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I submitted my dog's claim and the next day Trupanion sent me a detailed email telling me how much they covered and what I should be expecting. I love that they cover 90% and I'm happy I have $0 deductible. It totally takes the stress out of worrying about finances and lets me focus on making the best medical decisions for my dog.

I guess my "tips" would be, use the proper forms, get your Vet to fill out forms completely and send in.. Be aware of what your coverage entails, and then all will go well. I can not recommend this company enough. This is my first claim, met my deductible and a check is on the way for the amount above deductible. No hassle , just plain "we do as we told you we would".. Thank you, Embrace!

I have been with trupanion for a year and am very disappointed. I submitted a claim for a laceration on my cat's leg, they delayed payment for weeks by asking for the same information that had been submitted previously. Then they denied sedation coverage because the cat "demonstrated behavioral issues prior to the policy inception"...really?? that is absurd! I am canceling my coverage.

Oh where do I begin. Well first of all, the reason why I chose trupanion is because I have a sharpei mix breed. A lot of insurance companies DO NOT insure sharpeis or mix breed so please make sure you read their fine prints. My dog was diagnosed with a nerve disorder around December 2011. He needed to get a muscle and nerve biopsy to determine the cause and that totalled more than $2500! And yes, trupanion covered 90% of that minus the detuctible and the exam fee. This was my first claim and it took a couple weeks to get processed because my vet was taking their time sending in his files. Around January, he came down with pnemonia (also diagnosed with megaesophagus) and was hospitalized for more than 5 days. Again, $2500 + vet bills that trupanion covered. During this incident, I got a pre-approval within 2 hours after he was admitted which gave me complete peace of mind. When he was discharged, the doctor suggested for him to eat prescription food which trupanion covered 50%. Around March, he received custom braces to aid the instability on his rear legs, $1000 and trupanion covered 90% of that, so you can do the math. I've sent them many claims (under 10 grand i would estimate) and not one has been denied. My premium has gone up just a couple bucks since enrolling my dog and with the new added benefits you simply can't go wrong. Please insure your pet. Like myself, you never know what can happen and the last thing you want is to make a decision between mone

Oh where do I begin. Well first of all, the reason why I chose trupanion is because I have a sharpei mix breed. A lot of insurance companies DO NOT insure sharpeis or mix breed so please make sure you read their fine prints. My dog was diagnosed with a nerve disorder around December 2011. He needed to get a muscle and nerve biopsy to determine the cause and that totalled more than $2500! And yes, trupanion covered 90% of that minus the detuctible and the exam fee. This was my first claim and it took a couple weeks to get processed because my vet was taking their time sending in his files. Around January, he came down with pnemonia (also diagnosed with megaesophagus) and was hospitalized for more than 5 days. Again, $2500 + vet bills that trupanion covered. During this incident, I got a pre-approval within 2 hours after he was admitted which gave me complete peace of mind. When he was discharged, the doctor suggested for him to eat prescription food which trupanion covered 50%. Around March, he received custom braces to aid the instability on his rear legs, $1000 and trupanion covered 90% of that, so you can do the math. I've sent them many claims (under 10 grand i would estimate) and not one has been denied. My premium has gone up just a couple bucks since enrolling my dog and with the new added benefits you simply can't go wrong. Please insure your pet. Like myself, you never know what can happen and the last thing you want is to make a decision between mone

Since enrolling our pet to Embrace insurance. We have received quick reimbursement and quick feedback on our claims via e-mail. Their customer service is great with getting back to us on a weekly basis with each claim to. I advocate for any new customer seeking great quality pet insurance for a new pet to consider, Embrace. :)

My dog got diagnosed with terminal cancer at only 5 years of age totally catching us by surprise. It was an awful diagnosis but having pet insurance allowed us to afford to try an experimental Chemo treatment at the university pet hospital. The treatments restored his heath for about 3 months which gave my family valuable time to mentally prepare. Embrace was great throughout the process. They paid all claims as per the policy, I just wish my own health insurance was equally good. Also, you can really tell in all their correspondence that they are pet people.

I have had Embrace insurance for about 7 years now and have 3 dogs covered with it. I have found that Embrace has lived up to its responsibilities in every case. Although I decided to purchase insurance to protect in case of a catastrophic event, it has been very helpful in reimbursement of lesser accidents/illnesses.

We submitter 3 clames with our French Bulldog and so far, didn't run into any problems. Its just as advertised. We pay exam fee, one time deductible per condition, and everything else was covered by Trupanion (90%). Vaccinations and any preventatives are not covered. All in all, great service, fast response, pleasant over the phone - great pet insurance. Wish there was a place to upload your pets pics so that they could be featured on your profile and on the website. (current photo feature is not working). Highly recommend.

We submitter 3 clames with our French Bulldog and so far, didn't run into any problems. Its just as advertised. We pay exam fee, one time deductible per condition, and everything else was covered by Trupanion (90%). Vaccinations and any preventatives are not covered. All in all, great service, fast response, pleasant over the phone - great pet insurance. Wish there was a place to upload your pets pics so that they could be featured on your profile and on the website. (current photo feature is not working). Highly recommend.