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I had this coverage on my Lab/Chow mix, Angel, for ten years. The renewal premiums always seemed reasonable to me for the coverage provided. I was purchasing peace of mind. If there was an accident, or when she was hospitalized for two weeks with pancreatitis at the end, I knew that at least some portion of my expenses would be recovered. I submitted several claims over the years, including two ACL surgeries, and felt that the reimbursement rates were fair. If I could suggest a change to the coverage, it would be in the pre-existing clause. If your pet is diagnosed with some illness and/or injury, when your policy renews, it is then considered a pre-existing condition and there is no further coverage for that issue. Overall, I had a positive experience with the coverage, and would purchase it again.

Embrace quickly handled my claim. In addition, what really impressed me was the personal correspondence from them. I had some questions about filing my first claim, and they walked me right through it. The individual treatment was a really nice touch. I too had switched from VPI to Embrace, and am very glad I did.

Inconsistent reimbursement. They did very well with one of my cats, and NOTHING (!!!) for the other one. Wouldn't recommend them because of this inconsistency. Also, no real assistance via telephone regarding protest of their non-payment. Lots of paperwork needed to request a review, including several LAYERS of review. I canceled both cats' policies and went to another provider.

For many years I had my dogs policy with VPI..What a mistake!! They allow so little you get back with each claim!!I last sent in a claim for 450.00 and got back 175.00I am so glad my friend told me about Trupanion and EVERY call to their customer service for anything was 101% PERFECT!!! I just enrolled my dog Frisco and had the great fortune of having Sarrah handle the transaction.She handled the process with ease and amazing knowledge!By the way they have an A rating with the BBB and I am thrilled I found Trupanion!!!

For many years I had my dogs policy with VPI..What a mistake!! They allow so little you get back with each claim!!I last sent in a claim for 450.00 and got back 175.00I am so glad my friend told me about Trupanion and EVERY call to their customer service for anything was 101% PERFECT!!! I just enrolled my dog Frisco and had the great fortune of having Sarrah handle the transaction.She handled the process with ease and amazing knowledge!By the way they have an A rating with the BBB and I am thrilled I found Trupanion!!!

I recently had to ask several questions about our insurance benefits when our sweet Lola injured her leg. At first we thought she was going to need orthapedic surgery and we werent sure how to go about applying for the benefits and how to work with the vet on this. Embrace answered our questions quickly and very clearly but what impressed me the most was their kind and compassionate way they helped me. I had the very clear idea that they truly cared about Lola's injury and helping as best as they could to make sure she got the care she needed. I have seen several advertisements at pet stores and at vet offices for other insurances, but I have never even opened the brochures because Embrace has offered the best personal compassionate service.

This was our first claim. The form was easy to understand and the Vet's office was very helpful in providing all the necessary information. The process was quick and easy.

My basset hound was diagnosed with canine cystinuria, which is very rare, at the age of one. This is a genetic disease, which many insurance companies would not cover. Fortunately, we insured him through Trupanion. We have 90% coverage, and are fortunate to have had over $5000 in vet bills paid for by Trupanion. Just 3 months ago, at age 2.5, he blocked with cystine stones and needed emergent care and surgery. He was in the hospital for 4 days. I have since switched my older basset girl to Trupanion insurance. We are really relieved to know that Trupanion will take care of our two bassets when they need veterinary care.

My basset hound was diagnosed with canine cystinuria, which is very rare, at the age of one. This is a genetic disease, which many insurance companies would not cover. Fortunately, we insured him through Trupanion. We have 90% coverage, and are fortunate to have had over $5000 in vet bills paid for by Trupanion. Just 3 months ago, at age 2.5, he blocked with cystine stones and needed emergent care and surgery. He was in the hospital for 4 days. I have since switched my older basset girl to Trupanion insurance. We are really relieved to know that Trupanion will take care of our two bassets when they need veterinary care.

Amanda Rose is a lively, active 3 year old Calico. So, when she just wasn't behaving as usual, off to the vet we went. Four visits later, after blood tests, x-rays, 4 different prescriptions, various urine, kidney, etc. tests, she was finally over an unkown illness which resulted in a high fever. Obviously, she had to have whatever the vets ordered, but I will admit that each time we walked in the door, I could see $ signs in front of my eyes. Our coverage with ASPCA is a Godsend. A good majority of the bills were covered, the claims were processed quickly and I could see the status of the claims online so I was aware of exactly what amount of each bill submitted was being paid and when the check was issued. We would recommend this coverage to any pet owner - we make sure that our Mandy is well csred for and ASPCA takes good care of us!