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Our pet has been insured with Trupanion since we moved to the USA 6 months ago. We did some research and decided that it was a good option. Today we know that it was the best option because we received an excellent service after our Yorki swallowed something and got intoxicated.After submitting the claims, we started receiving e-Mail confirmations with the status and they contacted directly our vet to get the medical records. We received the reimbursment in lees than two weeks. I received my reimbursment checo in less than two weeks.

I really appreciate the follow up I've received from ASPCA in regards to insurance reimbursement claims I have submitted over the years. The are quite prompt in responding and make the claim process quick and simple (email/fax/mail). In my experience, it has been well worth investing in insurance for our little Norfolk Terrier, who has needed route or emergency care on occassion.

I have a young Gsd that I have taken out a policy that is extra for an on going problem.I have a Vet that takes a holistic approach to health&balance through diet ect.,my dog needs meds as well to help keep her from developing stones which would require surgery & would be quite painfull.The policy covers 80% of the meds cost & a yearly wellness visit with all the proactive testing I normally do twice a year so that is very helpfull.I also have the peace of mind that if God forbid something terrible were to occur, I would have insurance to help pay for it.Sincerily,Val Legaspi

I can't speak to other pet insurance companies' practices, as I've never used them. I can say, though, that my experience with Embrace has been really very pleasant, with fast turnaround times on claims and good communication to keep me informed of every step of the process. They've been very helpful, often asking the vet to fax add'l info to them when needed, rather than having me do it. Claims are paid at 80% after the yearly deductible, and the wait time for check-in-hand is only about 2 weeks from initial claim submission. I've had human health insurance claims that took longer! I'm a very pleased customer and would recommend Embrace to anyone.

Becoming a member if the Embrace Pet Insurance was a good idea. Claims are processed fairly and in a very timely manner. I recommend Embrace to anyone looking for a pet insurance company.

I signed up for Trupanion when I purchased my Cavalier at 3 mos. I did my research and Trupanion seemed like you got the best coverage for the best rate. Woops! Fortunately, I had no claims during the first year. Trupanion states in all their literature that their rates only go up based on Vet care in your area and breed. Nothing about increases approved by the state insurance commissioner or their profit and loss. After one year my rate went from $34 a month to $66. You can read all the reviews with their spokesperson's responses and it's the same mantra. It appears that they have now changed their policy and increases will be a regular occurrence based on additional criteria they are now implementing. I then began my search for a new company. VPI had a list of exclusions pages and pages long. Forget them. Others have increases as your pet ages, and some were even more than my newly adjusted premium. Reviews of various companies address claims concerns. Some claim denials seemed reasonable, but a good portion seemed unreasonable, i.e. your vet didn't provide as detailed documentation and now the insured is out of luck. Bottom line, unless you're the unlucky pet owner that spends a great deal of time at the vet, put your high monthly premium in the bank. For me over the course of 14 years, barring any further outrageous increases from Trupanion, I will have banked $11,088, not including that tiny bit of interest you earn at the bank today. In addition, you

I signed up for Trupanion when I purchased my Cavalier at 3 mos. I did my research and Trupanion seemed like you got the best coverage for the best rate. Woops! Fortunately, I had no claims during the first year. Trupanion states in all their literature that their rates only go up based on Vet care in your area and breed. Nothing about increases approved by the state insurance commissioner or their profit and loss. After one year my rate went from $34 a month to $66. You can read all the reviews with their spokesperson's responses and it's the same mantra. It appears that they have now changed their policy and increases will be a regular occurrence based on additional criteria they are now implementing. I then began my search for a new company. VPI had a list of exclusions pages and pages long. Forget them. Others have increases as your pet ages, and some were even more than my newly adjusted premium. Reviews of various companies address claims concerns. Some claim denials seemed reasonable, but a good portion seemed unreasonable, i.e. your vet didn't provide as detailed documentation and now the insured is out of luck. Bottom line, unless you're the unlucky pet owner that spends a great deal of time at the vet, put your high monthly premium in the bank. For me over the course of 14 years, barring any further outrageous increases from Trupanion, I will have banked $11,088, not including that tiny bit of interest you earn at the bank today. In addition, you

It's my first time with pet insurance and after many trips to the vet I decided to buy embrace ins. I am very pleased with the company and the claims are processed quickly. When my yellow lab was diagnosed with elbow problems,I am very glad to have some insurance to help her. I would recommend embrace to anyone who has pets.They also keep in touch by email which is helpful. It's a good company.Thank you Embrace.

I like the friendly people I get e-mails from and speak to on the phone but, So far every claim I have submitted has no been processed correctly. I really like this insurance and have chosen to stay but they need to educate their staff on how to properly read an itemized bill so they can pay the claims properly on the first submission.

I decided to get pet insurance after a couple super expensive bills I got from our local animal hospital that I had to pay out of pocket. I dog the insurance at what I think is a very fair price. I had it for about a year until my dog Sara developed a mammary tumor that had to be removed. I felt peace of mind knowing that I had my insurance to fall on to. Even though it wont cover the whole bill it helps so much. The claim take about to months to process and it will cover over 60% of your expenses. I think this is a great service and recommend it to anyone that owns a pet. WORTH EVERY DIME!!!