this company to insure your pet. They will claim that anything is a pre-existing condition in order to not pay you. A pet can vomit on 2 different occasions, and they consider it a pre-existing condition. Vomiting is a symptom of not feeling well, not a condition. Not only will they not pay the claim, they go above and beyond by saying they will extend the “vomiting exclusion” another 12 months. Look on Reddit, others have complained about this same issue with Embrace, and in some US states they’ve made it illegal for insurance companies to call a symptom a condition. I am in an appeal right now with them and will sue them if I have to…they own me over $1000. Stay away!

The vet call was just fine. It’s the amount of time. I have to wait to give my dog its medication. A week and if I wanna pay an extra $20 I can get it two days faster. It would be very easy for them to send the order of amoxicillin to the pharmacist

I have been with Trupanion for 6 years. All they do is keep raising prices and cover literally nothing. Exams, medication, surgeries, they do not cover any of it. I am not sure what they even cover at this point it keeps changing. My two cats are going up in price to be covered by $30 and $25 which is $81 and $79 and they charge my dog at $94. It’s not worth it and they are horrible to long time customers. Buyer beware!

Spent seven hours on the phone today trying to get insurance and then stumbled upon Jonathan that Guy handled me in 30 minutes. I can’t even begin to have words for him. Thank you.

So far, I have not had a particularly good experience with embrace. The review of my initial claim was exceptionally long, and while they do say it could take up to 30 days, I didn’t actually think it would take that long based on my experience with several other pet insurance companies. Then after waiting for a month, my claim was rejected based on a flawed assessment. I then had to ask my veterinarian to write a letter explaining why their assessment was incorrect. Embrace then took another two weeks to review her letter and came to the conclusion that my claim should in fact be covered. In doing so they also “found” another exclusion that they had not identified in their prior review. They indicated that they would send me payment on the claim, but did not include anything about payment of the two other claims related to the initial one. I sent a note asking them to please re-process the other two claims since the initial exclusion was lifted, and I still have not heard anything back on that or even received an acknowledgment that they received my note. Overall, I find this company to be very slow and like all insurance companies, they are always on the lookout for exclusions, even when there aren’t any that are valid.

We’ve had our dog with embrace since she was a few months old. We had a lower end plan that had a $5k yearly cap, at the time a *vanishing* healthy pet deductible of $750, and no preventative care with 70% reimbursement. Each year dealing with tolerable increases of $3-5 a month.

3 different fax # return as undeliverable, chat agent would not give any info. Due to one letter in my last name incorrect from your end. Never received refund for feline leukemia and rabies submitted in Aug.