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This Insurance is a waste of money!!! It may only be useful for newborn puppies that do not have a Medical history at the vet because of previous Lab results they will relate it to all illnesses and won't cover at least for medications or office visits...Please don't get this insurance if you really want to save money & get covered ! they only want to collect your monthly payments. they will use any previous lab, blood results and relate it to the illness so they won't cover . My dog has a congenital condition (something they say they will cover).

I've had Embrace insurance for several years now, but (fortunately) have never needed to make a claim. Right before Thanksgiving, my cocker spaniel, Gromit, tore her ACL and meniscus, chasing Turkeys, no less! My local vet told me that she would need specialized surgery, called TPLO, to give her the best chance at a full recovery. Gromit had the surgery the next week at a specialty animal hospital. The cost of the surgery was $3,400. Since I had never filed a claim, my normal $500 deductible was reduced by Embrace to $350. I had to pay the full amount of the surgery up front, but the hospital faxed in the claim for to Embrace for me. I received an email from Embrace a few days later, confirming that the claim is covered at 80% and that the check was in the mail to me. I was also provided instructions to sign up for direct deposit for any future claims! I had heard nothing but good things about Embrace in the past, and I can certainly attest that my own experience with Embrace has been excellent. I brought Gromit in for a follow-up visit last Saturday, and was describing my positive experience with Embrace to the vet tech on staff. She told me that she has heard from people with other insurance companies about how difficult it can be to get claims paid by them. She was so impressed with my experience with Embrace that she wrote down the company name and contact information and will be recommending Embrace to other pet owners.

This is the best pet insurer

Professional organization.

I just wish I got a discount because I have three pets. I love trupanion. They have been honest and have paid claims rapidly and without a fuss. Thank you!

I would tell anyone that your customer service is right on the money. Everyone I talked to has been so nice to me to resolve this issue

Trupanion has been wonderful. I signed up for a free month through my vet and kept it after the free trial. When my dog started having grand mal seizures, I was so worried and didn't know if the insurance would really work. It has been such a blessing as it has covered 90% of her testing and medicines. The customer service is great and they pay up front to my vet. Thank you for helping me take care of my baby!

Great customer service. Would like to see them pay a little more on medications, although the rep says it's not determined by them. Always professional and helpful when I contact them.

My 6-year-old kitty was sick with GI problems that required some fairly expensive tests to determine the source of her illness. The bills totaled over $600, and I am so glad I had Embrace insurance to cover 80% less my deductible. Embrace has devised the most customer friendly reimbursement procedure I have ever encountered. I faxed a simple one-page form, complete with vet's notes and signature, and got an immediate reply from Embrace. In less than a week, I learned that my claim had been covered, and the refund was directly deposited to my checking account. One experience like mine pays the annual premium for this excellent pet insurance.

This is the first time I have had a big claim and everyone I talked to was very helpful.