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Was able to fax the forms to the claims center. They were acknowledged within 2 days and within the week and I was notified as to what amounts to expect as reimbursement. They do not pay for "consultations"--(the Vets examination necessary before the Vet institutes treatment). Unlike human health insurance, they were true to their word and reimbursed 90% of the bills after I paid my deductible. Took about 2 weeks to received the checks in the mail. The Vets wanted a deposit up front--as soon as we said we had Trupanion insurance, they went right to work. I am so glad we had the insurance! Our Marcus is healthy and happy again due to the excellent and immediate care received. Great investment and peace of mind.

Over the years I have enrolled my pets in several pet insurance providers, from better known to lesser known providers. I'll spare the other providers from my opinion of them as I would like to focus solely on the outstanding service provided by Embrace. I have a 2 year old beagle who has been reasonably healthy until lately. She has been vomiting constantly and has not been herself. She had to go through a battery of tests and procedures to determine the root cause of her ailment. As we all know the bills start piling up at that point. After several substantial bills from the local Vet and the emergency Vet hospital I submitted my claims to Embrace using their pre-filled claim form. All I had to do was attach the invoices and fax them over to Embrace. I received email notifications the same day I sent in the claims. Embrace sent me weekly updates letting me know the status of the claims process. Two to three weeks later I received the claim . This was our latest claim experience which was the same as all prior experiences with Embrace. You will not find a better pet insurance provider than Embrace Pet Insurance. I have had numerous pets on no less than 5 different pet insurance providers over the years. Every other provider took quadruple the time to process claims and never lived up to what they claimed to be "covered" ailments. All the other providers looked for excuses not to pay using "breed tendencies" and other creative ways of minimizing claim reimbursemen

My dog Macie got sick in October. I took her to the vet, which can generate a scary bill. I start with a few services to see if that would make her feel better, which it did. I submitted my claim form and a check arrived a few weeks later.

THIS IS A SCAM!I have three cats and pay for level 4 insurance for them. Just recently submitted a claims of ($400.00) for my 1yo cat for neutering. After all the "disallowed" item ie blood test, and annual deductible I got $66.00 back. I too ask them to give me a list of "customary cost for my area in SF" and was told that they couldn't give me this info. Will definitely shop for another pet insurer.

I have dealt with other pet insurance companies over the years with other pets and this company is by far the best!!

I have dealt with other pet insurance companies over the years with other pets and this company is by far the best!!

received, prompt, courteous service

I have had the joy of owning four Beagles, the latest onebeing Lady, a Tennessee rescue that I adopted through the Anti Cruelty Society two years ago. She is the joy of my life! As soon as I could, I enrolled her in Pet Insurance. I have enrolled all of my pets because you never know when you will need to have it. The insurance has helped to pay for surgery as well as some office visits of my pets and while it doesn't cover everything, it is wonderful to know there is help for our four legged friends when it's really needed. I had overlooked the fact that Pet Insurance covers the annual exam and certain tests. I found out when they called me from Pet Insurance to let me know I was indeed eligible to have part of Lady's bill paid. As I live on Social Security, this was indeed a blessing.

I lost my last dog to cancer that could of been treated...but due to the cost...the hardest decision I ever made was to put Cheech down. I swore I would never own another dog. One day about a year ago a stray puppy with the exact same coloring of Cheech ended up in my yard...then in the house...while searching for low cost pet care I ran across pet insurance. I researched all the companies and found what seemed the best..filed my first claim recently and honestly..Pets Best exceeded my expectations

This is my 2nd claim, paid without any problems or questions. Our greyhound decided our cat's special toy was a snack.Fortunately, it came up with minor intervention from the vet and equally no hassle from Embrace about processing or paying. My first claim was denied initially as pre-existing, but with some follow-up info from the vet was paid promptly. The payment helped a lot as I only had paid $33 on a visit to an emergency clinic. THis particular toy is now closely monitored when the cat is playing with it.