They denied coverage of my pet's ACL surgery and treatment claiming it was an illness not an injury. I contacted my veterinarian about this and they claim they have never heard such a ridiculous denial. ASPCA will not be there for you or your pet, do not recommend the use of this company. Either a lack of knowledge or lack of compassion, very poor experience

We have a French bulldog named Hugo and we scheduled him for surgery for his brachycephalic syndrome and we got a reply from Trupanion that they will not cover his surgery We've been paying a monthly premium of $250 / month for over 2 years now. And to find out that they won't cover for his surgery is preposterous, I could've put that money aside for his surgery. I wouldn't recommend Trupanion for anyone with a frenchie

I have a Healthy 5 year old Mini Schnauzer I put and fetch insurance last year las month my dog ate somethin that made him very sick took he would not eat and through up a green substance I took him to the emergency vet A bill of 1300 I put the claim and was denied because the dog did not see the vet for a year . this was not explained a healthy dog . The took 15 day to denied . Don't get it they never answer phone for your question .

Submitted claim. Embrace wanted more details from the vet, also from the first vet that they required a wellness check when we adopted the dog from the shelter. Paperwork submitted but they wanted more. There is no more. Dog with us less than a year, from a shelter, got wellness review when purchased policy for which I pay for one year coverage up front. They keep saying they want more paperwork. There is none and so they just have not paid anything on the claim and I am reviewing to suggest others stay away from this compay.

Every time I submit a claim they say that they need more information and can't process my claim. Half the stuff that I submit for a claim they deny. I've been waiting almost 2 weeks for a refund and they keep saying that they need more information when the app won't even download on my phone. I've had countless problems with their app. I'm done. I'm about to just switch insurance companies.

After one year they increased our premium 46% on our 3 year old healthy dog. We did not use our insurance at all that whole year. When I called to ask them to justify this ridiculous increase they cited inflation and rising vet fees…I’m sorry, I know for a fact neither of those things have risen that high. Stay away from Embrace, they’re just out to rob you.

This company wasn’t transparent with their policy even though I asked the right questions to make sure that I was following the procedures. My cat’s recently discovered condition was claimed to be “pre-existing” even after her vet submitted a letter stating that it was a new condition. I cancelled it. I do not recommend Fetch.

My dog has been insured for years now and at first the coverage was really great. He has been on the same plans the whole time but the insurance is covering less and less of the cost, meanwhile the price of the insurance just continues to increase.

I had a conversation through email regarding my claims. They explained why i was not getting paid with one of the items I sent, however, I asked them what about the rest of the claims which were not pre existing condition? I haven’t gotten any answer.

I was a member for years. My one claim for surgery was turned down. Having me pay into a system for years that then turns down my claims is a scam.