They used to be super great prices were reasonable but suddenly $100 increase on one dog after my other dog passed away. The started punishing me for having used the insurance. They claim its new state writings but i call BS. My dog is 8 years old and insurance for just her is $200 a month. If i were you i would check with trupanion instead. I cant switch because my dog had pre existing conditions but if i could i would. I also will not ever use this company again for my cat or any other animal that becomes part of my family.

You need to be very cautious when signing up with this company. I canceled my policy seven months ago, but unfortunately, they have continued to charge my bank account all this time. I only noticed today. Even though it’s partly my fault for not keeping better track, I called the company back and they told me they have no record of my cancellation. I canceled this policy after paying them for nine years because whenever I needed coverage, they wouldn’t cover anything, despite me having full coverage. Your pet has to undergo surgery for them to cover even basic expenses. This feels like a huge scam, so please do not work with these people. Additionally, I would like to highlight the very poor customer service. Every time I called, it took at least three days to reach someone who could help fix my issue. Unfortunately, I found that I was never able to resolve my problem because the representatives seemed more focused on taking my money. If you encounter an issue, good luck getting it resolved.

I filed a claim a few weeks ago and got zero response

Dont cover much not pleased with this company so far

They were horrible, didn’t reimburse any of my vet bills because they said everything was pre-existing even though we never had any indication for my dogs bladder stones till I was well into my plan policy. I had three large vet bills and they didn’t want to reimburse a dime. My mistake for not reading the tons of negative reviews on Reddit for this company. Complete scam.

Would give zero stars if possible. Accident claim was denied for being prior to waiting period completion when, in fact, the waiting period had passed. I bought and paid for a year of coverage in good faith. Unfortunately this company neither understands or acts in good faith.

We adopted our dog on March 21. Since then we have paid almost $700 in monthly payments and the $250 deductible. This week, we received an email saying that a claims adjuster felt it might be "a good idea" to review Wilda's vet files. Lo and behold, he or she found two "pre-existing conditions." (I will take this up with our vet tomorrow or on the weekend.) Why did it take almost four months for Embrace to review files it got soon after we adopted Wilda Lilly? And after we had paid so much money? Now we are told that she will not receive possibly needed services... This is truly unprofessional. I am probably going to write to Embrace's CEO--as well as advising the medical director of our vet clinic to urge her staff of eight (going up when the clinic expands) to not recommend Embrace. My neighbor's dog is covered by TruPanion and has not experienced any issues like these...

It used to be quite a good pet health insurance. But lately they’ve gotten a lot slower with processing time and adding more roadblocks in having claims approved.

My cat's policy was cancelled simply because I got a new credit card — and PHI has no way to update payment information online. The only option was to call, but every time I tried, it was outside their limited business hours. As a result, I was told I had to start a new policy from scratch, pay a $40 registration fee, and that my original $36/month rate was not guaranteed. All of this could have been avoided with even the most basic online account tools, which every other modern provider offers. Customer service was unhelpful and rigid, showing no concern for retaining clients. I’ve now switched to a provider that offers proper digital support and flexibility. Would not recommend PHI Direct.

I cannot say enough negative about Trupanion. They will find any excuse not to pay a claim (and I don't make many). Dog had an ear infection and they refused to pay because they said that he had a prior record of allergies. Putting aside that the allergies to which they refer turned out to be a behavioral issue and not allergies the doctor said this was no an allergy. On medicine if I buy it CHEAPER from the doctor's online pharmacy they will not pay the shipping charge which when combined with the costs of the medicine is less than buyi9ng it from the office. Yet they prefer to pay the higher amount. They blame the DVM for their slow processing of claims. I was with Pet Plan for 10 years and they were flawless but they no longer are seemingly around. I have to imagine that most of the other underwriters are better than Trupanion. Steer clear of Trupanion.