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We decided to insure our new puppy after the experience of caring for a bone cancer victim who outlived her prognosis, which was great but very costly to us. Sifting through the possibilities Embrace stood out not only for the structure of their plans but the customer reviews really pointed to a company that stood apart from its competitors. We have not been disappointed. Wonder is only 18 weeks old now, but she has had the usual puppy troubles, an intestinal parasite and then a urinary tract infection. Embrace has been prompt and fair in handling our claims. Their Wellness benefits program which actually pays out more than your premium is a great incentive to give your pet the best care possible. I( hope to have a long, satisfactory relationship with Embrace.

Submitted claim for foreign body ingestion and it was reviewd and paid within a week. The customer service staff is very helpful and polite.

I had tried VPI for a couple of years and was very unhappy with the amount of their reimbursements. Shortly after I switched to Embrace my Mastiff was diagnosed with a bladder problem that will require medication for life. Embrace covers 80% of this each month promptly with no hassle. I would recommend them.

Takes the edge off of emergency payments and regular vet visits, which are super expensive in NYC

My lab is only two years old and I have already filed three claims on him! Each time, I was pleased with the quick replies that I received when I filed my claims. I am so glad to have taken out the insurance, as I knew my full-blooded lab might need special help as he matures. I was so relieved that I had insurance.

I was really pleased how fast the claim payment was deposited. Everything is fast form prequalification to reimbursement, nice and clear documented, you know exactly what you get. I am so glad I chose Embrace and I recommend it to everyone

I got Trupanion when Zorro first came home and have never doubted that choice or decision or what it has cost me each month it has provided me in reassurance a million times over making it worth every penny. I love being able to get advance approval for those non emergency incidents and have never had a request denied, or questioned. The process for claim is easy and the payments come so quickly. I have friends who where insured with another company and wait months for payment on claims, oh no I dont think so. Never more than a week with any claim Ive filed with Trupanion. The peace of mind is worth every penny, and the knowledge that no matter what happens the decision I make will not have to be focused on the bottom line!!

I got Trupanion when Zorro first came home and have never doubted that choice or decision or what it has cost me each month it has provided me in reassurance a million times over making it worth every penny. I love being able to get advance approval for those non emergency incidents and have never had a request denied, or questioned. The process for claim is easy and the payments come so quickly. I have friends who where insured with another company and wait months for payment on claims, oh no I dont think so. Never more than a week with any claim Ive filed with Trupanion. The peace of mind is worth every penny, and the knowledge that no matter what happens the decision I make will not have to be focused on the bottom line!!

October of 2010 my 4yr old dog was diagnosed with Histiocytic Sarcoma (cancer) on all four paws. Some people were telling us to put him down. The unusual presentation of his disease had us doubting this diagnosis so, we went to see specialists. The testing was very expensive but Embrace covered exactly what they said they would. Some of our many bills since August have been over $1,300. Good news! It's not cancer, but a related autoimmune disease with a similar name. He isn't dying and can have a decent quality of life. I'm happy that because of Embrace we had the financial ability to get the correct diagnosis and treatment for our wery loved pet.

I've had multiple claims denied for my dog (and was a customer for years). For some reason or another, they will say that whatever it is I'm claiming, that it is a "result" of some other pre-existing codition that I did not even put a claim in for (nor is it related). They put in multiple requests for medical records years back so they could do everything in their power to find some other illness to "link" the new problem to. For example, my dog was putting on extra weight(and had other issues), so the vet had thyroid tests (bloodwork) done to rule out an abnormal thyroid. I was told the claim was denied because the blood test came back "negative" and that the claim was a related issue of skin allergies...huh?? Simply because I happened to have my dog in that day for a visit for her allergies (that I do not claim). They couldnt even pay for that portion of the visit, her bloodwork to check her thyroid, which was something totally unrelated to her skin allergies. Im sure if my dog breaks a leg or something that too will be related to allergies...Only thing I can say is that customer service is quite pleasant to speak with as they are spewing out excuses of why they won't pay.... I work in healthcare and constantly have to fight with Aetna to pay for services for my patients, I guess why would their pet insurance be any different? Sad.