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Pet parents across the U.S. and Canada have left over 208,360 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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122% Increase in Premiums in Less Than A Year!
I have had Trupanion for almost a year and I just received notice that my premiums are increasing from $42.70/mo. to $94.97/mo. That's an increase of 122%!! Their justification for the premium hike is an "increase in medical costs." This argument is completely unfounded for the following reasons: 1). My dog sees 2 different local vets and neither one of them have increased their rates. 2). The U.S. Bureau of Labor Statistics ("BLS") annually publishes the Consumer Price Index (CPI) summarizing the average costs to U.S. consumers for certain categories of expenses. According to the most recent report, the cost of veterinary care only increased 4.6% from 2010 to 2011. In fact, according to the data on the BLS website, from 2003 to the present, the average cost of vet services has never increased annually more than 6.3%. So how does Trupanion justify an increase in my premium of 122% when the national average for increased vet care is only 4.6%? In my opinion, they don't. Other customers have posted similar complaints on this website about premium increases. Here is one of Trupanion's responses: "if you compare our most recent rates with our competitors' rates, you will see that we are in the same ballpark for pricing." (See http://www.petinsurancereview.com/reviewComment.asp?ID2=1300&ID1=15639) This statement, true or not, is completely irrelevant. When I signed up for my policy, I was promised the "rates will occasionally be adjusted to reflect
Insurer: Trupanion Canada
By: Christi
So far awesome
Wellness program first refund coming. All went smoothly. Such great communication by email.
Insurer: Embrace
By: Bina
55% premium increase
After one year of membership at $34 per month my premium was hiked up by 55% to $74 per month. I was told they were wanting to raise the prices for the past few years but the state of CA regulation office would not approve the hike till now 2/8/2012. CANCEL
Insurer: Trupanion Canada
By: David
55% premium increase
After one year of membership at $34 per month my premium was hiked up by 55% to $74 per month. I was told they were wanting to raise the prices for the past few years but the state of CA regulation office would not approve the hike till now 2/8/2012. CANCEL
Insurer: Trupanion
By: David
Definitely Worth Having Insurance
My Dog is now five years old but has definitely gotten himself in a lot of situations that cost a hefty hospital bill for me. But thank god to Embrace they are always so helpful and always available to answer all my questions. I am so glad to have insurance for my dog. It definitely pays and has made me not have to pay everything out of pocket. For example the $5000.00 hospital bill for a surgery he had to have because he ate a piece of plastic from his chewy toy. Embrace paid $3500.00 of that bill. I definitely recommend them!!
Insurer: Embrace
By: Neda
Quick resolution
Vet sends form and information on my behalf to Insurer.I get quick resolution.
Insurer: Trupanion Canada
By: Gordon
Quick resolution
Vet sends form and information on my behalf to Insurer.I get quick resolution.
Insurer: Trupanion
By: Gordon
So Far So Good!!!
We got Embrace insurance for our new puppy in Nov 2011. We have been very happy with the processing of all of our claims so far. Our puppy ate 15 rocks the second week we had her, and have now met our deductible for the year should she decide to eat something else she shouldn't!!! We also have wellness visit coverage and the re-reimbursement has been great for all her shots, flea meds etc.
Insurer: Embrace
By: Dawn
Excellent customer service
I did a fair amount of research on pet insurance policies to cover my new golden doodle puppy. I had a terrible experience in the fall with a not yet 2-year-old cat who was unexpectedly diagnosed with chronic kidney failure and was astounded at the medical and hospital costs, so I was not going without pet insurance for my puppy. Because of all the anticipated vet bills associated with vaccines and the like, I chose Embrace because they also offered a wellness plan that I could add to the accident and illness coverage. They also provided early coverage for orthopedic problems, which can be an issue with this breed. They have covered everything I have submitted to date, either under the wellness plan or charged against my deductible, at the actual cost charged, and have been immediately responsive and pleasant. I am so far extremely pleased with this company.
Insurer: Embrace
By: Barbara
service
very quick in managing claims, less then 2 weeks to receive approval and receive reinbursment, I have always had friendly and promt service from anyone I've spoken to and would happily recommend Pet Insurance to anyone who ownes a pet
Insurer: Trupanion Canada
By: Sabrina