Very unfortunate to have to write this review. Embrace Insurance's #1 job is to find ways to deny your insurance claim. Found this out the hard way. This shady business will find every single possible reason and scrape the scum of the earth to decline your insurance claim. I can't believe how unreasonable they are. I have never ever came close to getting any reimbursements despite working with our vet and their team, providing all documentations, AND even getting a formal letter from our vetenarian stating our cat's symptoms are unrelated to pre-existing conditions. They still denied us! Not even one reimbursement from the multiple treatments we had. These guys are nuts. Total scammers!! Beware!!

As a "loyal member of their pack," (their words, not mine) Embrace sent me my policy renewal with a 46% year over year increase in the premiums. We have made no claims. This is criminal. Over $1100/year for the bare minimum coverage. It is now more cost effective to put that money aside for the possibility of a bill. Sending anymore money to Embrace is akin to lighting my money on fire.

Bought a policy for my two dogs and paid a year up front. 6 months in each of my dogs had to see the vet. My Yorkie had pancreatitis and a UTI. THEY’VE DENIED the whole cost and said 5 months ago in routine bloodwork something was elevated. At the time the vet said it was nothing to worry about nothing to do. Now they won’t cover her illness as there was more existing condition. Give me a break. Total ripoff.

Fetch is THE WORST. I called to cancel my policy because I wasn’t able to use it for a costly emergency and the customer service provider convinced me to keep it, I filed 3 claims all of which were for BASIC things that were supposedly covered under my policy. Each time they asked for more information for the things I was claiming, I provided them and was denied everytime. I more than met my deductible and ended up having to pay out of pocket for everything my dog was seen for. Each time they gave me some BS reason as to why I couldn’t be reimbursed. Do not use them, this is totally a scam!!!!

This company basically just steals your money every month for the premium and denies any claims you make, regardless of what they are. My dog had an ear infection, a fluke accident, and they denied the claim because they said it was a pre-existing condition. I don't understand how an ear infection is a pre-existing condition and even had my vet write a letter stating the exact cause of the ear infection and how it just happens in dogs from time to time, it wasn't caused by anything he's ever had previously and they denied both my appeal forms. They are greedy, won't pay for anything, and make the entire process horrible. There is no one to even call about discussing a denied claim, their call center doesn't know anything and can't give you any information as to the reasoning for the denial. They said there is no way to contact the appeals team directly which is just ridiculous. Do not get insurance with them, they deny everything and do not care about your pets, just making money off of you.

I am writing this review to express my utter disappointment and frustration with Trupanion. Our experience with them during a medical emergency for our beloved dog was nothing short of horrific. Yesterday, my dog ingested something harmful and we immediately reached out to Trupanion to file a claim. We provided all the necessary details, believing we were covered, as we had previously confirmed this with their representatives. However, when we needed them most, they rejected our claim, citing "previous condition". This was incredibly misleading, as we were assured coverage for such incidents. What made the situation even more infuriating was their dismissive attitude. Meanwhile, we were watching Ollie suffer, desperately trying to find a solution. Despite our efforts to arrange funds for the surgery that evening and scheduling the procedure for the next morning, our 3-year old dog tragically passed away just hours before the operation. This experience has been devasting for our family, especially our children. The lack of empathy and the cold correspondence we received from this company only added to our grief. We are now considering legal action due to their negligence and failure to honour their promises. I urge anyone considering pet insurance to stay far away from Trupanion. Their lack of support during a critical time has left us shattered, and I wouldn't wish this experience on anyone. Protect your pets and your piece of mind - look for a company that truly cares.

You pay extra for wellness care, I feel the reimbursement should be slightly higher as prices at the Vets have increased, the reimbursement should be at some par to their increases. In my case I paid $800.00 and got a total back of about $115.00!

I submitted a claim for an accident (My dog's eye got scratched) in December of 2024. They asked for medical records from 2022 and 2023. I tried to contact them via chat and call. It is IMPOSSIBLE to reach to a human. I had to chat with the bot and tell them I wanted to cancel my policy because could not get any help from anyone regarding my claim. My dog was healthy and he did not have any doctor visits except for vaccines(which are not covered by his insurance) those years. Finally, I was able to talk to a human agent. He was not helpful at all and I ended up canceling my pet's policy. They do anything to deny your claim and I don't recommend this insurance to any pet owner.

Absolutely a rip off. They take your money and then deny all claims. And deny all appeals too.

Most of my claims are slow to be reviewed. It appears to me anytime I have a claim that is more than $100.00 they have to review my pets records. They request records from my vet. A week later I will receive another email telling me that my vet has not sent the needed records. I have been in contact with my vet. They reassure me that the day they receive they sent the records. I feel that Embrace gives me the run around hoping that I will give up on asking for a reimbursement. I do not recommend this insurance. I gave 2 stars because the small claims have been settled in a reasonable time frame.