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Speedy reimbursementHigh monthly premium Low reimbursement, as the "deductible" applies to each new condition. Perfect for high vet bills (surgery, etc), but not good for minor conditions

When our 1 year old Frenchie started vomiting blood on Christmas Day, we felt we had no choice but to get him to the Emergency Vet Clinic in our area. Embrace never questioned this decision and paid our claim promptly. Pets really do come first with Embrace, Oliver is fine now, but knowing we have this insurance gives us great peace of mind for Oliver and for our 5 year old Boxer's health care.

I was pleasantly surprised by this insurance. Initially there is some work you need to do to get everything running smoothly, but once you do it, it all pays for itself.

This is my second policy. My first puppy lived three weeks and died of Leptospirosis. Embrace was TOTALLY amazing. The payments were made more than promptly. Then.. a hand signed sympathy card from their team when Harry died! Fortunately the breeder persuaded us to take Harry's brother and we now have Henry with an Embrace policy of course. This is a no gimmick, straight, superb dog insurance company from nuts to bolts. Go Embrace!!! AND…. have your puppy vaccinated against LEPTO!!!

we have a 3 year old mixed bread that has addison's disease. he almost died last christmas of undiganosed addison's disease. The bills put a real damper on christmas but thanks to healthy paws, we fill out the paperwork and we were reimbursed 90% ! Now one illness is bad enough, just last week our dog needed knee surgery from falling on the ice. Knee surgery is not cheap ( $3000) . Again we will fill out the papperwork and healthy paws reimbursed us 90% within days after the surgey! My expereince with other insurance companies on other matters would either raise your rates or drop you as a policy holder. I think other companies should follow the same suit with their customers. To top it off they even have emailed us , 3 x times to check on our dog!

We had to bring our 5 month old puppy to the emergency one night because she was in so much pain. The doctors had to run a whole bunch of tests and she was later diagnosed with a form of bacterial meningitis. Having Embrace made the decision to pay for all of those tests and treatments easier knowing we would a good amount of it back. The staff at Embrace were super helpful and kept me informed of what stage the claims were in.

I'm very skeptical of insurance companies because of the potential for "fine print" exclusions but Trupanion has completely won us over with their clear and simple policy. This also being our first dog I didn't know what to expect but I'm extremely happy with our decision to go with Trupanion. They've been very helpful whenever we called. You can tell their agents are pet owners and care for the well being of your pet. Our complex and expensive claim was handled within 2 weeks and our annual rate increased only a few dollars. The rates are based off of all the claims for your specific breed in your area but I'd wager our claim was amongst the highest this year so going up a few dollars wasn't unexpected and we feel was reasonable. The fact that they cover 90% of any unexpected procedure (less the deductible and office visit) truly helps us sleep better at night and that's worth a lot more than the monthly premium to us.

I'm very skeptical of insurance companies because of the potential for "fine print" exclusions but Trupanion has completely won us over with their clear and simple policy. This also being our first dog I didn't know what to expect but I'm extremely happy with our decision to go with Trupanion. They've been very helpful whenever we called. You can tell their agents are pet owners and care for the well being of your pet. Our complex and expensive claim was handled within 2 weeks and our annual rate increased only a few dollars. The rates are based off of all the claims for your specific breed in your area but I'd wager our claim was amongst the highest this year so going up a few dollars wasn't unexpected and we feel was reasonable. The fact that they cover 90% of any unexpected procedure (less the deductible and office visit) truly helps us sleep better at night and that's worth a lot more than the monthly premium to us.

A few of my friends have other insurers for their dogs, and all have said Trupanion covers so much more and seems easier and better to deal with in general.

A few of my friends have other insurers for their dogs, and all have said Trupanion covers so much more and seems easier and better to deal with in general.