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I recommend Embrace. I have had a comprehensive policy on my 9 year old cat for about a year. I have filed 4 claims in that time: a wellness claim for an annual exam, a dental cleaning with some minor issues, a senior exam (like an annual but this is an extra exam every year), and a skin/allergy exam and test. The wellness claim was paid (about $200), as it's a part of my policy. The dental claim was initially rejected based on a pre-existing condition. My vet wrote a letter to Embrace explaining that current research shows that the evidence they used to consider this a pre-existing condition is no longer thought to be very valid. Embrace took a few weeks to research this and then responded that the doctor made a good case and that not only would they pay the claim (about $200 after my deductible), but they would also add this new information to their claims review process for other clients. The third claim I filed was for the senior exam, and it was denied based on the fact that my wellness benefit was used up for the year (not a surprise), and the fourth claim, for skin/allergies, was paid. Embrace has been fantastic to work with. The monthly premium for my policy feels like a lot of money ($52 for accident/illness and $15 for wellness, yearly physical and shots), but they do seem to be completely reasonable and they communicate very well, and I have a senior pet, which means higher premiums anyway. Their policies and the explanations of benefit that ac

Outstanding customer service -- always polite, responsive, helpful, and thoughtful. The team is small enough so that I've developed relationships with several Embracers, but large enough where everything gets done, efficiently -- and on time! I've already recommended EMBRACE to everyone in my dog training class! Thank you for creating such a terrific organization. SZR

We have and will continue to recommend Embrace to every pet owner we know. We have been nothing short of pleased with the service and response Embrace has consistently proven to us. We tell this to our vet every chance so he recommends Embrace to all his patients (patients owners)!!!

I have recently insured my cats for the first time and purchased wellness coverage. I took one of my cats for a checkup as well as treatment for a pre-existing condition. When I submitted the claim, I indicated it was for a wellness checkup only. They caught and notified me of the mistake, and then politely reminded me when I was... well, lazy... about resubmitting the corrected form. Once they got the correction, they paid the claim really fast. Really, really fast, actually. One doesn't usually expect such conscientious customer service from an insurance company!

I did my research thoroughly and definitely wanted a 'wellness' program so after careful reading ALOT of the reviews on this site, I decided to get Embrace(they offer 100% on wellness w/ no deductible & no co-pays!) They are genuine when it comes to customer service and definitely care for your pet's well being. Prompt, courteous, responsive emails. PLUS they offer direct deposit!!! Even better !! Got an email stating 2 business days for my refund.

After my pitbull had undergone a couple of surgeries in her second year one of my sons-in-law suggested pet insurance and she has been covered by this company ever since. Their coverage has always seemed prompt and pretty generous and I have appreciated greater peace of mind over the years. My dog has done well over the years because of regular veterinary care, good diet and natural supplements designed to keep her as healthy as possible and I am hoping that nothing too serious will happen in the future but one never knows. She experienced hip dysplasia in one hip (the other looks great), tore both her cruciate ligaments at different times, had the top of her femur removed but hasn't had surgeries for many years. Recently she was diagnosed with Horner's Syndrome in one eye. I was told that 50% of such cases are idiopathic and go away on their own and her eye does seem to be looking much better recently.

Ever since I found out that the love of my life had hip and elbow displaysia it's been an up hill battle. Thanks to Embrace she will be able to get the rehab she needs for her hips to keep her from having surgery! THANK you THANK you Embrace!!

I have had this insurance for a year now and all they have paid out is approximatly $25. Every time I file a claim they seem to make some connection to an alleged pre-existing condition. I'm tired of fighting them because I always loose. I would love to switch but my hands are tied. Any condition my dog currently has will now be pre-existing to a new insurance. My hands are tied

My little girl Shade had had nothing but routine shots and checkups from her vet, then she got a nose infection and was treated, to a great outcome, the insurance asked for all her records, witch i had provided or so i thought at the beginning of her policy, that by the way i switched from another carrier that was to hard to deal with and very user unfreindly.After embrace contacted my vet and got what they needed it was straight forward and done in a very timely manner im very satisfied with my service and it only reinforces that I made the right choice to switch insurance carriers. P.S. notice Embrace took the lead in getting what they needed to compleate the claim instead of me having to take the time to play middle man, thank you Mark

My dog Loki got stung by an insect and needed 3 shots to settle it down. (It was just above his eye so he couldn't see at all.) I submitted my form 2 days later. Within 4-5 days, my claim was processed and accepted! So far, I am pleased with Trupanion. As a university student, I am really counting on this insurance to help me out with the unexpected vet visits! Thanks Trupanion!