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Though the customer service rep.'s are very pleasant. The insurance coverage, was not what the website hypes it up to be. They claim that they cover "genetic specific" conditions....which may be true, but proved false in my case. My vet and I had a misunderstanding of the requirements for the orthopedic waiver. . . My Vet wanted to be 100% sure that my puppy (8 weeks at the time), a Large breed dog, didn't have hip dysplasia (which can be hereditary). The only way for her to make this determination was to place my baby puppy under anesthesia. As concerned parents, that had a perfectly healthy pup, we opted not to have our pup put under. Later, a condition very common in large breed puppies (OCD) developed in our puppy (which occurs between the ages of 4 and 7 months). Through, the course of diagnosis, it was determined our pup did not have hip dysplasia and had developed OCD in her right shoulder after the initial exam. To have this corrected, she needs surgery which is roughly $2500. Embrace, a business, meaning, for profit. Decided, this was a pre-existing condition and would not cover even a portion of her Vet bills. Even with the timeline of events and diagnosis being annotated by my Vet and submitted directly to them. Maybe because my policy was only 5 months old and the company didn't want to chance losing that much money, when I hadn't even contributed very much? I caution all pet owners, that Embrace is a false security at best. I had initially raved ab

I started my pit bull with Trupanion in April 2010. I just made my first claim and I am amazed at how easy everything was! The first thing that I noticed is how friendly the Trupanion staff is. I was honestly expecting something to go wrong with my claim - and not get the full 90% back....I only thought that beacause of all the bad stories and consumer reviews about health insurance for pets in general. BUT, I am soooo happy to say that I made my claim (which is very easy) and just received the check in the mail today:) Pretty quick I might add!! I am SOLD on Trupanion forever! From here on out I will recommend Trupanion to EVERYONE I know who has a pet.

I started my pit bull with Trupanion in April 2010. I just made my first claim and I am amazed at how easy everything was! The first thing that I noticed is how friendly the Trupanion staff is. I was honestly expecting something to go wrong with my claim - and not get the full 90% back....I only thought that beacause of all the bad stories and consumer reviews about health insurance for pets in general. BUT, I am soooo happy to say that I made my claim (which is very easy) and just received the check in the mail today:) Pretty quick I might add!! I am SOLD on Trupanion forever! From here on out I will recommend Trupanion to EVERYONE I know who has a pet.

I have been with Embrace for three years and have been beyond happy with this company. The "Embracer's" are all considerate, compassionate and helpful without exception. My little girl (Bichon Frise) is safe, health care wise, which is extremely important to me. I would rather pay a little each year to guarantee that i will never have to deny her medical help just because i can't afford the procedures. She is more than a member of my family, she is my friend, my protector, my entertainment and my love. I have to keep her safe. She does her very best for me, how can i do less for her?

Unfortunately,our dog contracted Lyme disease last year. But, fortunately we were wise enough to switch and go with Trupanion before this happened. After leaving another carrier who was more trouble that it was worth, my husband and I agreed we would try and find one that was for sole-y more-so for Illness and ER. The annual costs incurred with owning a pet, we were good for. It was the emergencies and illnesses we were more concerned with. For the most part, whatever funds you put into this towards the insurance is so much less than if the dog were to have to undergo a serious event. That is where the payoff comes into play. And not to forget to mention so far they have paid what they said they would. Worht EVERY dollar invested. ($ amt shown below is over the course of this illness)

Unfortunately,our dog contracted Lyme disease last year. But, fortunately we were wise enough to switch and go with Trupanion before this happened. After leaving another carrier who was more trouble that it was worth, my husband and I agreed we would try and find one that was for sole-y more-so for Illness and ER. The annual costs incurred with owning a pet, we were good for. It was the emergencies and illnesses we were more concerned with. For the most part, whatever funds you put into this towards the insurance is so much less than if the dog were to have to undergo a serious event. That is where the payoff comes into play. And not to forget to mention so far they have paid what they said they would. Worht EVERY dollar invested. ($ amt shown below is over the course of this illness)

I have had ASPCA plans on two dogs for about a year. They have had exclusions for every illness or injury claim I have submitted. A complete waste of money. Shopping for something better. You would think that an organization like the ASPCA would offer a better product.

We just had our puppy spayed, and the same day we faxed the claim to Embrace we had a reply via email. Within a week or so we had a reimbursement check, as we have the Wellness plan. I could not be more pleased so far, we've had excellent, prompt communication and fast payment. And now that our puppy has been spayed and microchipped our monthly premiums are just over $3 less.

The level of customer service and the speed of reimbursements has been stellar. I especially love the way they always ask you to give your dog belly rubs from them. :-) I'd recommend Embrace to anyone.

We have had Embrace Pet Insurance for about 8 months and our little Naia has had some issues. Not every claim has resulted in a reimbursement but even when our claim has been denied we have been satisfied because of quick and effective communication. When our most recent claim was filed, we were reimbursed immediately and without any hassle. Embrace has been outstanding and treats our pet and us with great respect and caring.