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My first experience using my Pet Insurance was a stress free one. The claims process was done completely online. The claim was processed within one week. The policy covered 80% of the amount that was above my policy deductible. I have enrolled in the direct deposit option and this will expedite the reimbursement process.

One week before Thanksgiving our 2 year old Mastiff became ill. Upon waking Thursday morning she was lethargic and disinterested in eating/going out. I left work early to get her to our vet. Initially they suspected an intestinal blockage per xrays. Upon doing blood work they found her red blood count was down to 9% and she needed an immediate transfusion. We rushed down to the nearest emergency care facility (an hour away) where she was diagnosed with Immune Mediated Hemolytic Anemia (IMHA). She spent the better part of ten days at the facility receiving round the clock care and numerous blood transfusions and expensive immunosuppressants. She finally began to stabilize after 8 days. My wife and I were worried that we were going to have to make the hard choice. Thank goodness we didn't. We submitted a claim of over 10k to Trupanion. They covered everything save for our $100 deductible and a 10% copay. She still has a long way to go, 6-8 month of treatment, and even then there is no guarantee that her disease won't strike again. But we feel confident that if it returns (or if another problem comes up), Trupanion will take care of us. Not only would I recommend them to anyone I know, I will never have another dog that isn't insured by Trupanion.

One week before Thanksgiving our 2 year old Mastiff became ill. Upon waking Thursday morning she was lethargic and disinterested in eating/going out. I left work early to get her to our vet. Initially they suspected an intestinal blockage per xrays. Upon doing blood work they found her red blood count was down to 9% and she needed an immediate transfusion. We rushed down to the nearest emergency care facility (an hour away) where she was diagnosed with Immune Mediated Hemolytic Anemia (IMHA). She spent the better part of ten days at the facility receiving round the clock care and numerous blood transfusions and expensive immunosuppressants. She finally began to stabilize after 8 days. My wife and I were worried that we were going to have to make the hard choice. Thank goodness we didn't. We submitted a claim of over 10k to Trupanion. They covered everything save for our $100 deductible and a 10% copay. She still has a long way to go, 6-8 month of treatment, and even then there is no guarantee that her disease won't strike again. But we feel confident that if it returns (or if another problem comes up), Trupanion will take care of us. Not only would I recommend them to anyone I know, I will never have another dog that isn't insured by Trupanion.

I have a 3 year old lab that I insured from a puppy because I had previous problems with another dog. They have raised the premiums twice now and I have just received another notice they are increasing my premium - ALMOST DOUBLE!! My lab has had skin problems and now I can't even go to another carrier and be covered because this would be considered a pre-existing condition. It's absolutely criminal that they can get away with this and don't have to answer to anyone. They can arbitrarily decide to double my premium - I feel like I've been dealing with the black market. I would stick with a plan that offers premiums that often

I filed a wellness claim and received an e-mail letting me know it was received immediately. Within 10 days I had a check delivered in the mail. The response from Embrace is faster than my health insurance claims! I am very happy with my coverage and attention from Embrace.

A few months ago we lost our beloved 13 year old cat Perry. Being a military family, Perry supported me through several tours of duty separations including my husband's deployments to Iraq... so this totally broke our hearts. A couple of months we adopted a beautiful kitten we named Schonau, a sweet boy who really started to ease the pain of losing Perry. The day we returned home from our Thanksgiving trip Schonau started a series of seizures that we have yet to get under control. The pain of losing our greatest little love and the thousands of dollars spent (and we are still paying off) in the process, is only exacerbated by the fear of losing our new little one and the additional thousands of dollars that we have just incurred over the last 3 weeks. With all of this stress, financial expense, and the upcoming holidays we thought we would have to cancel gift giving this year, but I am so glad that I made the investment of insuring Schonau under TruPanion. We are still trying to find the cause of the seizures and trying to save his beautiful life and it was such a relief to know that Trupanion covered 90% of his vet bills. We were worried that we wouldn't be able to afford anymore care for his ailment and we now have the hope that we can continue to support our little Schonau. Because my husband and I had determined that we would forego any gifts this christmas in order to help afford all of these vet bills, Trupanion truly saved our christmas. I am so glad that I signe

A few months ago we lost our beloved 13 year old cat Perry. Being a military family, Perry supported me through several tours of duty separations including my husband's deployments to Iraq... so this totally broke our hearts. A couple of months we adopted a beautiful kitten we named Schonau, a sweet boy who really started to ease the pain of losing Perry. The day we returned home from our Thanksgiving trip Schonau started a series of seizures that we have yet to get under control. The pain of losing our greatest little love and the thousands of dollars spent (and we are still paying off) in the process, is only exacerbated by the fear of losing our new little one and the additional thousands of dollars that we have just incurred over the last 3 weeks. With all of this stress, financial expense, and the upcoming holidays we thought we would have to cancel gift giving this year, but I am so glad that I made the investment of insuring Schonau under TruPanion. We are still trying to find the cause of the seizures and trying to save his beautiful life and it was such a relief to know that Trupanion covered 90% of his vet bills. We were worried that we wouldn't be able to afford anymore care for his ailment and we now have the hope that we can continue to support our little Schonau. Because my husband and I had determined that we would forego any gifts this christmas in order to help afford all of these vet bills, Trupanion truly saved our christmas. I am so glad that I signe

I would like to thank Embrace for reimbursing me for a fair amount of the veterinarian services that was performed on one of my two cats that I have recently. I had previously had two other cats as pets before I had the two I have now, but never had pet insurance. I always thought it was unecessary and perhaps a bit of a scam. So I took the two cats I had then to the vet at times and paid full cost for services. I had those two cats for over 16 years. I can now say however that I truly regret not obtaining pet insurance then. Embrace Pet Insurance, at least on their part, have shown me that it is indeed a worthwhile investment to have pet insurance to help ease the financial costs of having a pet. Especially two. I am especially pleased at how Embrace has handled the claim. The Company is professional and the claim was processed in the time frame they spoke of which is good enough for me. I urge anyone out there on the fence thinking about getting pet insurance or not, to do so. And I absolutely recommend Embrace Pet Insurance. I'm glad I did!

Almost instant emails regarding any information requested or just an update on your claim. Customer service like we had in the 50's ... now practically non-existant.

Hartville Pets Health Plan is good except for one major problem: when the insurance date rolls over, anything you discussed with your vet before that date is considered "pre-existing". BS if you ask me. My date was mid-December, and we discussed some options with my vet in November but didn't pursue the treatment until January. The claim was denied on account of it happening in a previous year, despite being with the company for 8 years! I have left the company over this.