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There have been only a couple of times I had to submit a claim. Which is good also because my deductible was reduced. The claims were submitted by the vet, they fill out a simple form and fax it for me. I got an email confirming it was received and then one with the explanation and amount I was getting back. It was super fast and clear, no surprises. I've had embrace for 5 years and only had great experiences with it. The plan increases annually, but I'd say that's the norm.

I have had ASPCA pet insurance on my two dogs for ~5 years. Fortunately I have not had to use it until the last 6 months when one of my guys developed a skin irritation. Since that time, we have had umpteen visits to the vet and have tried many different treatment options including steroids, mite treatments, antibiotics, medicated washes etc My dog's condition has varied from terrible to manageable during this time but he has never been 'perfect'. However, despite the numerous visits, I have never had one issue with a claim and there has been no hint of the insurance not covering what I am entitled to under my policy. At the end of the day, you buy insurance in the hope you don't need it but also in the hope that, if you do need it, there is no haggling and no attempt by the insurer to wriggle out of paying. So far, ASPCA has been perfect - they have been supportive, sympathetic and have paid claims promptly and without any fuss. I cannot fault them in any way and would thoroughly recommend them .

Thank you all so much:). Great service always!

My dog, Mia, unfortunately, had to have bilateral TPLO surgeries for CCL tears within a few months from each other. Claims were submitted online and were reimbursed quickly! They also checked in to see how she was doing after surgery. Great customer service/ excellent pet insurance.

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!