I took my dog in for his yearly checkup and the cost for shots etc was $394.00. I had the wellness benefit so assumed Embrace would cover minus the deductible. My claim was denied because the service was on July 11, 2025 and the policy renewal wasn’t until 10 days later. I have been payjng my policy premiums monthly since the inception of my policy. I called Customer Service and was told because the service was before the renewal date that I had met my Wellness Benefit and would not receive my benefit.

I wanted the same coverage for both of my kittens and that is not what happened. Waiting fir customer service help still.

They charge almost $40 a month and don’t cover a dime for any vet visit even though it should be covered. They are such a scam do not get them!

Trupanion is fine... sometimes. Over the past two years it appears they are desperately trying to not pay claims. In particular, recurrent health issues with your pet are becoming a challenge. This is because the claims specialists "tag" each claim. This is done manually, and often has significant error. As such, you wind up paying deductibles multiple times. Trupanion isn't particularly helpful on this issue. They explain that they "cannot initiate appeals" legally, but are unable to answer why this is a legal requirement when pressed. Moreover, they put the onus on the customer to try to link together all records (which are in their claim system already), populate an extensive form, etc. It appears that Trupanion is trying to leverage this tactic to make it a highly manual and labor intensive process, making the customer "give up" in the process. I'm also surprised that Trupanion is one of the few companies where I do not see a NPS question after an interaction or are offered the opportunity for a survey. I used to highly recommend Trupanion, but now I would say to avoid and consider other options.

Trupanion was wonderful. I was a little disappointed that I still had to pay for most of the event bill even though I have the 90% plan it’s all the little hidden cost, but it was easy to use and friendly staff when I called.

If I could give zero stars, I would. I have had a policy with Embrace Pet insurance for more than two years, at a cost of $85.79, for a total of more than $2,000. They have turned down both of my invoices for reimbursement for timing reasons, which is absurd. They first requested documents which both I and my vet provided multiple times, dragging the process out for months. They decided that they no longer accept JPEGs or DropBox files somewhere during those weeks. DO NOT EVER USE EMBRACE, unless you want to be effed.

It s simply a scam. I been paying ASPCA many years for my doberman as a preventive measure for when my dog gets old and need veterinary care and what happened is that when she turned 11 the monthly payment was raised to 292.53 dollars and when she turned 12 years the monthly payment was raised to 469,86 dollars. I started years before for less than 80 dollars. I been forced to cancel the insurance before she passed away because the total amount covered was less than the cost of the year. If you are thinking to take the insurance for use it when you will need it most think it twice.

I already spoke to customer service as me tioned below and no help. I started a plan for my senior dog for 125 per month. I received NO communications about this policy and thought policy expired. Instead I came to find they had continued to charge me AND STARTED CHARGING 250 monthly. There is a years worth of charges totalling 3000!!! That kind of money is more than enough to cry about. I never filed a single claim as I though it was cancelled. I spoke to customer service - they offered zero refund. A rich company scamming. Trust broken.

insurance is needed for those times when there is really an issue with our pets, however Pets Best is SLOW to respond when they will pay for insured coverage and very FAST when when they don't have to pay. I sent in several claims same day; on those claims they did not pay, they responded within 3 days stating the coverage will be applied to deductible; however one claim that would be covered by insurance, I have not heard from them to date, other than they received the claim.

Claimed they couldn't get medical records but vet had no record of them contacting. Been a member for almost a year, filed my first claim and within 3 weeks got notice that my premiums were going up 30%. Wtf.