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When we brought our Yorkie, Bailey, home I wanted to make sure he was in good health and had the proper health coverage. I had pet insurance with my previous dog but I wasn't completely satisfied with the coverage so this time I decided to shopped around. I examined the top ten rated pet insurances listed on line. Embrace Pet Insurance offered both an accident and illness policy and a wellness policy. Both policies are important to me. The Wellness Policy s something you use annually for things like shots and teeth cleaning.Veterinary costs are expensive but when you love your pet they become family and you want them to have the best veterinary care. At 8 weeks of age Bailey needed all the usual puppy shots plus a flu vaccine. The heartworm and flea medicine isn't cheap either. At 6 months we had Bailey neutered and he had to have some baby teeth pulled that were interfering with his adult teeth. All of these things were covered at 100% up too the $400.00 annual maximum. Embrace also offers direct deposit directly into our checking account and that made receiving our reimbursement that much faster. I haven't had to use the illness or accident insurance yet and hopefully I never will but I have it for Bailey just in case. It gives me peace of mind. My first Yorkie had cancer of the mouth and the surgery was so costly but it saved his life for 6 more years and I don't regret our choice. He lived to be 18 years of age. That's the reason I have pet insurance. Embrace gave me opti

My 5 year old rottie has been through so much in her life that without pet insurance I would probably have gone broke by now. I didn't always have ASPCA Pet Health Insurance but I'm glad I switched. They have lower premiums, better refunds, and they cover hereditary issues for a reasonable price. Currently my rottie is undergoing therapy for a failed TPLO and I've had to pay over $7,000 already and have gotten just about $5,500 worth of it back and am still waiting on my next refund. They are always calling to check on my pets and I love that they send out little handwritten cards to say thank you, or to wish my animals well. I'm always an advocate for helping animals and though I know this insurance company isn't exactly the ASPCA it still makes me feel better knowing that I always have someone standing beside me when my animals are in need of care.

Our Beloved Romeo, an English Bulldog, was literally one very sick puppy. He developed Aspiration Phneumonia. Our veterinarian bills were quite high. We even had to have Romeo transferred out to a University Hospital. We held our breath, as we received the invoice. We were delighted to know that Trupanion received our claim the day after Romeo came home. Within 10 days we received a check for 90% of the claim. I have a friend, who is a physician, she joked that it would be a miracle if human insurance claims were paid as quickly. WE ARE GRATEFUL TO TRUPANION!!!

Our Beloved Romeo, an English Bulldog, was literally one very sick puppy. He developed Aspiration Phneumonia. Our veterinarian bills were quite high. We even had to have Romeo transferred out to a University Hospital. We held our breath, as we received the invoice. We were delighted to know that Trupanion received our claim the day after Romeo came home. Within 10 days we received a check for 90% of the claim. I have a friend, who is a physician, she joked that it would be a miracle if human insurance claims were paid as quickly. WE ARE GRATEFUL TO TRUPANION!!!

Embrace is my first experience with a pet insurer and it has been nothing short of exceptional. My 16 month old black lab tore her ACL last month which resulted in surgery and several follow up vet visits. Embrace has honored every claim in a timely fashion with no issue. I highly recommend Embrace and will use it for all future dogs.

Response time was reasonable and we were satisfied with the result. The covered portion was applied to the deductible as we expected.

My little "Puffy" had a horrible bout of Pancreatitis that left me feeling nervous about whatever the outcome would be. I asked the vet that Saturday morning when she was diagnosed and in a terrible state. "What I should do?" She stated "Get in the car and take her to the Emergency Center" which is exactly what I did. After presenting my credit card to whatever register needed/requested it, she was soon on the road to recovery. It definitely took time. 2 weeks and many other visits later, Puffy is back to her normal, happy self and I couldn't be more grateful. It was expensive as Puffy was on fluids and medication but I kept saying to myself "If Trupanion covers 60% then they are worth every penny." Puffy was out of pain and on to recovery. Trupanion covered closer to 90 percent of the items they said they would and now that Puffy is back to where she should be, Trupanion is more than worth every penny. You are my heros! Thank you for the bottom of my heart!

My little "Puffy" had a horrible bout of Pancreatitis that left me feeling nervous about whatever the outcome would be. I asked the vet that Saturday morning when she was diagnosed and in a terrible state. "What I should do?" She stated "Get in the car and take her to the Emergency Center" which is exactly what I did. After presenting my credit card to whatever register needed/requested it, she was soon on the road to recovery. It definitely took time. 2 weeks and many other visits later, Puffy is back to her normal, happy self and I couldn't be more grateful. It was expensive as Puffy was on fluids and medication but I kept saying to myself "If Trupanion covers 60% then they are worth every penny." Puffy was out of pain and on to recovery. Trupanion covered closer to 90 percent of the items they said they would and now that Puffy is back to where she should be, Trupanion is more than worth every penny. You are my heros! Thank you for the bottom of my heart!

the terms are clear. when my great dane had bloat and gastric torsion, the bill was a bit over $5k. After my deductible, they paid 80 percent just as the policy called for. I never even had to talk to them. They handled everything through my vet and I received a check within 20 days. It was so easy and I would go with this company again and again.

After sending in a claim it was 4 days when the claim was completed. When calling a payment the girls are extremely kind and caring. They always ask how my dog is doing, Thank you