PREDATORY rate hikes. I’ve had insurance with them for the last 6 years, and my rate shot up from $78 to $178 this year. Their reasoning was made with baseless claims that aren’t supported by hard data, saying the rate in my area went up because pet parents were filing more claims. Even if that were the case, never has my rate risen over 100%.

Had homeowners insurance for one year with them after purchasing a house. Once it came time for renewal (4 months prior to my coverage running out), I was asked to submit 30-40 pics of my entire house on the inside and out as well as answer an extensive list of questions related to my property. Okay, that’s fine. They took over a month to “review” everything. Then came a laundry list of the ridiculous items they were denying me renewal over, such as one singular 3ft tall vine on the side of my house that had since been removed. They claimed satellite images showed a tree over my roof. There is not. A neighboring property that sits abandoned has a tree but it does not overhang my roof. I submitted more documentation of this. Then it was that “brush” had not been maintained, which is also not on my property. The brush in question is seven feet away from my house on the abandoned property. No amount of documentation made a difference so it was a huge waste of time. It took three months to do all of this and they still denied me. I can’t speak for how they handle claims but this experience alone made me never recommend them.

DO NOT GET THIS INSURANCE! ITS A WASTE OF MONEY! If I could give 0 stars I would. We submitted a claim for my dog and they took OVER A MONTH to get back in contact with us, the only reason they did was because we continued to call with rarely having our phone calls even answered. After waiting this whole time they kept giving us the run around and then told us they wouldn’t be giving us any money that we spent at the vet and claimed with them. They wasted our time and money and took advantage of our business. We canceled immediately and I will be sure to let all of my friends and family know not to get this insurance!!

I've been a Trupanion member for 15 years. The coverage plan is straight forward and I had very few issues over the first decade. However, the steep rate increases over the past three years have been alarming. The justification for the inflated rates no longer lines up with rational thought and it feels like the loyal client base is now being taken advantage of, not being able to switch providers if pets have developed pre-existing conditions.

They sent my pet's prescriptions to the wrong address in the wrong city. THEN I had to pay for the prescriptions AGAIN to be sent to the correct address and still don't have them more than a month later. Additionally, I have never been able to speak to a human about any of this, just the chat bot.

I’ve been a loyal Embrace customer since 2016, and after nearly a decade of paying monthly premiums, I’m walking away extremely disappointed.

Too expensive and not enough coverage, I will be looking for a more valuable plan for next year.

I made a claim in June and after 1 month I am still waiting.

When I first got insurance for my pet I got a good deal, good price good coverage but the moment my year was up. Bam $50 increase every year. No warning, by email or mail. This is ridiculous. I will differently be looking for another insurance after my pet finishes his treatment because 150monthly is crazy! for the amount of time I take him to the vet is way too much.

Overall I am satisfied with the Handling of the Wellness Claims But Having recently increased Premiums without increasing Benefits leaves me somewhat dissatisfied considering the cost of Pet Care has Increased considerably ? An Increase in Wellness Allocation would be greatly Appreciated!!Just Saying!!