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In late March 2009, I adopted an elderly cat from a shelter whose age was estimated to be 12 years old. I knew that because of her age that ilnesses were a probable part of her future. I also know how expensive veterinary care can be. So, I went on the search for a pet insurance carrier that would not only insure an elderly pet, but also provide a lot of coverage. Trupanion met my needs for her. The policy not only insures a pet that is as old as she, but provides an unlimited aggregate claim payout amount as well. The icing on the cake with Trupanion is that the copay is only 10%, which is lower than most other policies that provide comparable coverage. Six months after I adopted my elderly kitty, her kidneys began to fail. Sara has now been in kidney failure for over two years. Trupanion has been covering 90% of all of the costs for her lab tests and meds needed to monitor and treat her kidney failure, and even has been providing a small reimbursement for her prescription food. Processing of the claims for Sara's care has been efficient, and reimbursement is timely.

In late March 2009, I adopted an elderly cat from a shelter whose age was estimated to be 12 years old. I knew that because of her age that ilnesses were a probable part of her future. I also know how expensive veterinary care can be. So, I went on the search for a pet insurance carrier that would not only insure an elderly pet, but also provide a lot of coverage. Trupanion met my needs for her. The policy not only insures a pet that is as old as she, but provides an unlimited aggregate claim payout amount as well. The icing on the cake with Trupanion is that the copay is only 10%, which is lower than most other policies that provide comparable coverage. Six months after I adopted my elderly kitty, her kidneys began to fail. Sara has now been in kidney failure for over two years. Trupanion has been covering 90% of all of the costs for her lab tests and meds needed to monitor and treat her kidney failure, and even has been providing a small reimbursement for her prescription food. Processing of the claims for Sara's care has been efficient, and reimbursement is timely.

too many areas not covered for the amount of money paying for the insurance.

too many areas not covered for the amount of money paying for the insurance.

I have a slightly pricier vet than average, but have priced about half a dozen more in my area for various procedures and what ASPCA Pet Insuarance allows is about 60-70% of what is actually reasonable and customary in my area. I have submitted several claims and, after deducting everything that is disallowed or not covered, I usually get less than 50% back. I'm sure they're fine for basic injuries but while I was trying to diagnose a complex problem I had way to much out of pocket expenses to justify the high annual premiums.

Embrace is a great insurance company. Prompt processing of my claim and communication via email throughout the process.Would recommend.

I have had this pet insurance on 2 dogs for 3 years. It has been very good, reimbursing me some amount for every vet appt I have taken my dogs to.

A friend of mine recommended Embrace to me, and after researching several other companies I decided that this were the company for me.When my dog was injured, I submitted the bill, and in no time at all a check was sent. They followed up to see that I recieved it, only to discover that it was missing, due to post office error. Another was issued with no delay, no hassle. Everyone I have dealt with at this company has been warm, helpful and friendly.

My claim was processed quickly and they covered quite a bit of my dog's surgery!

Embrace has been the best pet insurance company i have ever had. they processed my pre authorization for my digs surgery and reimbursed me within 2 days of receiving the fax. they were caring and asked how mt dog dakota was doing after the surgery. im only sorry i never took the prescription plan :-(