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We have had the insurance for 7 years now. We have only had to use it a couple times, but feel it's worth every penny. It's very easy to file the claim and reimbursement is pretty quick. I am 100% pleased with this company and recommend it to all I know who are thinking of getting a pet.

My 11 month old chocalate lab puppy caught a nasty bout off Colitis. I got him to the Vet and he needed tests to rule out obstructions, bloodwork and stayed overnight to get IV and medication to get everything under control. My Vet and I filled out all the paperwork and sent all his records since it was our first claim. I faxed all the information this morning and by this evening I was notified that my claim was approved minus my deductible and I would be receiving $435 on my claim. I figured at least 2 to 3 weeks, and can't believe that it was processed soo quickly. I'm relieved to know Guinness is covered and that this company will come through.

My 11 month old chocalate lab puppy caught a nasty bout off Colitis. I got him to the Vet and he needed tests to rule out obstructions, bloodwork and stayed overnight to get IV and medication to get everything under control. My Vet and I filled out all the paperwork and sent all his records since it was our first claim. I faxed all the information this morning and by this evening I was notified that my claim was approved minus my deductible and I would be receiving $435 on my claim. I figured at least 2 to 3 weeks, and can't believe that it was processed soo quickly. I'm relieved to know Guinness is covered and that this company will come through.

First of all, I would like to say that all of my pets are rescued animals...With that being said, I am very disappointed in how my most recent claim was handled. I have an older cat that has bad hips and sometimes has difficulty going to the bathroom. After speaking with the vet, she was placed on a lax 'aire (which of course is not covered by ASPCA insurance) two times per week. Well, within a two month period, because she is older, she had a severe emergency and was brought to the hospital because she could not go to the bathroom and was in severe pain. The vets in the hospital thought it could be a tumor. Turns out, fortunately, she just needed a change of diet. However, the bill of over $700 (which for for x-rays and other tests to rule out tumors) was not covered AT ALL - after putting in hundreds of dollars into pet insurance that should be covering me, they DID NOT AID ME AT ALL!!! In addition, I have had previous issues with receiving money back. The company dictates what they think a "reasonable cost" for vet bill is. In other words, vet check up for me may cost $69.34 - they feel that a reasonable cost is only $17.34. I think that is completely insulting and absolutely disgusting. This has occurred MANY times over the last few years. Finally, after calling up the company, they were completely unhelpful and fixing the matter.

My first claim on my new puppy was the best way to experience Embrace. The response was timely,professional,and was more than I expected. I would reccomend Embrace to anyone with pets.

This was my first claim with Trupanion. I just signed up a little over a month ago and my puppy already got sick. I called Trupanion and they encouraged me to take my puppy in. I did and Trupanion quickly turned my claim around.

This was my first claim with Trupanion. I just signed up a little over a month ago and my puppy already got sick. I called Trupanion and they encouraged me to take my puppy in. I did and Trupanion quickly turned my claim around.

I have been very unhappy with the decisions that Embrace has made on what they would cover. My dog had an ear infection after we joined and then another 6 mos later and they said that this was a chronic/preexisting condition and wouldn't pay. I spoke to an account rep and told them that if my child had 2 ear infections a year the insurance company would not consider this a pre-existing condition. Also I submitted a claim dated December and waited to hear from the company. No paperwork came back. I called the company and they said that the claim was not being paid out because it would go toward the deductible. I explained that the insurance goes from April to April and they agreed and I did recv a check but if I had not called up and asked the question they would not have sent me any explaination of benefits. Embrace also called up my vet's office to see when I made an appointment (we had a 15 day waiting period), they recd some information from the office, denied my claim and when I asked the vet about it he said that he had never heard of such a thing, and that his office didn't keep such records. I called Embrace and they said that because they felt that the appt was made a day before the waiting period ended it was a pre-existing condition. I would say that you would need to be very careful in choosing Embrace as your carrier.

Embrace has handled us and our pets' needs with great care, concern and rapid response to every detail including reimbursement. Their employees take the attitude that your pet is theirs and touch base with you months after you need their service just to see how your pet is doing. Makes even a difficult situation bearable. I am an actual customer and our dog Spike's life was saved not only by the emergency vet hospital but by the wonderful employees at Embrace. Peace of mind they provide is PRICELESS. You can view our story on their site under real stories. I spread the word everywhere I am in contact with pet owners. Embrace even insured or senior dog when no other one would due to his age and pre-exisitng handicap...the premium was lower than most other companies' coverage for dogs under 5 years of age; our dog was 10 years at time of enrollment. Thank you doesn't seem adequat.

The only way to come out ahead with Embrace is to have a compete understanding of the policy play their game. We had our 8 week old puppy cleared on the ortho exam during the 2 week initial waiting period so we thought we had a healthy perfect puppy and that we were covered. 2 week before the 6 month waiting period for ortho injuries was completed my puppy hurt her knee. We should have waited to get her looked at. They denied the claim saying the ortho exam was done during the waiting period and because of that we had to wait 6 months. We acted in good faith, they did not. If she needs surgery down the road, it won't be covered. Good luck if you pet gets hurt or sick. I am sure they will figure out how not to cover it.