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I have been pleased by Embrace Insurance coverage over the past 5 years.

We purchased our policy for Reign when he was a puppy. We've had a few medical issues along the way and recently had him neutered at 1 year of age. All of out claims have been paid promptly and without any hassles. We are very happy with Nationwide and have recommended it to 2 other friends so far!

We got off to a bumpy start with a claim denied, which would have counted toward the deductible. It was denied as pre-existing condition and denied again on appeal. That was several years ago and fortunately, they were wrong, it was not a pre-existing or permanent condition and he hasn't had it since. After that the only problems that I have had are issues with Wellness vs Accident/Illness. The Wellness is an additional coverage that is really kind of like a health care savings account that covers things like Rx food and other things not covered by the usual insurance. You don't have to get it when you purchase the insurance for accident & illness which is the most important to have. It was 9 months after I had insurance that my cat was diagnosed with CKD which is a progressive disease. I chose to have stem cell therapy which was not covered for CKD by any insurance that I knew of. It was my choice to do it to improve his outcome. The vet at the time told me that it saved his life as it was progressing rapidly. It improved but two years later he got pancreatitis and IBD which frequently accompanies pancreatitis. The exams, frequent blood work to monitor his condition and even acupuncture is covered by Embrace. I call it Kitty Medicare because I chose the 80/20 plan. I strongly recommend every pet owner buy insurance for their pets and certainly by the time they are eight or nine it is essential and could make the difference in you being able to provide medical care for your pet or not. Emergency care is extremely expensive and one visit to the Animal ER will can make up for years of premiums. I researched the various companies before I purchased and compared them for a couple of months before deciding on Embrace. The Embrace staff get back to you within a day when you contact them and are helpful. The only other issue I have with Embrace is that my invoices are for pretty much the same things; exams, medicine, labs, acupuncture and each invoice is treated as a distinct claim (I usually file a couple together) and it's as if it is the first claim and the adjusters are starting from scratch. It takes about two weeks for the claim to be paid even if you have 2 for the exact same treatment for the exact same condition. Sometimes longer if they contact the vet for additional information. I know pet owners with other insurance and Embrace is one of the best.

I love trupanion. It has been so helpful me with my dogs medical care.

Easy process to apply for reimbursement and quick response.

All questions were answered fast and correctly. Staff were very helpful and easy to deal with. I was notified what the insurance would on my claim and checks were issued promptly.

My dogs have been covered by Trupanion Pet Insurance for the past several years and I can personally say that they have been outstanding in their coverage and the professionalism of their employees.

My dogs have been covered by Trupanion Pet Insurance for the past several years and I can personally say that they have been outstanding in their coverage and the professionalism of their employees.

My fur baby, Finnigan has skin allergies and was scratching like crazy. I submitted his vet bills not knowing if his treatments would be covered. I was happy when Embrace covered his bills.

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