Diagnosis field very limited. When filing the claim the diagnosis field almost tries to point you towards conditions that they can then exclude. My Vet has said that Embrace is one of the most difficult pet insurance companies to work with. It is almost like after they have your premium they work very hard to deny a claim. We will not be renewing!

First of all, they take forever to process a claim. On top of that, they will ask all sorts of history and soap paperwork. They make it hard for you and eventually deny the claim. Will NOT recommend.

AKC Pet Insurance denied all claims related to the condition that led to my dog's death (bowel obstruction) because they had paid me $10 for when I took him to the vet when he was vomiting a few months ago. The vet took X-rays at that time and found no obstruction. Their customer service representative provided no recourse and left me with over $10,000 of bills for a very traumatic experience that ended in my beloved young dog's death. They claim that they cannot revise the previous claim because it has been "finalized."

I don't like how I don't have an opportunity to ask questions about coverage or see a comprehensive list of what is covered prior to having to pay; I also do not like having to pay for 2 months before the policy is underwritten. It does not make sense to have to wait up to 14 days for the policy to be underwritten but only have 10 days to cancel and be reimbursed.

Trying to jump thru hoops to get the advertized $25.00 Amazon gift card. Two agents told me to call Amazon!!! What a rip off! Still no gift card!

Complete Scam. Denied claim for dental. Said they had different underwriters and the sample contract was different than the contract I purchased. Unbelievable.

DO NOT sign up with this pet insurance policy company. They have denied my dog coverage of a cardiac condition he developed as a result of his advanced age - 17 - claiming that it is excluded as a “congenital” disease. My vet wrote a letter in support explaining that my dog contracted mitral valve disease due to age-related circumstances and that it was never an issue before this, that no records in any exam indicated any cardiac issues in the past 16 years. Still, they denied coverage making this bogus claim. I’ve been a customer for 17 years and have paid well over thousands of dollars through the years, just for them to deny this??? My dog has hardly ever been ill before this incident. I am appalled at this company and would STRONGLY advise you to look elsewhere for your pet’s health insurance needs.

I have had my dog, Stella, insured with ASPCA since I got her in 2012. On 10/19/18 I decided to upgrade my coverage to a newly filed and available plan. I recently filed a claim for Stella for a dental infection. She was also treated for dental infection back in 2017. The company has denied my claim, stating that my original coverage was cancelled on 10/19/18 and new coverage began on 10/20/18. After being a loyal customer with uninterrupted coverage for over 12 years, they are using this as a loophole to deny coverage. And of course at Stella’s age, I can’t really move her to another insurer. Beyond unethical and so disappointing.

I am extremely dissatisfied with the experience I had with your company. Your failure to process payments in a timely manner resulted in two NSF fees on my bank account, totaling $150, including a stop payment fee. When I reached out to your customer service, I was met with resistance and unhelpful responses. The manager I spoke with seemed unconcerned with resolving the issue and instead focused on canceling my account. I was surprised to learn that your company's policy involves verifying funds with the bank before processing payments, which led to the delayed withdrawals. This approach is unlike any other company I have dealt with, which typically process payments on the scheduled date. I urge you to reevaluate your customer service practices to prevent similar experiences in the future.

1/5 Stars - Misleading Sales Practices and Lack of Transparency I recently had the misfortune of dealing with Trupanion, a pet insurance company that promises comprehensive coverage but fails to deliver. My experience was marred by misleading sales practices, lack of transparency, and poor customer service. When I signed up for the policy, the agent assured me that I would have a single $1,000 deductible. However, I later discovered that the deductible was applicable to each condition, not just once. This was a significant difference that would have affected my decision to purchase the policy. Furthermore, the documents provided to me did not match the policy's actual terms, leaving me feeling deceived and frustrated. When I brought this to the attention of the company, I was met with a lack of empathy and understanding. Trupanion's business practices are not transparent, and their sales agents are not forthcoming with accurate information. As a pet owner, it's essential to have trust in the insurance company, and Trupanion has failed to establish that trust. I would not recommend Trupanion to anyone looking for pet insurance. Instead, I would suggest exploring other options that prioritize transparency, honesty, and customer satisfaction.