I have had coverage with my dog since I brought him home 9 years ago. Apparently the coverage lapsed last year because I pay by the year not the month and it was not automatically taken out. I did not know this until today. Very poor customer service in my opinion. They should have notified me more than once that the coverage was lapsing. They said they sent 1 letter which I never received or I would have immediately called and renewed it. I feel like they were trying to get out of covering him.

Worst insurance company. Got them for my 4 month old puppy and have denied every insurance claim linking it to a skin allergy prior to getting insurance. Very disappointed. I should have stuck with a little more expensive and reliable company. I have Nationwide for my other dog who is 10 years old and have no issues.

Give me back my money 2 yrs of no help . This is terrible insurance

My puppy has not had any issues except coccidia but Embrace's VT read in her health history that her ears were a little red but there was no infection. So now she is asserting that an ear infection that occurs within one year of pink ears would be considered a pre-existing condition. This is wrong! It is just an excuse to not cover ear infections in the future when there has not been an infection at all. I will have my vet address this incorrect analysis. But the point is that I should not have to go through this from someone that has never even seen my puppy.

It's a huge ordeal to get anything covered. They often misassess claims and deny things that should be covered under my policy, requiring me to fight for coverage, which is a slow and often unsuccessful process. I would have saved more money just paying for my dog's medical expenses outright, rather than paying for this insurance, which hardly covers anything

This company has zero ethics. 2nd time around as a customer and both times they eventually raise the rates rapidly without much warning. I cancelled their service the first time because of it and will do it again. Also painful to submit a claim they drag it on and on with requests for info they already received just to wear you down in the process.

This company is awful. They deny claims and say undiagnosed conditions are pre-existing conditions. FRAUD!

SCAM! Beware! They take your money but no claim is ever covered! I paid the covered for 2 years, submitted claims but they denyed coverage on everything so 100% out of pocket and 100% loss on policy cost. That is horsecrap!

Bad to have no help

My cat ate a shoelace and had an intestinal blockage and had to have surgery. My vet handed me a flyer from Trupanion before the surgery and said to look into it. The flyer says, "Instant coverage with no waiting period...""This offer is available for all cats and dogs under 14 when activated within 24 hours of a veterinarian exam". I'll go ahead and finished saying what they don't do you don't waste your time here. The exam must provide your animal with a clean bill of health. I submitted a claim (which they can't find) and was denied coverage due to our being a preexisting condition. No reason to be so misleading! What a colossal waste of my time. I canceled my policy. I'll look elsewhere for pet insurance.