Find and read reviews with confidence

I just enrolled today and have not yet submitted a claim. What I can tell you so far is that my previous coverage with another insurer cost $40 more per month, had a lifetime maximum of about $5,000 (my kitten is barely 2 years old), a $100 deductible, 90% coinsurance and their claims payment practices were atrocious. To get reimbursement for a simple claim, I had to send her medical history in 7 times, my vet sent same history in 4 times and the claim has still not been paid after 4 months of phone calls and emails. Trupanion is not only cheaper but the coverage is better: nil deductible, same coinsurance, but no lifetime maximum. I'd give you a 10 but you don't have microchip tracking.

I just enrolled today and have not yet submitted a claim. What I can tell you so far is that my previous coverage with another insurer cost $40 more per month, had a lifetime maximum of about $5,000 (my kitten is barely 2 years old), a $100 deductible, 90% coinsurance and their claims payment practices were atrocious. To get reimbursement for a simple claim, I had to send her medical history in 7 times, my vet sent same history in 4 times and the claim has still not been paid after 4 months of phone calls and emails. Trupanion is not only cheaper but the coverage is better: nil deductible, same coinsurance, but no lifetime maximum. I'd give you a 10 but you don't have microchip tracking.

I have been with Embrace for three years and they haven't dissapointed me yet. Every single claim I have sent in has been met with quick swift response. I own a Chocolate Lab and a American Bulldog mix and they are my children. I am so happy I have Embrace Insurance because I will go to the ends of the earth to keep my babies healthy and happy. Thank you Embrace!

The service is great once you get through all the protocol that's not clear in the beginning when you sign up with new pup thats never been to a Vet beyond shots. I'd never taken a pet for any illness care but I have learned quickly. Their people are friendly and once they communicate internally with each other claims run smoothly. I would recommend the insurance to others. Thanks Embrace!

About 7 months ago, after reading an article about Pet Insurance, I researched different companies and plans, and took out a pet insurance plan with Trupanion. It proved to be the best decision ever! My seven-year-old rat terrier was suddenly unable to urinate and he started to swell "down there." He was in a lot of pain! I rushed him to the ER and he was admitted immediately. Despite diagnostic tests and treatments, no cause could be identified, and he rapidly got worse. He was transferred to another facility within 24 hours...still no answers.. as he continued to deteriorate. The bills were racking up quickly, but I knew that I could make decisions for his care based on what was best for him, not as a function of finances. I was close to putting him down after a couple of days, when the vets gave little hope, but we decided to give it one more day to see if the antibiotics would kick in...and they did!! And then slowly, day by day, he started to recover! After a full week in the hospital -- and thousands of dollars later -- my pup came home. During his convalescence I had time to sift through the mounds of different bills I'd accumulated and start submitting claims to Trupanion. The customer support on the phone was very helpful, and the claims process was simple. Once claims were submitted, they were reviewed and approved within a days of receipt. I was emailed when the claim was received, if there were any questions, and notified when the claim was pai

About 7 months ago, after reading an article about Pet Insurance, I researched different companies and plans, and took out a pet insurance plan with Trupanion. It proved to be the best decision ever! My seven-year-old rat terrier was suddenly unable to urinate and he started to swell "down there." He was in a lot of pain! I rushed him to the ER and he was admitted immediately. Despite diagnostic tests and treatments, no cause could be identified, and he rapidly got worse. He was transferred to another facility within 24 hours...still no answers.. as he continued to deteriorate. The bills were racking up quickly, but I knew that I could make decisions for his care based on what was best for him, not as a function of finances. I was close to putting him down after a couple of days, when the vets gave little hope, but we decided to give it one more day to see if the antibiotics would kick in...and they did!! And then slowly, day by day, he started to recover! After a full week in the hospital -- and thousands of dollars later -- my pup came home. During his convalescence I had time to sift through the mounds of different bills I'd accumulated and start submitting claims to Trupanion. The customer support on the phone was very helpful, and the claims process was simple. Once claims were submitted, they were reviewed and approved within a days of receipt. I was emailed when the claim was received, if there were any questions, and notified when the claim was pai

I am a new Trupanion client, but I loved that they contacted my vet themselves when I signed up, so I didn't have to mess with the paperwork. Trupanion's coverage levels are also much higher than other pet insurances. All pet owners hope they never need it, but it's nice to know I'm covered for just about anything that happens.

I am a new Trupanion client, but I loved that they contacted my vet themselves when I signed up, so I didn't have to mess with the paperwork. Trupanion's coverage levels are also much higher than other pet insurances. All pet owners hope they never need it, but it's nice to know I'm covered for just about anything that happens.

I have not yet filed my claims for the vet and specialist visit I had yesterday when my Newfie/Border Collie was beset with acute cervical pain. However, I have been extremely impressed with the level of customer service thus far. The specialist recommended an MRI - between $1500-2k - for which Embrace reported required a pre-cert. Unfortunately they also said I would hear within 5 business days. That seemed a little long to me in light of what was, and is, in my mind a medical emergency. However, the rep took the time to inform me of what steps could speed up the process and everyone I spoke with on the phone was very kind and sympathetic. I received e-mail notifications when my paperwork was received and the pre-cert was expedited and returned to me with an authorizion within 24 hours!!! I am thrilled to have found an insurance that targets the conditions I am most concerned about in my large breed dog and have recommended Embrace to all of my pet-owning friends.

Our 7 month old dachsund ate an object and after being x-rayed the vet said he would absolutly do surgery if it was his dog!He also said"This is why you Thank God you have insurance"and it was .The surgery went well and the bill was right around $2000.which Trupanion covered 90%.I would also recommend a lower deductable!Mine was only $50 and that was also helpful.Highly recommend Trupanion!!!!!!!!!