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I take my 2 dogs to the vet each year. The Wellness bucks really help take the sting out of the bill. My claim is handled so fast. Check is here before I know it. And, the best part is knowing that if one of my babies gets ill, they have pet insurance to cover their illness. I take a higher deduct and higher coinsurance so my premium is really quite low for the insurance with all the discounts. I've only used Wellness Bucks and hope that's all I ever need.

I have VPI on one dog and Embrace for the other. Embrace pays at least 3x faster.I am very happy with the attention my claims have received and feel my reimburesment was very fair.

Our Dog Callie hurt her knee after jumping off the couch. THe folks at our Vet (Best Friends) took very good care of her and processed our Embrace claim for us. within a couple of weeks I received a confirmation from Embrace that they were reviewing our claim, followed up by a second e-mail confirming that the charges were covered. It even included a very easy to understand EOB for our records. THe check came within a few days after that. It doesn't get much easier than that. Thanks Embrace!

In researching pet insurance options, I read a recent article featuring Embrace and co-owner Laura Bennett in "Fresh Water Cleveland" an e-magazine. The article was about new, successful businesses in the Cleveland area. The article was very impressive and it was refreshing to know that there was a local company that in it's first few years of existence was growing rapidly and compared quite favorably to some of the more established pet insurance companies. The unique Embrace products ultimately convinced me that they were the better choice for us offering a Wellness program along with Accident and Illness and each with fair and flexible options. We have been with Embrace for less than a month but already we are seeing prompt responses to our claims and have been reimbursed for all of our Wellness claims to date. We look forward to a long relationship and wish Embrace much success in the years to come.

Check was sent out like they said. This is our fourth year having Embrace.

I just took out the pet insurance last Thursday and took my Yorkie to the vet the next day to get spayed and her dental done. I faxed the claim yesterday and Alli from claims has emailed me today to say that my check was on its way. I also have another Yorkie with another insurance company and they weren't nearly as efficient as this company.

I recently had a $5000 claim denied, the only one I had filed in over a year of coverage with multiple pets. The reason they gave for denying the claim was a stretch, at best, saying it was related to a single vet visit my dog had two years ago, taken in for a completely unrelated reason, that the vet could not pinpoint a diagnosis but basically said well, we'll treat her for this because of her breed. I even appealed the claim with a letter from the current vet who did her recent surgery, showing the two incidents weren't connected, and they still denied it. As a vet tech, I know it was not a pre existing condition, and am more than disappointed in their decision. I will say that they had an easy claims process, a quick response time, and pleasant customer service, but all that doesnt make insurance worth it if they wont cover my pets when they should. Coverage cancelled.

I recently had a $5000 claim denied, the only one I had filed in over a year of coverage with multiple pets. The reason they gave for denying the claim was a stretch, at best, saying it was related to a single vet visit my dog had two years ago, taken in for a completely unrelated reason, that the vet could not pinpoint a diagnosis but basically said well, we'll treat her for this because of her breed. I even appealed the claim with a letter from the current vet who did her recent surgery, showing the two incidents weren't connected, and they still denied it. As a vet tech, I know it was not a pre existing condition, and am more than disappointed in their decision. I will say that they had an easy claims process, a quick response time, and pleasant customer service, but all that doesnt make insurance worth it if they wont cover my pets when they should. Coverage cancelled.

As has been the case throughout our nearly three-year relationship with Embrace, they've come through again with seamless, efficient, and friendly service when processing a claim. They also automatically applied a new credit to our premium for which I didn't realize we even qualified!

Our dog is having Boxer Colitis. The bills have been climbing and without Trupanion I do not know what we would do. We will have Trupanion for every dog we have from this point forward.