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This is my first and last time using a pet policy insurance scam. I'd rather save the money for the vet since I'm going to have to pay anyway. In May I decided to obtai a policy because I had heard from others that it was a good thing. So I searched online and decided to go with Embrace. I have a rescue dog I had gotten in August so I knew that his hear condition would fall under preexistimg, however, to my surprise that after waiting a month for a $628 claim on removal of a cancerous tumor on my dogs cheek I was denied. I had to follow up numerous times due to insufficient vet reports though this was all submitted for approval of the policy in the 14 day grace period. It seems that a growth on the foot the initial vet and my current vet have dismissed as an overgrowth due to an infection from lousy care of the previous owners could be related to and therefore a preexistimg condition of the current tumor on the side of his cheek! Really?! Embrace says the vet report does not give them enough information as to whether or not the foot growth is cancerous. Hmm don't you think if it was they would have told me we would need a test to find out if cancerous instead of put a boot on it so it does scape and get a rug burn! Embrace said I could go through their appeal process and I told them they could have called the vet if they were uncertain if the two were related due to the reports. Obviously they read and determine a vets report based on if they want to pay or not pay. The p

I was very surprised at the prompt reimbursement of the first and second claim for wellness visits I had! The vet office faxed my form on Saturday morning on both occasions, and both times I had the check in the mail that Thursday! I wish my health insurance would respond to a claim so quickly! Hopefully I never need to use the Accident/ Illness portion of the plan, but I am hopefull that it is that easy!

I have had great experiences with timely claims. My dog was diagnosed with seizures recently and I thank God I purchased the pet insurance when I did as this is helping me with her medication cost. You never know what the future holds for your pet so if you can afford the health insurance which for me is only 22 a month, it saves you money in the long run and gives you peace of mind when it comes to taking care of your beloved pet.

The very first claim I had to file with Trupanion went without a hitch. I am also an employee at my animal clinic so therefore, I get a discount on services as well. Being an honest person, I turn in my claims AFTER my discount has been applied, so really, Trupanion also benefits from my employee discount because ultimately they are not having to pay out as much as if I were a regular client at said animal clinic. That being said, this second claim I turned in has been a little frustrating. I can't complain about the amount paid, but I feel that it took way to long to process my claim and far too many phone calls to my clinic to "verify" charges. I feel like there was a lot of "nit picking" when the company is already saving a ton of money from my discount. I really felt like they were trying to get out of paying for some things because of my employment status. This experience was completely different from my first experience and it left me feeling jaded and disappointed. Overall, I would still recommend them to other pet owners.

The very first claim I had to file with Trupanion went without a hitch. I am also an employee at my animal clinic so therefore, I get a discount on services as well. Being an honest person, I turn in my claims AFTER my discount has been applied, so really, Trupanion also benefits from my employee discount because ultimately they are not having to pay out as much as if I were a regular client at said animal clinic. That being said, this second claim I turned in has been a little frustrating. I can't complain about the amount paid, but I feel that it took way to long to process my claim and far too many phone calls to my clinic to "verify" charges. I feel like there was a lot of "nit picking" when the company is already saving a ton of money from my discount. I really felt like they were trying to get out of paying for some things because of my employment status. This experience was completely different from my first experience and it left me feeling jaded and disappointed. Overall, I would still recommend them to other pet owners.

First of all, talk with the very helpful staff of Embrace and make sure you understand what is covered and what your options are. They are quick to respond and inform. My experience has been very positive, although I did not realize that the prescriptions for my dog would not be covered.

My dog had a broken toenail which happened while I was away. I submitted my claim march 30,2013 for a 17.00 fee from the vet to remove the dangling toenail. It was a simple injury claim. It took until may 13,2013 for embrace to say it was covered. Seemed a little long to me.

So far no claims have been paid. Haven't met the deductable and some were not covered.

Very impressed with initial notification confirming receipt of claim and then follow up e-mails regarding status of claim. I have been very happy with the service we have received thus far. Thank you!

This claim is for a medication that was purchased outside of the vet's office(per vet's recomendation that it might be less expensive),for a fairly serious intestional/stomach issue.Once again Embrace came thru fast & as stated they would.I cannot be happier with this company.Thanks again.