I was disappointed entirely. I paid for the most expensive coverage snd only got back less than 150 out of a nearly 700 bill. They didn't cover the deposit my vet charged even though that went to the exam fee. They didn't cover any of the shots or tests needed nor any medication. I am entirely unhappy. I found other companies for less money per month that when given the same recipt would cover almost every dollar.

I liked the first 5 years my dog was insured with Embrace for $55 per month. We had one claim that exceeded our deductible and the process for reimbursement went easily. However, I was incredibly disappointed when my dog turned 5 and we moved to a different state that my monthly premium more than doubled to $120 per montb when other insurers such as Met Life Pet Insurance gave me a less expensive rate, $45 per month, for the same coverage ($15k per year with a $1k deductible) I had with Embrace for the same dog - 5 year old Newfiedoodle. I moved from LA to PHX and all my other insurance costs (home, car, health etc.) have gone down rather than more than doubled.

I waited 3 weeks to receive my dogs medical report. Followed up 3 times and finally received it after my billing date. Was told twice that it takes 7- 10 business days for it. What took forever was because they were waiting on records from a vet i told them she never visited. And their response was that perhaps it was under a different name? So, we were essentially waiting on something that does not exist. But finally the third follow up her records were given to me right away. Medical report was ridiculous. Recorded on her report that she was timid (she was a puppy and it was one of her first visits) and another visit was restlessness (it was a re-check from her spay). So, what this means is that they can decline any claims if she seems restless. It's ridiculous. I chose at the time a 1000$ deductible. Which means that for every condition that is covered, i have to pay 1000$ first before they would cover anything. Which I was completely fooled into thinking this was the best for my dog. Other insurance companies offer an annual limit, cover sick exams, cover taxes etc. FOR THE SAME MONTHLY RATE at an actual RESONABLE deductible. I used to tell friends and family good things about trupanion. Not anymore. I hear more and more people with similar experiences. Who knows if this review will reach google. Trust me when I say there is MUCH better insurance options out there.

The insurance is ok. I will be shopping around. There's too many things that get applied to deductible and are over the yearly limit.

Don’t be fooled by the self described “cute” app presentation, using bright colours and emojis to make it seem like they are your friendly next door pet insurance…This is a sneaky, soulless insurance company that will manipulate and squirm out of any claim it possibly can. Delay. Deny. Defend. I wouldn’t be surprised to see that written in big letters on the office whiteboard.

$170 refunded for over $1100 in charges. This was vaccines, bloodwork prior to dental (his first ever, no major issues), and the cleaning itself. Not at all worth it.

My overall satisfaction with this company is questionable. I have had coverage for my cat for many, many years. He is 18 years old. They seem, at times, to categorize services as wellness sometimes, other times it goes towards illness deductible, etc. My overall experience is they have inconsistent reimbursement, categorizing services randomly.

I am spending more on Insurance then at the vet. I am not sure the cost is worth the benefit. The APP is easy and submitting for reimbursement is quick. Again, not sure it is worth the price, though.

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Signing up for pet insurance was made easy and the person who helped me was very thorough and obviously cared. However, the plan didn’t cover as much as it claimed to. I could have saved money if I just laid everything out of pocket. The coverage is so little. My $300+ claim was reimbursed $50 and there was no explanation of benefits. The document was blank/error, even for the support person I reached out to. She ended up sending me a breakdown of coverage and it was NOT what I remember signing for. The coverage was MUCH less. I honestly regret getting insurance but I don’t regret trying to get my kitten covered.