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I honestly questioned whether pet insurance was worth it. Some friends said, "Pet insurance is a must" while others said "It's a waste." We were recommended Embrace by USAA. Let me tell you, I AM SO HAPPY WE CHOSE EMBRACE!!!!! So VERY happy. Now I'll be honest, our first experience wasn't a simple submission. Embrace initially denied the claim. But to Embrace's credit, the e-mail they sent essentially said, "We understand that you won't be happy with this decision and we are willing to re-consider this decision should you have any additional information that might be important for us to know." Nice e-mail, but in today's world so much of what is said (or written) carries no weight. I didn't have much hope. Now, I understood Embrace's reason for initially declining our claim. But I honestly believed it was an error and knew there was additional information I could provide that would correct this error - but I honestly questioned whether anyone would take the time to hear me out even after providing this additional information. TO MY SURPRISE - THEY LISTENED!!!! Their follow-up email was equally responsive, "Based on the additional information you provided, we can overturn the initial decision." Words cannot express how happy I am with Embrace's service. I may not always right, but I do appreciate being listened to. Embrace listens. Thank you! Thank you! Thank you!

This is an excellent service and one that gives me peace of mind. They are helpful and efficient if you need help with claims and prompt with payments. I highly recommend this product

My 2 year old Goldendoodle had to have surgery to untangle his small intestine (Jejunal Volvulus). The vet bills between our normal vet and the emergency vet that did the surgery were over $5300. Trupanion covered everything except the standard exam fees (this was expected) and was very friendly every time I had to speak to them on the phone. The process of filing a claim was easy too.

I have had Healthy Paws for my yellow lab for the past five years. Unfortunately I've had to use it in a few emergency situations and I am very thankful that I had insurance for my fur child. I just used it last month when my dog was vomiting blood for an unknown reason and had to rush her to the ER where she stayed overnight. It was comforting knowing that with insurance I didn't have to worry about cost nearly as much and she could get the best care possible. Every claim I've submitted with Healthy Paws has been processed quickly and they have covered exactly what was agreed upon in my contract with them. I wish my personal health insurance was this easy and straightforward. I'm a loyal customer for life.

Great service. Decent coverage. Easy to navigate website. Helpful representatives. Have only had good experiences

I've had Embrace insurance for several years now, but (fortunately) have never needed to make a claim. Right before Thanksgiving, my cocker spaniel, Gromit, tore her ACL and meniscus, chasing Turkeys, no less! My local vet told me that she would need specialized surgery, called TPLO, to give her the best chance at a full recovery. Gromit had the surgery the next week at a specialty animal hospital. The cost of the surgery was $3,400. Since I had never filed a claim, my normal $500 deductible was reduced by Embrace to $350. I had to pay the full amount of the surgery up front, but the hospital faxed in the claim for to Embrace for me. I received an email from Embrace a few days later, confirming that the claim is covered at 80% and that the check was in the mail to me. I was also provided instructions to sign up for direct deposit for any future claims! I had heard nothing but good things about Embrace in the past, and I can certainly attest that my own experience with Embrace has been excellent. I brought Gromit in for a follow-up visit last Saturday, and was describing my positive experience with Embrace to the vet tech on staff. She told me that she has heard from people with other insurance companies about how difficult it can be to get claims paid by them. She was so impressed with my experience with Embrace that she wrote down the company name and contact information and will be recommending Embrace to other pet owners.

This is the best pet insurer

Professional organization.

Always a Wonderful experience when dealing with Trupanion. You're an amazing insurance company thank you

Everyone is always very helpful!