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Unfortunately, our claims experience with Embrace has been less than satisfactory as every claim we submit, despite multiple emails, written justifications, letters from the vet, invoices etc--they have denied any claim over $200. Embrace continues to allege that a mass from three years ago is related to a new mass. Embrace has denied this claim entirely (over $3,000) We are appealing with the hopes that statements from a veterinary oncologist and our vet reiterating that the two masses are unrelated -- will be enough.

I have three dogs with Embrace, all are registered therapy dogs and two are service dogs. So far, our claims are mostly wellness and I love the fact that I can budget for their health care and preventative care as with three it adds up quickly. Just this year I moved my last dog from another company when Embrace added coverage for old dogs. Hopefully we'll never have to use the accident or illness coverage--but it is worth the money to me to have that kind of peace of mind. We travel a great deal and may have to use a different vet--with different fees, using Embrace makes that easy!

Trupanion has allowed me to care for my elderly cats in a way that I, otherwise, would not be able. Two of them have chronic conditions that required extensive testing to diagnose and the treatment is ongoing. Trupanion is the only reason I could afford to proceed with the testing and keep up with the ongoing care. I recommend Trupanion to everyone I speak to that has a pet. I honestly don't know what I'd do without it... I can't imagine telling the vet that I couldn't move forward with something that would help my pet because I couldn't afford it. Thankfully, because of Trupanion, I will never have to say that!! Thank you for helping me give my pets the care they deserve!

Trupanion has allowed me to care for my elderly cats in a way that I, otherwise, would not be able. Two of them have chronic conditions that required extensive testing to diagnose and the treatment is ongoing. Trupanion is the only reason I could afford to proceed with the testing and keep up with the ongoing care. I recommend Trupanion to everyone I speak to that has a pet. I honestly don't know what I'd do without it... I can't imagine telling the vet that I couldn't move forward with something that would help my pet because I couldn't afford it. Thankfully, because of Trupanion, I will never have to say that!! Thank you for helping me give my pets the care they deserve!

I go with one of the approved vets they have offered--they file the claims for me and there have yet to be any hiccups or claims that I didnt think would get covered. They even follow-up with everything online, email, so you know where the status is with the claim. Pretty straightforward with no hassle. Good insurance to get.

There are so many pet insurance out thete and i am so fortunate that i chose Trupanion. Very honest and straightforward, and most of all they are quick to reimburse. My Vet works with them and they do the work which i like.

There are so many pet insurance out thete and i am so fortunate that i chose Trupanion. Very honest and straightforward, and most of all they are quick to reimburse. My Vet works with them and they do the work which i like.

Very easy process and reimbursement was fast.

Vet bills are like having an uninsured child to pay medical bills for treatmen Embrace has been such a help when Bogie has a lot of needed care. The checks are quickly sent sent to us after we have filed claims. Thanks for good service.

I was conscientious about submitting alll documentation requested (including the medical history form--to avoid issues with "pre-existing" conditions). When I submitted several claims, I was told that Embrace had *just* done a medical history review (my policy officially started in the beginning of December--the review was just completed at the end of March) and I was told that ALL of the claims I submitted would be denied--as would any "skin-related conditions" because they were deemed "pre-existing. I was given incorrect information at each step of this process. Waste of time and money.