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My dog Maci had a few lumps that the vet was not sure about. so, we had them removed and tested, thankfully they were not cancerous. and Pests Best paid my claim in less that 2 weeks, thanks.

Customer service is great

Customer service is great

I was in tears last night when I called as we were on the verge of losing our little boy. He's been to our vet, then an emergency vet the following day and now a specialty hospital. We are literally broken at this point as we've paid the vets everything we can and have nothing left for deposits or anything and I wasn't sure how I would handle today's visit with another deposit of $2300. Your rep explained to me how direct pay works and I am so grateful. I was at brakeing point and he was so kind. You have the best customer service anytime I've had to call! I would have lost my best friend had I not had trupanion.

I was in tears last night when I called as we were on the verge of losing our little boy. He's been to our vet, then an emergency vet the following day and now a specialty hospital. We are literally broken at this point as we've paid the vets everything we can and have nothing left for deposits or anything and I wasn't sure how I would handle today's visit with another deposit of $2300. Your rep explained to me how direct pay works and I am so grateful. I was at brakeing point and he was so kind. You have the best customer service anytime I've had to call! I would have lost my best friend had I not had trupanion.

I had a bill for $21.87 and when the vet submitted the claim they forgot to include the invoice. Embrace reached out to let me know. Their customer service is outstanding! A small bill and they still wanted to be sure I was paid. They are efficient and concerned about our pet,as well, no matter the issue. I did a lot of research before I chose Embrace and have had them for over 2 years. I have also had some very expensive claims over $500 they have taken care of.

I am very happy with this insurance.

I have had a great experience with Embrace and I hope to continue to do so

I have been with embrace for many years. Thank goodness my babies have never gotten ill until 6/20/2017 when my lilo that is only 3 yrs old. She was shivering so I held her & put her on my chest. I checked her temperature & it was fine. In a split second her body curved, her eyes started going crazy, she couldn't keep her balance & threw up. I immediately ran to a 24 hour ER. The doctor observed/evaluated her, advised me could possibly be vertigo but in order to determine that they would need to complete an MRI. LILO had to stay in the ER for about 3-4 days to be evaluated. Counting my blessing she would be ok & knowing she was being well taken care of as well as knowing she has had health insurance to help me with hefty bill. Finally released I submitted the bills along with all the information that was done to her during those 3-4 days/nights she was at the hospital. I receive 3 different emails for 3 different claims (it was only 1 claim for all the time she was there). First nights bill is not covered because apparently it was due to a chronic ear infection which they are saying it was something pre-existing she had from 2014 and not covered. The ear infection was not found until the second night of her being at the hospital. I do not think nor believe a ear infection should be something considered as Embrace is stating that it is a "a dermatologic condition". I really don't understand that concept as an ear infection can be caused at any time for any reason as like a fever and should not be classified as a "dermatologic condition". I contact Embrace and spoke with Magen Fletcher who was very rude to say the least. She explained that I now have to submit an appeal. Asked her if she can contact the ER and speak with the doctor to obtain the information to re-evaluate the information better. She stated "no that is the job of the pet owner". I didn't know I had to do their job in order to obtain any and all information to determine the exact DX for lilo. She then sent me an email stating "As we discussed on the phone, you do have the right to appeal the claims. To do so you would need a letter from your veterinarian (which can be in the form of an email) stating why you feel these claims should be covered and any supporting information. The letter would be reviewed by our underwriters and they would make the ultimate decision on whether the claims can be modified". I have four dogs under this insurance and pay a nice monthly bill to have this insurance.

My chihuahua is 14 years old and in pretty good health so far. But, she still needs to see the vet a few times a year. ASPCA pet insurance is always there to offset the cost of this care. The staff is wonderful, friendly and helpful. And, the response time on claims is efficient. I recommend this insurance to friends without reservation.