I never received the prescription eyewash only the over the counter wash. . Even after contacting them several times. Did not get refund for it . Did not get refunded the expedited shipping . Had to take my pet the vet after waiting several days for the medicine they never sent

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.

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.

The system kept crashing mid claim submission. Any insurance that just conveniently crashes during a claim immediately raises flags to delay service.

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!

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.

been with healthy paws for over a year and paying for my pet's coverage. first claim i submit - and they want his medical files going back before he was rescued as a stray over 2 years ago. obviously these don't exist. basically if you have a rescue, there's no coverage. I can't believe I gave them any money. trying to cancel coverage and even that is difficult

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!

Trupanion increased monthly rates on top of having an insane deductible. I used to recommend Trupanion to all of my friends and family, and we even used it for the vet clinic I worked for the past 7 years. Since being switched from a group plan, with my previous employer, to a personal plan. The benefits are not worth it at all, having me pay even more with no coverage per each new diagnostic. I have a 13 year old Brittany named Buck and it has become increasingly hard to get anything covered. Luckily my vets are very understanding and will even go so much as to take something off the bill that Trupanion isn't going to cover. I recommend that everyone look elsewhere for pet insurance. It is not worth it anymore and seems to be a racket.

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.