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There is an extra fee your first month as a "start up cost." This frustrated me as the first month of my pet insurance was $70 for a healthy healthy German Sheppard. When I had a claim to process I forwarded over the vet records the same day they asked and they did not respond until 2 weeks later after I had emailed them to cancel my insurance.

I waS SO VERY PLEASED WITH tRUPANIONS actions. They were polite and interested in the well being of my boxer Molly.

I waS SO VERY PLEASED WITH tRUPANIONS actions. They were polite and interested in the well being of my boxer Molly.

I have 8 dogs insured with Embrace and have been a customer of theirs since 2006. While they certainly have grown in the past seven years, they still strive to provide personalized service. I have had many significant claims over the years, and normally if there is a delay in processing they will send an email explaining why things are taking longer than usual. Their representatives are compassionate, as well as professional. Their policies are well-explained in the documentation they provide, as well as on their website. My dogs have accident and illness insurance and I find that for a multi-dog household, the quality and cost of their coverage is the best out there.

Great service in processing our claim. Very caring in messages received from this company.

Great service in processing our claim. Very caring in messages received from this company.

This was our first claim and it was done very quickly. It didn't cover as much as I thought it would but I was way better than paying the actual price

This was our first claim and it was done very quickly. It didn't cover as much as I thought it would but I was way better than paying the actual price

When I signed up for Trupanion, I was told it takes 48 hours to receive claims. I have emailed my claims every time, and they don't mark them received for over a week. Their excuse in the beginning was that it's summer and they have a lot of claims they are backed up on, now it's fall and they say they have a lot of emailed claims to go through. It's been over 3 weeks and my claim still has not been processed. And I was told that you do not need a new claim form if it's for the same condition, if it has been claimed before, and every time I turn in a receipt for the same condition, they end up faxing a new claim form for my vet to fill out again. Tons of paperwork to keep up with. I am lucky my vet is so great and always willing to help me get some money back.

When I signed up for Trupanion, I was told it takes 48 hours to receive claims. I have emailed my claims every time, and they don't mark them received for over a week. Their excuse in the beginning was that it's summer and they have a lot of claims they are backed up on, now it's fall and they say they have a lot of emailed claims to go through. It's been over 3 weeks and my claim still has not been processed. And I was told that you do not need a new claim form if it's for the same condition, if it has been claimed before, and every time I turn in a receipt for the same condition, they end up faxing a new claim form for my vet to fill out again. Tons of paperwork to keep up with. I am lucky my vet is so great and always willing to help me get some money back.