Please don’t use this company.

If I could give zero stars I would. They denied every claim stating they were pre existing conditions and I have proof from the vet that they are not and they still will not reimburse. Filed a complaint with the BBB. I wish I had never purchased this insurance. I had Nationwide previously with another dog and they were wonderful. I was really disappointed because I had heard such great things about this company on social media should have just stuck to what I knew.

I have had my two dogs with Trupanion for several years. In the last 2 yrs my premiums have increased overall by just shy of 70%! Based on my most recent claims experience, I will be cancelling my policies at the end of this month. I have a $200 deductible and 90% coverage and in the few (2) claims I have needed they have fallen short of my expectations. Most recent claim for cracked teeth requiring extraction estimated at $2000, of which Trupanion only will cover $900. Trupanion does not make my policy document available to read via mobile website and SURPRISE! they won’t cover all of the anesthesiology scope (only half) because the Vet included a cleaning in the estimate scope. Buried in the vague, generalist info the policy says you may be prorated for certain scope. So, now, based on the principle of the situation, I have spoken to my Vet and she is quite surprised and is willing to remove the cleaning (Tooth prophylaxis, polishing and fluoride). This is the only way Trupanion will pay the full $638 for the anesthesiology in full. I have spoken to multiple managers (Boomer (yes, that’s actually his name! And Aaron) to no avail. These managers consistently tell you your only recourse is to increase your deductible so you’ll pay less per month. This would just shift the risk back to me. I have pleaded with them to embrace a culture of customer SATISFACTION in their business model. There is no interest in measuring, nor following up on customer satisfaction in any instance. Annually, I receive and email outlining the consistent increase in my policies stating that although my dog will not be discriminated by age or claim volume. One minor claim prior. Apparently my postal code region in rural Nova Scotia is a hotbed of Vet price increases (although my bills for wellness have shown otherwise) and there are many “unlucky” pets out here who are subsidizing the costs of “lucky” pets. This is their explanation: my dog is “unlucky”, yet there have only been now 2 claims in more than 8 years with a 70% increase in premium. Do yourself a favour - take the advice of Consumer Reports. There isn’t a single pet insurance company they will recommend. Not one! I’m putting my $140 every month from now on in a tax free savings account. I encourage you to look at Trupanion’s company balance sheet to see where they stand: Q1 2025 - operating at a loss. Q2 likely the same (Aug 7th earnings call). Company CEO and COO are selling their company shares a lot this year - CEO Margaret Tooth sold ~15000 shares alone! She seems to be anticipating a drop in share price with Q2 earnings announcement. Wait and see and steer clear of this stagnating company.

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.

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.

Filing the claim was easy & fast. Our account now has upper limit for reimbursement. This claim was for >$9,000 to cover tests that diagnosed Chumley with terminal pancreatic cancer. I believe Embrace will reimburse us the balance of his available coverage, about $400. We will have to rethink renewing our Embrace Insurance.

Your pricing definitely wasn’t clear and your customer support wasn’t helpful. We had an emergency and expected a lot more of you and only saved a small portion. It’s not worth the premiums I pay every month.

I submitted an initial claim by email on July 15th for two visits. Their website says most claims are processed with 5-10 day with some taking longer. After about 10 days I received word that some of the documentation was unreadable so I resubmitted using the documents using their app. On July 29th I submitted A 2ND CLAIM for additional expenses through email. Checking their website I saw that all the documents have now been lumped into ONE CLAIM. This was confirmed by the customer rep I spoke with. She additionally said that I could be waiting for 30 days for payment of the TWO claims. Their processing time is not what they say and has been getting long through the years.

Dont cover much not pleased with this company so far

Save your money, for what the premiums are and what they actually pay, you are better off putting that monthly premium aside to cover future care, you are going to have to pay it anyway, because the coverage is awful.