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When my dog needed surgery I was able to recoup my premium and deductible, however the rate for reasonable charges is way under what the vet and hospital both charge. Many items (fluids for a dehydrated pet) are not even covered. Better than nothing. It sure would be great to know ahead of time what is going to be covered, what is not, and what is the customary charge - that would go a long way to preventing sticker shock.

My Toy poodle was diognosed with Hot spotsTrupanion, was right on my case evaluation. Very timely

My Toy poodle was diognosed with Hot spotsTrupanion, was right on my case evaluation. Very timely

After going back and forth whether to purchase pet insurance, I am happy I did! Customer service has been responsive and prompt and this insurance coverage is totally transparent. There are no secret charges or suprises! Thanks Embrace!!!

I generated an online quote with the coverages I was comfortable with. After a couple of e-mail exchanges to answer some of my concerns, I purchase the policy online, no problems. When I submitted my first claim weeks later, I got an e-mail back saying that the procedure wasn't covered! It turns out I made a critical error when selecting coverages online. Out of luck? Not at all. They looked past my bumbling and offered to reformulate my policy to what I had intended it to be, and made it retroactive. Not only that, they applied a discount I had not previously known about, so my monthly premium dropped a few bucks. Bottom line, great customer service. Hopefully the claims process is as impressive.

We registered with Trupanion at our Vet's recommendation when Moonlight was only 8 weeks old. Recently she accessed a box off raisin/chocolate. The treatment was long and costly (over 10000$). Trupanion worked with our Vet, obtained the medical history and simply paid 90% of the cost. The procedure for filing the claim was easy and throughout the waiting period ( about 1-2 weeks) they sent me updates with a final thank note to us for taking good care of Moonlight. I will remmend Trupanion to all pet owners with no reservations.

We registered with Trupanion at our Vet's recommendation when Moonlight was only 8 weeks old. Recently she accessed a box off raisin/chocolate. The treatment was long and costly (over 10000$). Trupanion worked with our Vet, obtained the medical history and simply paid 90% of the cost. The procedure for filing the claim was easy and throughout the waiting period ( about 1-2 weeks) they sent me updates with a final thank note to us for taking good care of Moonlight. I will remmend Trupanion to all pet owners with no reservations.

I insure four animals. One got sick. It cost about $3,000 to save her life. Eventually I was reimbursed, but my coverage was limited to $2,000. Yes, I was underinsured, but the cost of increasing coverage to, say, $5,000 for 4 animals would have been prohibitive. So it's a glass half full. Some say the insurance premiums are just a way to save up for the inevitable need. If I did not have some insurance, I may not have spent the money to save her life. Since I did have the insurance, I had to use it.

I must say the service I received from AKC is extraordinaire. After submitting the claim I was immediately contacted and informed where my claim was with this company. Within a few weeks the check arrived with a full explanation of benefits. I would encourage other pet owners to get your insurance with this company. Highly professional in all areas of the business. I use to feel the premiums were a bit high, but after Scorpio's surgery I see now this plan is worth having in that I was reimbursed with a full explanation of benefits. My hat goes off to all involved in this process.

I purchased Embrace pet insurance for the peace of mind that I have protection on both of my dogs in case of emergencies. Thankfully, they have not had any injuries, but the wellness benefit we receive has made purchasing insurance more affordable. I receive immediate responses to my claims and it is very easy for me track my claims. I really like Ebrace's customer service.