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When my tough as nails Amstaff refused to eat and was dry heaving I knew from experience that she had something lodged in her. As your four pawed baby is dying in the exam room you tell them to fix her. Then you get the bill. Having pet insurance makes paying that bill much easier to swallow - especially in these trying times. I didn't have pet insurance the first time and the bill was over $4500. The best part of pet health insurance is that I still have my four pawed baby who now plays with my 1 year old.

Embrace is the best pet insurance company out there. They are the ONLY insurance company that covers breed related issues. The ONLY one. So, you'd think they'd be much more expensive, right? Not at all. Their coverage cost is competitive with the other companies who do not cover nearly as much as Embrace does. Their staff is curteous, prompt, and always available to answer any of your questions. I've only had one claim so far, but it was covered as their literature said it would be. (I cannot say the same for my personal health insurance company.) I couldn't be more happier with Embrace.

I submitted the same claim 3 times to Trupanion. First by regular US mail. I never heard back. When I called to check, they had no record of the claim. Second time, the claim was faxed by the vet. Still no word. I called again and once again Trupanion claimed they never received it. The vet faxed it for the 3rd time and I finally received an e-mail that the claim was under review. It took a total of 9 months to get them to review the claim. Half way through the process, we stopped paying our premium because of the poor service. We honestly felt like we had been duped. When I finally heard back after the 3rd submission, they claimed they could not process it because we had not paid our premiums for the last few months, even though the INCIDENT HAD OCCURRED WHEN OUR PREMIUMS WERE UP TO DATE. I am still haggling with them over this. DO NOT USE TRUPANION.

I submitted the same claim 3 times to Trupanion. First by regular US mail. I never heard back. When I called to check, they had no record of the claim. Second time, the claim was faxed by the vet. Still no word. I called again and once again Trupanion claimed they never received it. The vet faxed it for the 3rd time and I finally received an e-mail that the claim was under review. It took a total of 9 months to get them to review the claim. Half way through the process, we stopped paying our premium because of the poor service. We honestly felt like we had been duped. When I finally heard back after the 3rd submission, they claimed they could not process it because we had not paid our premiums for the last few months, even though the INCIDENT HAD OCCURRED WHEN OUR PREMIUMS WERE UP TO DATE. I am still haggling with them over this. DO NOT USE TRUPANION.

I purchased the policy because in the past, I have endured having to lose a beloved pet due to lack of funds for an expensive treatment. When I rescued Scooby I decided to give this a try. I researched and decided on Embrace because of the favorable reviews. Along with major medical, I purchased a wellness rider and I have to say that I am thoroughly impressed with the service, the courteousness of the representatives and the efficiency of the entire process. Payment was promptly and accurately rendered. Follow-up was also prompt and greatly appreciated. I will definitely recommend Embrace and in fact, have already informed my vet that I was extremely pleased and would they recommend Embrace to their clients. Thank you!

I switched from another pet insurance which sold out several times. Although they seemed "functional" they never provided the personable service I have received to date. The claims are handled very quickly and the e-mail conversations are wonderful. Very detailed and again, personable. They really seem to care how both you and your pet are doing. I love them, so does Pearl and Shiner, they say "thanks".

Our rottie was diagnosed with severe hip dyslasia before his first birthday earlier this year. He had his first surgery in May and the second one just last week. Both times, working with Embrace Pet Insurance has been such a smooth and easy process. Embrace and the fantastic people who work there, made everything simple not only for us, but our vet's office as well. I really cannot say enough good things about them and am grateful that of all of the insurance companies out there, we chose Embrace.

I just had my first experience with submitting a claim to Embrace; It was very painless and smooth.The claim form is as simple as it can be; They kept in touch throughout the process and kept me informed of what was going on (and were very nice); When they processed the claim, I got an email detailing exactly what they will reimburse and why, so I knew even before I got the check in the mail.

We have had embrace for almost a year and within this year our puppy has gotten sick and even been hospitalized for ingesting a toxin. Embrace has been prompt with every single claim and keeps us informed and never hesitates to answer our questions. Human health insurance companies could truly learn something from Embrace.

ASPCAHartville insurance is amazing pet insurance. The customer service dept people are always available and helpful. They are very good at taking "insurance speak" and turning it into simple english. They are willing to take the time to help you pick the kind of coverage that you can afford and what is best for your pet. Claims are processed quickly and there are no hidden conditions or statements. Checks arrive quickly when claims are filed