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GOOD REIMBURSEMENT. This current reimbursement was about half of the bill I submitted. My dog had a severe sytemic allergic reaction to an insect bite. This made me VERY happy and thankful that I carry insurance. GREAT CUSTOMER SERVICE. Claims are always followed up with a personal email from Embrace, acknowledging receipt of the claim, giving an estimate on the time for review, and when to expect reimbursement. I like the fact that a real person actually looks at the claim, and then gives me enough information about what to expect from Embrace--so that I'm never left hanging. Also so much appreciated is the genuine expression of concern about how my little fur-buddy is getting along following the medical problem.

We signed up for Trupanion in July or August and twice have filed claims: once for an ER visit and once for a vet (sick) visit. They don't pay for well visits or the exam fees, but they do pay 90% of the sick visit procedures. My last bill was $187 and change and I just got a check for $125 and change. I like this plan a lot because we can budget for the well visits... it's the little surprises along the way that get us! It is also super-easy to use. You just give the doctor the Trupanion form and then next thing you know Trupanion is eMailing you to tell you that your claim is being processed.. and then again to tell you how much you are getting back. It is very fast (12/16 visit date, 12/23 check issue date)!

We signed up for Trupanion in July or August and twice have filed claims: once for an ER visit and once for a vet (sick) visit. They don't pay for well visits or the exam fees, but they do pay 90% of the sick visit procedures. My last bill was $187 and change and I just got a check for $125 and change. I like this plan a lot because we can budget for the well visits... it's the little surprises along the way that get us! It is also super-easy to use. You just give the doctor the Trupanion form and then next thing you know Trupanion is eMailing you to tell you that your claim is being processed.. and then again to tell you how much you are getting back. It is very fast (12/16 visit date, 12/23 check issue date)!

My domestic short hair kitty "Sis"(16 yrs old) had some unexpected problems back in October & November 2010 with her balance, she all the sudden one evening could not stand up or walk and her heart rate was racing, I thought she was having a stroke or something, I rushed her to my vet, they checked her over and sent me home with no anwsers, I went to a different vet for a second opinion, after a thorough check up and blood work the vet stated that she had a lot of build up of wax in her ears and thought that was the problem, I scheduled her for surgery to do a thorough cleaning deep in the ear, Sis stopped breathing and they revived her and said that she just was not a spring chicken anymore and that it was not safe to ever put her under again, so we tried antibiotics and ear drops, she has learned to adapt and lives a perfectly normal life now. If it was not for the ASPCA Pet Insurance, I really don't know what I would have done, I paid my deductable of $100.00 and I have been reimbursed anywhere from 75-80% of what I put out of pocket after my deductable. I have 2 other cats as well and I have them insured too incase I ever run into any problems with them in the future. When you have pets in your family, pet insurance is the best way to go, most pets are like family members to us and the should never be looked at as anything any less that any other family member and they deserve the same care and help that us as humans receive. Pet Insurance also reimbursed me for the s

We have a one year old Golden Doodle. When we got him, my husband and I decided to get pet insurance. After much online research and comparison shopping, we chose Trupanion with a $0 deductible and 90% coverage. It was worth the $41/month to sleep at night and not worry if something happened and we had to come up with a lot of money. Well, the worst did happen. Our puppy came down with Meningitis and had to have almost $4,000 worth of medical work done to diagnose and heal our puppy. We paid for the tests, doctor appointments and drugs and kept our fingers crossed that Trupanion would reimburse us at 90% of our costs. Upon submitting the claims, we heard from our local Trupanion rep and she informed us that we would be covered and that any other costs involved with this condition would continue to be covered in the future. We were thrilled. Trupanion has been nothing but wonderful to deal with. We are so relieved that we chose this company to insure our pet.

We have a one year old Golden Doodle. When we got him, my husband and I decided to get pet insurance. After much online research and comparison shopping, we chose Trupanion with a $0 deductible and 90% coverage. It was worth the $41/month to sleep at night and not worry if something happened and we had to come up with a lot of money. Well, the worst did happen. Our puppy came down with Meningitis and had to have almost $4,000 worth of medical work done to diagnose and heal our puppy. We paid for the tests, doctor appointments and drugs and kept our fingers crossed that Trupanion would reimburse us at 90% of our costs. Upon submitting the claims, we heard from our local Trupanion rep and she informed us that we would be covered and that any other costs involved with this condition would continue to be covered in the future. We were thrilled. Trupanion has been nothing but wonderful to deal with. We are so relieved that we chose this company to insure our pet.

I would not even consider not continuing my Embrace plan for my three Rotties. Having had experience in past years with other dogs on the VPI plan, I can say without a doubt that Embrace is the very best. - Honest, quick, compassionate and reliable. I know what I am going to get back, even before I leave the Vet's office and I am able to affordto give my pets the best care because of Embrace. Whoever started this Company had to have been a pet lover! Before I leave the Vet's office, the forms have been faxed to Embrace. The very next day, I receive a confirmation receipt from Embrace with a time frame for reimbursement. Customer service with Embrace is the best and many "Human" companies could learn a lesson in customer care from Embrace. If you're "shopping" for an insurer, stop here. You won't regret being "Embraced".

Just bought their insurance with wellness program. I am happy with the prompt service so far. I have only made wellness claims and checks have arrived promptly as promised.

My now 2 year old dog recently had an injury that resulted in a couple trips to an orthopedic specialist. The first ortho doc thought it was probably a soft tissue injury and possibly related to mild hip dysplasia, the second ortho doc we went to thought it could be a back problem so they did an MRI. After we submitted all the xrays and MRI (eek!) we were so happy and relieved when Embrace covered 80% of everything. Not only did Embrace cover the xrays, MRI, and vet visits, they are now covering (at 80%) his rehab which includes acupuncture, laser therapy, underwater treadmill, etc.! I wish I could find an insurance company for myself that's as good as Embrace! I love the peace of mind knowing that I have the insurance if I need it. Embrace has fantastic customer service and I always hear back from them right away after I submit a claim. Usually only takes a little over a week to receive my refund. I also have the wellness plan that I think has paid off for the last two years (we have had Embrace since my dog was a young puppy). Highly recommend Embrace!

I am in the medical insurance industry, and just wish we had the same caliber of response, attention and kindness as the claims agents at Embrace. They have been nothing but helpful and kind. When my 4 month old American Bulldog puppy had an unexpected ER visit, my claims adjuster wrote for me "to give Dex a hug for her" when is the last time your insurance company conveyed that sentiment? I couldn't be happier with Embrace!