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When purchasing health insurance for our then young golden retriever, we did it for peace of mind. If she were ever to have a health crisis, we knew we would never be forced to choose between financial considerations and Sadie's life. We have been fortunate with our girl - no life threatening illnesses. But Pets Health has been more than fair in defraying the often expensive costs of keeping her well. Customer service is wonderful and the company is fair and responsive. As Sadie aged we added a continuous coverage rider, which essentially eliminates the pre-existing condition clause. That has been worth every penny. I highly recommend PetsHealth.

After searching long and hard for vet insurance, and reading more reviews than a can remember, I decided to go with healthy paws. I am extremely disappointed. I enrolled both of my dogs (F pitbull, Dutch and M pittbull mix, Duke) for coverage. I have never filed a claim with them until recently. My dog dutch ruptered her cruciate ligament. After paying 2,100.00 for surgery I decided pet insurance was a good idea. So when choosing healthy paws I read to make sure that it would be covered if she were to need any other surgeries or if her other knee needed surgery. According to their website it would not be considered a "pre-existing" condition because it was not genetic, but just an injury that occurs. Well when trying to get pre-approved, luckily I had not completed the surgery yet, they denied me. Now I have wasted money on this insurance which I could have been putting into a savings account. In my opinion, pet health insurance is a waste.

A couple weeks ago our yellow lab with a history of eating small items of clothing couldn't keep food down for four days. Indications were she might have an intestinal blockage. Of course, we needed to take her in on a Sunday, so our vet was closed. We had to use an emergency vet, and the estimate was $775 minimum and $2200 on the high end. Having insurance gave us the financial stability to be thorough with her care. Two days and $900 dollars later our dog was fully recovered. We spent about $600 dollars total out-of-pocket ($500 of it our deductible). Embrace refunded the rest. I would recommend Embrace to anyone.

As always, Embrace came through for us again. They tease me in their office that the dogs who know they'll have medical issues always choose us to adopt them. This time it was our wobblers dog, Dag. His wobblers was pre-existing, so it has never been covered, but two months ago he was diagnosed with Lyme's disease and then two weeks later, tore his ACL. Since he's not a good candidate for surgery, Embrace covered the cost of a wonderful Orthopet stifle brace for him and he's back hobbling around like normal. I'm betting there are lots of pet ins. companies out there that don't cover things like our brace. Thanks, guys.

This is my first experience with a pet insurance company. I just wish I had done it sooner. I took Storm in to have a lump checked out and after the needle biopsy came back inconclusive he had surgery to remove it. My vet faxed in the claim forms, but I had neglected to sign it. The very next day I got an email stating this, so was able to sign a copy of the form, fax it back and about two weeks later I got a check in the mail. Thanks Embrace for following up so quickly and responding to all of my emails in such a timely manner.

We decided to get pet insurance for our yorkie about the time both our cats got ill and had hundreds of dollars in vet bills for tests, prescriptions, etc. Then the yorkie fell ill with leg lameness and i was so happy to have had the insurance. It is great peace of mind to know that if she gets ill again we don't have to worry about the cost of going to the vet. Highly recommend pet insurance!

I decided to invest in pet insurance with my new pup after spending a lot of money on my pets in their elder years. I did it solely as a preventative measure for the future, not anticipating I would need to call on it when Dakota was only 1.5 years old. Dakota tore both her ACLs and needed TPLO (knee surgery) for both. The operation for each knee was to be over $3500. My first thought was honestly, "ok, good, I have insurance for her, but I am sure I am going to get screwed somehow with trying to claim both surgeries." The thought based on how difficult it has been with Human insurance, why would pet be any different? Trupanion blew my perception out of the water. Not only did they cover 90% of both surgeries, they made it incredibly easy to make the claim and I received consistent communication from them via email as to where my claim was in the process. And all wrapped up within 2 weeks (including check in hand). Plus, any time I did talk to a representative, they were beyond friendly and helpful. I have been recommending them to friends ever since (plus my vet)... She's a new dog to come (still healing) and set to be healthier than before the surgery. And I am not paying off my credit cards for the next couple years!

I decided to invest in pet insurance with my new pup after spending a lot of money on my pets in their elder years. I did it solely as a preventative measure for the future, not anticipating I would need to call on it when Dakota was only 1.5 years old. Dakota tore both her ACLs and needed TPLO (knee surgery) for both. The operation for each knee was to be over $3500. My first thought was honestly, "ok, good, I have insurance for her, but I am sure I am going to get screwed somehow with trying to claim both surgeries." The thought based on how difficult it has been with Human insurance, why would pet be any different? Trupanion blew my perception out of the water. Not only did they cover 90% of both surgeries, they made it incredibly easy to make the claim and I received consistent communication from them via email as to where my claim was in the process. And all wrapped up within 2 weeks (including check in hand). Plus, any time I did talk to a representative, they were beyond friendly and helpful. I have been recommending them to friends ever since (plus my vet)... She's a new dog to come (still healing) and set to be healthier than before the surgery. And I am not paying off my credit cards for the next couple years!

We have had Embrace pet insurance for just a few months and I have to say I am so impressed with their personal touch. I can email them and they get right back to me, I receive personal emails about claims or follow-up. I've had one initial claim for my border collie lab mix ortho exam and it was processed quickly and efficiently. I appreciate their caring nature, a complete opposite from the the Three letter insurance company we had before! Thank you to all the Embracers, we look foward to a long relationship. I have recommneded Embrace to all my family and friends. Kathy

I have had nothing but good experiences with Embrace from the beginning. They have been helpful on the phone and quick to pay claims.