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Customer rep were thorough and polite. Answered all my questions quickly and were helpful.

Our two pomeranians have had embrace as their insurance provider for the past 3 years or now but boy are we regretting it. After faithfully paying out a considerable # of claims for us, Embrace has decided to CHANGE THE RULES in terms of their amount of reimbursement. Our two dogs need laser treatments for the continued ailments, and instead of providing us with full/almost full coverage (as they used to provide) of said laser treatments , they are now paying us a maximum of $50 (for a $200+ treatment). They have also decided that a recent injection (an antibiotic) for one of our dogs was "overpriced" by the Vet, and they refunded us $25 instead of the $150 the injection cost us. So ALL OF A SUDDEN, Embrace has switched what was their routine procedures/reimbursements with us, to their liking. We don't know what other provider we will switch to, but I can tell you from our experience Embrace is becoming more and more unethical. STAY AWAY from Embrace.

So far I have had a very fast turn around when processing the claim and processing the payment. Any questions that I have had, the person that I talked to was very efficient, helpful and pleasant. Also email follow up was very good. I don't have any complaints

So far I have had a very fast turn around when processing the claim and processing the payment. Any questions that I have had, the person that I talked to was very efficient, helpful and pleasant. Also email follow up was very good. I don't have any complaints

I was always very skeptical about pet insurance and thought it was a complete waste of money, but have been completely proven wrong based on the excellent experience I've had with Trupanion over the past few weeks. Our 11 month old German Shepherd became very ill and needed invasive emergency surgery on his intestines to correct an intussusception. It also required prescriptions, overnight stays, etc. As promised, Trupanion covered 90% of the costs and we received over $5000 back on the series of bills associated with his surgery. Trupanion was also extremely responsive – taking our calls on a Sunday evening with questions, sending emails with progress on our claim, and getting the check in the mail to us within a couple weeks. I would recommend (and have been!) Trupanion to any dog owner I know – they have saved us from considerable debt, provided a lot of peace of mind during a tough time, and enabled us to continue to spoil our dog rotten rather than pay his vet bills!

I was always very skeptical about pet insurance and thought it was a complete waste of money, but have been completely proven wrong based on the excellent experience I've had with Trupanion over the past few weeks. Our 11 month old German Shepherd became very ill and needed invasive emergency surgery on his intestines to correct an intussusception. It also required prescriptions, overnight stays, etc. As promised, Trupanion covered 90% of the costs and we received over $5000 back on the series of bills associated with his surgery. Trupanion was also extremely responsive – taking our calls on a Sunday evening with questions, sending emails with progress on our claim, and getting the check in the mail to us within a couple weeks. I would recommend (and have been!) Trupanion to any dog owner I know – they have saved us from considerable debt, provided a lot of peace of mind during a tough time, and enabled us to continue to spoil our dog rotten rather than pay his vet bills!

I researched pet insurance companies a year ago. I had narrowed it down to 2 pet insurance companies I liked. Trupanion and PetPlan. At the time, I chose Trupanion b/c everyone said there were no surprise insurance hikes from year to year. The others could go up depending on the pet's age, etc. I have now had Trupanion pet insurance for 1-year and I just found out my insurance rate is jumping next year by 39% and 41% for each dog for 2012 (I have 1 and 2-yr old swissy's). WTF? My 1-yr old swissy had torn her Superficial Digital Flexor Tendon a month ago...and the company "says" it is not b/c of my claim. (Surgery alone cost $1750). They say vet bills, in general, has gone up in our area over the last year. Weird. I am still paying the same prices at my vet this year as I did a year ago (same office fee, same exam fee, etc). I am extremely unhappy about this. The only way to keep my monthly payment the same is to change my deductible from $400 to $1000 per year. Might as well not pay for pet insurance and just save that monthly payment in an account. I am trying to switch to PetPlan, but now none of my dog's pre-exsisting conditions will not be covered. Total Crap!

I researched pet insurance companies a year ago. I had narrowed it down to 2 pet insurance companies I liked. Trupanion and PetPlan. At the time, I chose Trupanion b/c everyone said there were no surprise insurance hikes from year to year. The others could go up depending on the pet's age, etc. I have now had Trupanion pet insurance for 1-year and I just found out my insurance rate is jumping next year by 39% and 41% for each dog for 2012 (I have 1 and 2-yr old swissy's). WTF? My 1-yr old swissy had torn her Superficial Digital Flexor Tendon a month ago...and the company "says" it is not b/c of my claim. (Surgery alone cost $1750). They say vet bills, in general, has gone up in our area over the last year. Weird. I am still paying the same prices at my vet this year as I did a year ago (same office fee, same exam fee, etc). I am extremely unhappy about this. The only way to keep my monthly payment the same is to change my deductible from $400 to $1000 per year. Might as well not pay for pet insurance and just save that monthly payment in an account. I am trying to switch to PetPlan, but now none of my dog's pre-exsisting conditions will not be covered. Total Crap!

I am pleased to have this type of insurance for my pet. The monthly payment is very affordable.

I got ASPCA for my english bulldog right away when i got him, he was only about 10 weeks old. Well, while waiting for the insurance to kick in which is usually 30 days, he ended up having pneumonia, so he was coughing and vomiting, so I took hime to the vet, he ended up in the emergency hospital for a whole weekend which cost me an arm and a leg but I dealt with it since the insurance waiting period didn't kick in yet. So about a couple months after, he started vomiting again and after having an xray done, nothing showed, he needed to be hospitalized several times due to dehydration but I didn't really worry since i already had insurance. Well, after going back and forth to the vet, I decided to take him to a different vet where they did an ultrasound and found ulcers in his esophocus and stomach. very expensive procedure but again I thought I don't have to worry, ASPCA will cover 80% of all that mess. Well I was wrong. After he was cured, I was well over $5000 dollars from all the tests, hospitalization and all. I sent in all the claims and they denied it saying since he vomited before the insurance kicked in, they are calling it pre-existing. I got a letter from each vet stating that he was vomiting before due to pheumonia, this now is ulcers and it should be covered. But they denied everything. And whats worse is that I got the best plan that I pay over $60 a month. They said I can write a letter stating why ASPCA should pay but honestly, I highly doubt that will help. Any