I've been with Embrace for about 5 years now to insure my 2 cats, and at first it was great. Submitting claims is easy with a quick turn around time for reimbursement. But things changed over the years as one of my cats started getting older. At this point I am most likely going to have to cancel because their prices tripled. Insuring your cats health should not cost as much as a ridiculous monthly car payment and it might just make more sense pocketing that amount and saving it to pay out of pocket for any future visits. If you have any cats that are getting older with some on-going medical issues, don't be surprised if you end up paying $5000+ a year for Embrace. There needs to be some sort of laws in place for these insurance companies to prevent them from 3x-4x'ing their prices with nothing you can do about it.

We have 4 dogs,who rarely get sick, are not exposed to dog parks.

I tried to cancel my policy. I was transferred to the adjuster who then hung up.

The claims process can be overly complicated. I submit claims and add info as requested "add to existing claim" but it often generates a new claim

I wish underwriting was faster. Once complete and we have our first appointment I can see how I like the coverage.

Substantial increases with no explanation, denying coverage claiming "pre-existing" conditions when that was not the case.

Getting claims mixed up between my dogs, taking a while to get reimbursement, asking me to answer questions way beyond the need to prove I was correct to submit a claim for reimbursement. Your claims page is too confusing - and your emails regarding a claim has been approved should name the dog and their policy number.

Length of time to have claim worked is much longer than what is quoted on the website when submitting a claim. I have had to wait sometimes 3+ weeks to have them worked completely.

There have been several times a deductible was charged to my account that should not have been. I’ve also seen procedures listed on Trupanion’s invoices that were not correct. There have been many times I have had to wait for a payment to be processed. Also, I have to wait tooooo long for a correction to be resolved.

I love that l don't have to worry about my dogs going to the veterinarian, but the processing time is long.