I have used trupanion for 7 years. And my rate has gone from $40 to $112 a month. That’s $480 to $1,344 annually ( that’s with a $1000 deductible)Trupanion says they never increase rates based on claims you submit. Instead, they use a complicated formula to increase your rate. This rate doesn’t cover office visits or any well care ( others do). And only reimburses 90% of covered costs.My dog has been diagnosed with a chronic illness that makes it impossible for me to switch companies now. I really wish I had chosen a different company. Do your homework, Trupanion is not a good company.

They can let people that know nothing about insurance know more about how it exactly runs and what it does. I have the insurance from you and i have put in at least 4 claims and they didn't approve not one of them. Embrace sucks.

multiple claims, none considered or applied to deductible just says " awaiting medical history" despite me sending in veterinary records myself

Still waiting to hear back about my claims

After spending $230 on a a yearly exam and vaccines. I would expect to get more than $100 back. This is not the first or the second time this has happened. I very seldom use the insurance and feel you should get more money for keeping your pet healthy.

You seem to take a long time to review simple standard claims like a well visit

I believed Embrace would be a great company for my pet due to the option of reducing the waiting period for orthopedic injuries by completing the “Orthopedic Report Card” after seeing the section on Embrace’s website, and talking to multiple people in my state who have enrolled their pets and successfully reduced the waiting period for orthopedic injuries. I signed up for a plan through Embrace even though the cost per month was much higher than competitors due to the appeal of that offer. Upon enrolling my pet I was unable to find the “Orthopedic Report Card” on my account and called the customer support line to find a solution. The representative informed me that the waiting period could not be reduced with my plan and treated me with a flippant attitude and even chuckled when I explained that I only enrolled due to the appeal of a company that would reduce the waiting period for orthopedic injuries for a healthy dog. The tactics used to lure customers in with false claims is dishonest, and the uncaring attitude of the representative I spoke to was extremely off putting. Had the representative informed me that newly established plans in my state no longer allow for a reduction in the waiting period in a compassionate and understanding manor I may have stayed with the company regardless of the fact that the waiting period can no longer be reduced, but I will not do business with a company whose representatives are not caring and professional.

I am leaving aspca insurance in March when my policy ends. They raised the price to $88 and they only give a small portion back for preventive treatment and dont add it to the deductible. I spent $1000 for spaying and a tooth removal and got $175 back and gave me 499.30 for my deductible! Couldn't even give me the $500 to meet my deductible. I took my dog back for her second distemper shot and I spent $50 and they denied it. Unless its not preventive care it will not go to the deductible. Im going to join AKC health insurance. Maybe sooner than later. Its easy to put in a claim but im just done giving $88 a month way and only get a Little bit back. Its not worth it! Waste of money.

I've been paying for insurance for six months, which was supposedly comprehensive, and when I first complained, they told me it doesn't even cover vaccinations! Nothing preventive, just accidents! That's not even what I read when I bought the policy! I don't recommend it.

Terrible service by adjuster’s that don’t know what tgey are doing. My dogs get allergy shots every month one goes through and the other one by another adjusters needs more information (dumb) a shot. Get better help and managers never call back.