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Please be more specific about why claims are denied

After having my dog insured at another pet insurance company for first 10 years of her life I decided to cancel their insurance due to increasing annual premium and not have insurance for my dog. I did this for one year then I decided to find an insurance for my dog again due to her age nearing 12 years and health issues that will follow naturally due to her age. I found Pet Embrace insurance from online from favorable review and premium was one of the lowest out there for the coverage amount. Within three months of having Pet Embrace Insurance my dog got diagnosed with sheath nerve tumor on the nerve of her brain. She went through many diagnostics to find the cause...full blood work, x-ray scan, but ultimately MRI found the culprit. It was not cheap for diagnoses I mentioned. I had zero issue with the claim and it was paid out rapidly. Pet Embrace staffs were very friendly and genuinely concerned with my dog's wellbeing. Next step for my dog is radiation treatment if I decide to go that route and Pet Embrace has already told me that radiation treatment will be covered and they are there to support me whatever decision I take from now. It's great to know Pet Embrace Insurance is behind me and knowing that they will insure me on expensive radiation therapy is a huge relief. I can’t thank them enough for what they have done for me so far and full support they will give as I evaluate what is best for my dear family member. Thank you so much Pet Embrace Insurance from bottom of my heart!

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These guys have been so great to work with. I have a yellow lab that I adopted 1.5 yr ago. Since then he's been to the vet for dozens of different things. Embrace makes the process so smooth an easy to submit a claim. A reimbursement check was lost in the mail and they didn't question it. They sent me a new. I appreciate the professionalism and outstanding customer service theyve provided. I have and will recommend them to every pet owner I know.

It would have been nice to have someone tell me why my claim was denied instead of me having to figure it out myself

Based on my experience with HP, I was shocked to see how many delighted pet owners--100's! Wish I could say the same. After satisfying all requirements, my 2 year old Maltese mix got violently ill after eating from a new bag of Costco pet Food, necessitating several trips to her vet and emergency care. I submitted all required documentation and was told several times, I had to re-submit. Was stuff being filed properly? This went on for a couple of months. Many excuses. In the end, no real reimbursement. Was told, "We don't cover exams." Based on my experience I could not recommend.

The turnaround time from submitting to payment notification was really quick. I have no complaints, nor do I regret buying PetsBest for Charlie.

Thank heavens for Trupanion! When my 4 month old puppy started having neurological episodes barely over a month after bringing her home I immediately panicked fearing huge vet bills I wouldn't be able to pay. Having had some bad experiences with other insurance companies I almost didn't insure her, but my vet had encouraged me and told me he had more client satisfaction with Trupanion then every other insurance carrier he had worked with put together. So I took his word and enrolled her the day I made the deal with her breeder and she became mine. Thank heavens I did! Thousands of dollars latter and still no solid answers as to the cause of her episodes, I would have been in huge trouble or had to decline tests and possibly even put her down over money. Nothing worse then that! Thankfully Trupanion has my back - and hers! They have paid her claims quickly as promised with no haggling over anything my vet recommended for her. Thank you Trupanion for protecting my baby and showing me there is still one insurance company that truly is there for the animals, and allowing me to make decisions based off what my Vêt and I feel is best and not my bank account!

Thank heavens for Trupanion! When my 4 month old puppy started having neurological episodes barely over a month after bringing her home I immediately panicked fearing huge vet bills I wouldn't be able to pay. Having had some bad experiences with other insurance companies I almost didn't insure her, but my vet had encouraged me and told me he had more client satisfaction with Trupanion then every other insurance carrier he had worked with put together. So I took his word and enrolled her the day I made the deal with her breeder and she became mine. Thank heavens I did! Thousands of dollars latter and still no solid answers as to the cause of her episodes, I would have been in huge trouble or had to decline tests and possibly even put her down over money. Nothing worse then that! Thankfully Trupanion has my back - and hers! They have paid her claims quickly as promised with no haggling over anything my vet recommended for her. Thank you Trupanion for protecting my baby and showing me there is still one insurance company that truly is there for the animals, and allowing me to make decisions based off what my Vêt and I feel is best and not my bank account!

Tanner had an infected penis. I noticed because he kept licking himself. Our vet prescribed antibiotics, a flush to be done nightly and to keep a wrap on him for two weeks. At his followup visit she was very pleased by how well he responded and infection gone, no more licking and he is back to himself.