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My vet was actually able to bill the insurance company in advance and all I had to pay was the copay up front. Trupanion covered 90 percent of the cost. This helped us tremendously. I have had her on this plan for the last 2 years and this is the first time we needed to use it. I am so glad we chose trupanion.

I've only been a customer for about a month, but I've been impressed with their customer service. They've answered several questions for me very promptly. I've spoken with them over the phone and through e-mail and they are very courteous. Our orthopedic waivers were filed immediately, and I submitted two wellness claims that were paid out quickly though their optional wellness program. I now have direct deposit set up so that I don't have to wait on a check. We wanted pet insurance for emergencies, not for routine care or minor accidents/illnesses. We have healthy Corgis but the breed is prone to cancer, degenerative myleopathy, and back and knee problems which require surgery ($3-5k). As such, we chose to go with a $1,000 deductible and 90% payout for up to $10,000. For our dogs, this is about $17/dog per month. If you're a member of USAA, they offer a discount through the USAA website. Hopefully we will never need it, but it will be there if we do and makes me feel more secure knowing that money won't be the deciding factor in our pets healthcare.

Embrace is very prompt in reviewing claims. Their staff is extremely helpful and go the extra distance to get answers to your questions. I would recommend this insurance company.

My Charlie had a very strange episode. He was clearly uncomfortable, and was making strange head movements. I had no idea what was wrong with him. I videoed it to show the vet. We rushed him to the emergency vet, since my vet wouldn't be available for hours. He didn't demonstrate any of the symptoms by the time we got there, but had him checked out anyway. We agreed to the xrays, but declined blood work. Ended up being a bill around $550 with no clear diagnosis of what happened. Embrace reimbursed me $324.51. Claim was handled promptly and I was able to work with a real person! I'm very please with Embrace.

I love Trupanion and I recommend for this company for pet insurance. An insurance company reveals their true character when its time to file a claim. Unfortunately, I had to file some claims but Trupanion provides me peace of mind and takes away the financial stress. My last claim I paid a co-pay since they agreed to pay my vet directly. That gives me the freedom to make decisions on what is best for my dog. Whoever you get don't wait insurance.

I love Trupanion and I recommend for this company for pet insurance. An insurance company reveals their true character when its time to file a claim. Unfortunately, I had to file some claims but Trupanion provides me peace of mind and takes away the financial stress. My last claim I paid a co-pay since they agreed to pay my vet directly. That gives me the freedom to make decisions on what is best for my dog. Whoever you get don't wait insurance.

My 10 month long haired mini dachshund suffered from hematuria last week. He had to be hospitalized for one night with IV, antibiotics, prescription food, antibiotics, blood tests, etc. Over $400. Trupanion covered 90% of eligible expenses. Thank you.

My 10 month long haired mini dachshund suffered from hematuria last week. He had to be hospitalized for one night with IV, antibiotics, prescription food, antibiotics, blood tests, etc. Over $400. Trupanion covered 90% of eligible expenses. Thank you.

We have carried ASPCA Pet Insurance on our dogs for the better part of a decade. While the assistance with vaccinations, teeth cleaning and exams are welcome and appreciated, our primary focus was peace of mind for those events we can't anticipate and hate to think about. We just had one of those - an anal gland tumor that proved cancerous. We are just about to start treatments to hopefully cure the cancer. ASPCA expeditiously handled the claim for the operation that removed the tumor, and I have no doubt they will continue to handle our future treatment claims in the same manner. We have rarely had to use their services, but when we have had to, they have been there when we needed them.

I was not certain if I would like pet insurance and if it would pay without a lengthy wait, as does Medicare!!! The staff was courteous and the process of claim was began what seemed like the first day it was received by Trupanion. Today a received a check for a claim that was less than one month old. Part of the Vet bill I did not pay once my deductible was met. At this writing I am happy with my choice and I did not have to decline any testing that was appropriate for the illness.