Find and read reviews with confidence

I submitted 9 claims for dogs Rusty and Gunner. I was notified a claim of 10/11 would be denied. But the wrong dog and incident were identified. I called and told Anne Oneill about this and emailed Jennifer May. I hope the other 8 claims will be paid. I have not yet received a statement about payment.

My dog had emergency Gastrointestinal foreign body surgery. It cost me over $3000. Trupanion reimbursed 90% with no problems. It was hassle free and fast. Thanks!

My dog had emergency Gastrointestinal foreign body surgery. It cost me over $3000. Trupanion reimbursed 90% with no problems. It was hassle free and fast. Thanks!

I am a demanding customer. So far, so good. I can't find anything negative about Embrace. I'm very impressed. I don't regret it.

I bought an ASPCA policy for each of my two dogs. My intention was to have a safety-net for the bowel obstruction that was headed my way. In the meantime I am using the policy for some reimbursement for vet bills for my dog with atopic dermatitis. I think the premium, coverage and deductible are priced fairly. I like being able to submit claims via email. I've appreciated the reply email (although non-specific) stating that my claim was received. It took a little longer than I expected to receive the first reimbursement (3-4 weeks) but that was likely due to the fact that I didn't submit documentation from my vet. Overall I'm am very satisfied.

My sweet Nooa had a growth on his side that had to be removed. Thank goodness it was just a fatty mass & nothing serious. The claims dept didn't understand the way my vet does his receipts. So after I called to check on the claim & explained how it was done, they processed the claim quickly.

My 4 month old puppy broker her femur and, thanks to Healthy Paws, we were able to afford the super costly surgery (over 3000$ with all related costs). Without the surgery, she would have never recovered and would not have grown into the super happy and healthy pup she now is! Healthy Paws reimbursed within a few days, from the first x-rays to the follow up exams! We are so thankful for all they did, and the way they did it - always emailing us to inquire about our puppy healing. I wish my human health insurance was as friendly and personalized! I am so happy i subscribed for the insurance right as we adopted our puppy, otherwise i don't know how we could have afford the all thing that happened a month after we got her. Don't procrastinate if you are about to get a coverage for your pet is my new motto!

This is our first time dealing with pet insurance and are on a limited income. We love our 3yr. old Rottie and want the best care for him, with this insurance, it makes it easier for us to take him to the Vet with unknown conditions to get checked out and treated promptly. He's very healthy but like a child, he gets into trouble outside. We just wish that for the coverage we got for him, the premiums would be cheaper, but have to say, our claims have been paid promptly. We have had the policy since Smokey was a puppy.

As new dog owners and first time pet insurance purchasers we approached this with a bit of skepticism, despite a positive recommendation from our neighbor. So far Embrace has been great to work with and paid all claims as expected. That's exactly what we wanted from an insurance company. Thanks.

Overall, Embrace was timely with their explanation of benefits and covered most of my wellness and illness claims. My rescued dog was very sick the first year that we had him and most of his bills were covered. My one complaint was that when we got him from the rescue agency which pulled him from a high kill shelter, he had skin, ear, eye, and gastrointestinal conditions which subsequent bouts of the same illness were not covered for 12 months.