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I recently filed two claims and was extremely surprised and impressed with the quickness of the response to those claims. I was informed when they received the claims. I was informed when the claims were under review. I was informed when the claims were processed and was advised of the amount of my reimbursement. Embrace even emailed me to make sure I received the claims payment. And, all of this was done within a matter of about 10 days. Very impressed!

Our Shih Tzu was diagnosed with renal failure when she was just over a year. Trupanion has made it possible for us to afford the best care to manage her health and give her the quality of life she deserves dispute her diagnosis. They cover what they say they cover and have the best customer service! We recommend Trupanion to everyone!

Our Shih Tzu was diagnosed with renal failure when she was just over a year. Trupanion has made it possible for us to afford the best care to manage her health and give her the quality of life she deserves dispute her diagnosis. They cover what they say they cover and have the best customer service! We recommend Trupanion to everyone!

This policy helps with the bumps, bruises and illnesses, and in general the reimbursements seem fair. It gives us peace of mind that is something big happens we'll be better able to manage.

Trupanion has let me down to the tune of $2500, be very careful. After many years of cat ownership and paying lots of vet bills out of pocket, I decided to get pet insurance (I had just adopted my second shelter cat in recent years). My older cat (five years old) had bladder stones removed when he was three. Since that time (two years ago he had perfect check ups and no issues). Two years after the problem, he started having issues. An ultrasound showed what looked like bladder stones again. I had the surgery done, turned out to be "grit" in his bladder this time. After the first surgery. my vet had said he did not know if stones would re-occur, but to help he suggested many things, as much water and canned food as I could get in him, and Hill's Science Diet suggested dry KD (kidney diet) food. My cat is not a big canned food eater but I got as much in him as he would take. So flash forward to this year, and the bladder grit. Trupanion DENIED the entire claim because (an only because) according to them, the DRY FOOD was an indication of treatment therefore this was a preexisting condition that did not meet their 18 month preexisting clause. So... using that logic, if I had fed him "grocery store" cat food they would have paid the claim? This is so wrong and I am doing whaetver I can to try to get them to pay this. Any help or advice on the claim process would be greatly appreciated. I've already appealed and their "independent" third party reviewer agreed with th

fast to respond; with proper docs no challenges; timely compensation; very business like

fast to respond; with proper docs no challenges; timely compensation; very business like

Embrace is a wonderful insurance company. Sadly I lost one dog to sudden illness which cost me around $6,000. That lead me to look into health insurance for my other dogs. A year later my pomeranian needed extensive testing for a coughing issue. Embrace covered ALL of her tests and sadly when she died a few months after. The claim was in the thousands each time. It was such a relief to be able to tell the vets to do anything they needed to. I knew I was covered and didn't have to worry about the cost. The claims are processed pretty quickly and the staff is very nice and responsive. I hope I don't have to use the insurance anytime soon again and have healthy dogs but at least I don't need to worry about the costs.

This is my first time getting pet insurance, even thou I have had 2 other dogs...My first experience with Embrace, was with Mike, who was just awesome, he explained everything to me and this took time. Here are the tips I found to be important to me: excellent, excellent customer service from the time that a rep anwers the phone until the call is complete. 2) i have the wellness plan,which many other pet insurances dont have. i love it. They have great reimbursement. Their coverage is better than whats out there for pet insurnce..Peace of Mind and pays claims quickly. Most,,most ..important to Me and my dog Minnie is that I chose the vet I want my dog to visit for all her care. there is no pet clinic etc. I didnt want that. I wanted the vet I had from the previous pets...and thats peace of mind and more important close to home...Pls think about this. Years ago pet insurance was not a option and animal lovers had to make a choice with insurance you dont, unless it very serious. I will continue to stay with Embrace!!!!!!!!!!!!

The claim was processed in 2 days and my check arrived on the 5th day after the claim was submitted.