Worse pet insurance ever ! Always giving excuses to not approve claims. Please don’t buy this insurance it’s a waist of money they will not approve any of your claims even with all the medical records. Additionally when I tied to cancel they were even making excuses to not cancel it by claiming there was no one there to cancel . Ridiculous!

My rate went from $90 to $220 in a couple of years. That's almost as much as I pay for my own health insurance and they have yet to cover any of my claims including a very expensive hip surgery. It's such a rip off, spca and nationwide have much better customer service and rates. I mean honestly at this point I could've put the money I've spent on trupanion away each month and paid off the surgery and other services and still had money left over. What's the point of insurance when this becomes the case?

First year $44 a month for a kitten, 2nd renewal was $55. Just received this years renewal to be $96. I would have never joined if I knew this is how they manage rates. Absolute bait and switch!

The absolute worse ever! They are incapable of making a proper reimbursement. Almost 2 years & i have yet to get my funds reimbursed. They deposited my money in someone else’s account. I was in the process of moving & their policy is to mail checks. I never received any checks. Now they insist they cannot deposit my funds in my account, must be a check. I highly suggest you find another insurance company. There are so many now i am having trouble determining which to go with. Good luck.

The pet insurance has been great. The pharmacy is horrible too many games. Too many lies don't buy from this pharmacy. Spoke with Kristina this morning and i get the impression that she cares and worked to resolve my problems in a timely manner. Thank you Kristina.

Have been with Embrace for 6+ years. No issues with the insurance itself but their customer service is TERRIBLE with responding to emails! I'm still waiting for a response weeks later.

Very slow for payment. Nationwide paid within 72 hrs. Embrace takes weeks…why?

Poor cutomer service. I have been waiting over 30 days for a pre-approval before dental work under their "every tooth covered" policy. In trying to get an update I only receive automated or scripted replies with no real information. They cover my pet's medication no problem but even if they end up covering her dental I cannot recommend them based on the support I have received relating to the claim.

When i asked why they would not cover my $800 invoice from my vet for my dog who was diagnosed with pancreatitis they told me my dog had a pre-existing condition when he did not. I asked why they said that and they said because i told the vet he was sick the with the sicknees the night before. What the ?? Also it took them over a month to determine this bull

I want to cancel my policy and cannot get g