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So glad we had the pet insurance for our dog because he had ruptured 2 disc in his lower back and had surgery last month. Embrace reimbursed us 80% of the bill. Only wished the claim could have been looked and sooner so we didn't have to wait 2 or 3 weeks for our reimbursement.

I was really surprised by how quick the reimbursement came once I submitted the claim. The vet clinic was even nice enough to submit the claim for me so all I had to do was provide the form!

I have 5 dogs insured through Embrace. Four of them since December 2014. So, I have had a lot of experience with the claims process and Embrace customer service, etc. I HIGHLY recommend this company. Having written quite a few LONG previous reviews, I will keep this a bit shorter! This is such a "user friendly" company. NO HASSLES with claims whatsoever! They are processed within 7-15 days unless the vet has not given them all the info they need! You can log into your account and see where they are in the process and also see all the claims you may have previously filed with remaining coverage $$$, etc. If you have a question or concern, you actually get a LIVE person on the phone when you call and they are AWESOME at resolving any issues (not that I have had "issues" really!) I purchased the maximum yearly coverage ($15,000) but went for the high ($1,000) deductible to make the monthly premium more affordable. Embrace has covered SO many things for the two oldest dogs especially that I can NOT imagine not having this coverage. If you are considering get you canines of felines insured, do NOT wait! I have been through quite a few serious illnesses but not had to worry about the expense because I had Embrace. Be aware that all companies do a health history and that pre-existing conditions are not covered. But, get your dog or cat covered before issue arise! Nine months after I got the dogs covered, one of my dogs got a mast cell cancer diagnosis and needed surgery. She had a board certified surgeon take the proper margins and surgery was successful. Embrace was there to cover (minus deductible and the 10% I pay). The following year (2016) she had two more successful cancer surgeries (check your dog for lumps and bumps and remove early!!!) One of the surgeries required a CT scan to insure that the surgeon knew exactly where to cut to get the proper margins. Embrace covered EVERYTHING! They do not second guess the vet...if, the vet feels a treatment is needed, they have covered it. What more could you want? Twice (two different dogs) we have exceeded $14,000 in yearly reimbursement....get insurance!!!!

Claims are easy to submit and are processed incredibly fast. Typically hear back with 24-36 hours. Decisions a re very clearly communicated along with what portions of the claim will be paid. So far the experience has been very positive.

I am so grateful for having Embrace pet insurance. Little did I realize my 2 labradors retrievers would have so many problems as puppies. Embrace covered 80% of just about every medical situation my pups encountered. Even the wellness claim coverage is a plus.They have the best customer service and their system is user friendly and easy. Highly recommend!

Claim filing process was very easy. Pleasantly surprised at how fast it was reviewed and processed. Great communication.

Today I tried calling customer service twice before I reached a live agent the 3rd time. Each time I listened to the message and held for 3 minutes without talking to an agent. Other than that I am pleased with our insurance with your company.

Never a disappointment and everyone is so caring--it's like they are part of our family.

When adopting my 9-month old male kitten, I thought it would be years before I would have to deal with serious pet health issues. But life rarely goes according to our plans...and I am so grateful to have signed up for the Trupanion pet insurance that my veterinarian had recommended. My kitty was in and out of the emergency pet hospital for a week with multiple urinary obstructions. It was a gut-wrenching few days, but with good insurance coverage and the ability to submit claims directly through my vet providers, a huge weight was lifted off my shoulders. I could get estimates of coverage and know what was approved immediately. I felt that I could make better decisions for the treatment of my kitty...without the added stress of worrying how much it was all going to cost in the end.

We were very impressed with Embrace’s prompt reimbursement of our dog’s pricey insurance bill. We are so grateful that we had Embrace & will be lifelong customers!