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.

Reply from Kanguro Insurance

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!

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 absolute worst pet insurance. AVOID at all costs. Every claim is a battle. I had 3 letters from my vet saying my dog's condition was NOT pre-existing. I had to file a claim with governmental authorities to get paid. Impossible to speak with anyone. They are the worst.

I met my deductible but had to pay for most of the charges after that and have more expense coming. At this point I am thinking it is not worth continuing.

What seemed to be a pleasant experience in my year with them, although I haven't had to claim. My experience was left with a bitter end as they don't give you the option to opt of auto renewing next year's policy! I've never known any company to do this. You have to cancel your current one 5 working days before they begin taking payments for next year's premium. Naturally this will leave you without cover for a period or you have to start your new policy earlier than planned, which is ridiculous.

I've had embrace pet insurance for years. Never had a claim...never missed a payment. Rates started going up, $80 became $130...terrible..everything's going up..I get it... my dog is now getting older now and they just increase his coverage to $336 a month, if I change to lowest coverage its $160 a month for basically no coverage. Pricing my dog out of care. They know what they just did, that's why they sent me a letter saying what they did is legal in the state of Colorado.

Negatives include: that you raise my rates every opportunity you get. You charge my full deductible for every single bump that's removed from my dog - claiming they're different types of bumps. Outrageous. A mass removal is a mass removal and should be categorized as such. While I'm grateful to get some money back on some claims (not all), I question whether paying the monthly rate plus my deductible plus getting zero reimbursement for exams, medicine, or taxes is really worth it.

I have been with Embrace for about 11 years now. I currently have 3 cats insured and I had 1 cat who has passed, who was also covered throughout her life.