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I like the online submission feature and the promptness of the processing. However, I have found this insurance covers very little and I am not confident I am getting my money's worth for the premiums I am paying. It is of dubious value and I probably won't renew.

Embrace has been a great asset to have for a family with a young pet that requires adolescent immunizations, spaying, wellness appointments, and the rare acute care visits.

Embrace has been totally amazing with approving and reimbursing my claims for my Shadow. He's had a pretty rough year between a diagnosis of chronic bronchitis and then removal of a lipoma, Embrace approved every single claim without hesitation. Shadow is on Flovent for his bronchitis which is quite expensive. Without pet insurance I would have had to make some really tough decisions, especially during the June 2017 through October 2017 timeframe when I was unemployed. Knowing Embrace would reimburse 80% of his medication as well as the lipoma removal, I didn't have to make those tough choices. I couldn't think of ever changing from Embrace. And we just added our new little girl to the policy!

Embrace Insurance representatives are truly professional and provide excellent customer service. They assist with any issue or question over the phone or offer support online. The rates are reasonable and claims are processed in a timely manner. Wish my insurance was this easy . Thank you Embrace

Claim was handled quickly and all of my questions were answered. I received my money quickly and everything went better than expected. I couldn't be happier with the service.

When my 7 year old Alaskan Malamute tore his ACL and meniscus and needed TPLO surgery (a procedure that costs over $3000+) having Trupanion was how I could focus on my dog and not be overwhelmed with anxiety regarding the dent it would put in my bank account. I was able to focus all of my energy on properly caring for him and could stay open-minded about post-op therapy options as well. Ultimately, I had the peace of mind to move forward in a time where I would have been paralyzed with fear had I not had Trupanion coverage. I've had Lupo since he was 7 weeks old and he's all I've got - no kids, no significant other - he is my soulmate and my best friend. This whole experience to me = priceless. Lupo is recovering and is without a doubt the best part of my day. Thank you Trupanion!

I was able to do the complete claim process from my Samsung galaxy. I downloaded information from the pets best website and everything was very easy to understand. I received payment a week after submitting the claim. Had to take my dog to emergency vet.

I have been with Embrace for four years now, and I am finding for one excuse or another they will not honor my claims for either of my dogs. 1. When I got the insurance for both dogs, I got the sense from reviews that Embrace was one of the best. It is standard procedure for any insurance company to look at the vet's records at the time the policy is first started to see if there are any preexisting conditions, as well as to have a month waiting period before you can file claims. My min pin Duke was initially declared to Embrace to only have an orthopedic condition. During my month wait, I had to take Duke once for a skin infection and again later in the month for an ear infection. I paid for both. During that waiting period, Embrace called my vet for the records for that month, saw my two visits and reasons, and then claimed both of those infections for Duke as preexisting conditions (I didn't even know until today that they would not cover ear infections). The company said if I made no skin infection claims for a year that skin infections would be taken off the policy as a preexisting condition. I paid the vet bill for a year the times he had skin infections to eliminate the restriction. What I didn't know was that Embrace calls into vet centers regularly to get updates on even the unclaimed services the vet provides. So to this day, I am not covered with Duke for two conditions he needs sometimes. 2. My other dog Joshua, a boxer, just passed away in July from cancer. His bill was very high at the vet, so I called Embrace shortly after he passed to make sure I could still get coverage so I could "roll" the money I get back from Embrace to help pay his entire bill. I just found out in call I placed a half-hour ago that Embrace only covers claims for two months after a dog or cat dies. Why wasn't I told this in July? Consequently, I am stuck with a still high medical bill for Joshua. All because of the need to be cost-effective, after thousands of dollars spent for four years on the two dogs, my Embrace policies are little good to me now. I have cancelled Duke's policy. Perhaps all of this is in the fine writing in the insurance policy, but many Embrace clients suffer like me from poor communication from the company. When shopping for pet insurance, please keep my problems in mind.

I thought my payment was supposed to be processed and had been declined. The representative, sent me an email later that evening confirming my payment went through prior to her leaving that evening. My payment had not failed and was on time- but I was worried. It was very sweet and professional of her to send me the email to put me at ease. It made it easier for me; I didn't have to look in my bank account. Please thank Customer Service / Account Representative for a job well done!

My 13 and 1/2 year old cat developed a serious bowel disorder, the treatment of which cost me over $6000. I insured him roughly 6 months before he developed this problem and paid $58 per month. Without any arguing about the bills, I was reimbursed for 90% of this cost, including medicines, which are expensive. He is now doing much better and it is such a relief to me...