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Astonomical premium increases
While Trupanion did promptly pay a portion of my first claim after 2 years of having this insurance, they first tried to have me pay the deductible twice because there were 2 small growths to be removed in one surgery for my dog. They considered it 2 separate claims. We had to NOT remove one of the growths in our claim in order to avoid paying the $1000 deductible a second time. Otherwise, their contribution was going to be $87 on an almost $2000 surgery, after we've paid over $3000 in premiums for an otherwise healthy 2 year old dog. After 1 year of having Trupanion at $112/mo, they raised the premium to $140/mo due to 'increased costs for pets like mine in my area', then 1 year later, exactly 3 days after my claim, they raised my premium again to $175, stating the same reasons. Both times the increase was roughly 25%. Despite their claims about helping limit pet healthcare costs, their insurance premiums continue to move upwards at a rate far in excess of other types of inflation. I can only conclude that Trupanion either cannot properly assess projected costs and establish reasonable annual premium increases that align with a reasonable level of inflation and expected profitability, or they simply use scheduled and seemingly outsized premium increases to continually boost revenue on the hopes that most pet owners will be compelled by the fear of a cataclysmic future vet bill to keep swallowing these unreasonable rate hikes. I've decided to cancel this coverage effective immediately and simply budget a similar amount monthly in an investment account to help offset future vet costs. I'm willing to accept the risk of a possible large future expense over the certainty of spending evermore thousands of dollars on premiums, with no guarantees the rates won't continue rocketing upwards annually. My 'premium' payments will remain wholly mine and can grow at the same reasonable rate as my other investments.
Insurer: Trupanion Canada
By: Steve S
Embrace
Embrace, is quick and effective. You can take your pet just about anywhere in the country and they can be taken care of.
Insurer: Embrace
By: Christina Bennett
Don’t bother
Don’t bother. This company is such a scam. They never paid out a single claim (always said pre-existing conditions or never met the payout threshold). My dogs had multiple issues over the years of various types and somehow Embrace always found a way around paying for them. I changed my address 8 months ago and their system didn’t update (SCAM!!!) so I overpaid for my policy too. Of course they do not care about helping you out at all. Seriously DO NOT SIGN UP FOR EMBRACE
Insurer: Embrace
By: Will M
Able to answer questions and…
Able to answer questions and sympathetic to your pet's needs.
Insurer: Embrace
By: Calvin
I find it very difficult to file…
I find it very difficult to file claims. I don't ever know if the invoices i attempt to upload are received. I submitted several in the past 3 months and I haven't heard anything, Mary Rovaris
Insurer: Embrace
By: Mary Rovaris
Great service by Joshua
Joshua Rabado was a great help and very knowledgeable about the product. He answered all my questions.
Insurer: Fetch
By: Carla Rizya
Constantly messing up payment info
Constantly messing up payment info. Claim is taking forever to get reimbursed.
Insurer: Pets Best
By: Danielle Davis
Quick response to claims.
Quick response to claims.
Insurer: Embrace
By: Moira McMullan Johnson
Your online site was easy to navigate…
Your online site was easy to navigate around, Which showed me a lot of options to choose from. Also, I like the way you have the deductible set up, which is annually not per incident.
Insurer: Pumpkin
By: Mary R
I really enjoy the ease of using their Website
I really enjoy the ease in which I can submit a claim online and using the mobile app. Status is easy as well and the turn around time for claims has been one day... Highly recommended company.
Insurer: Embrace
By: Tony Rodrigues