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My little Chihuahua was having pain and after narrowing it down to something in her mouth, but bring soo small we made the desicion to put her under general anesthesia to throughly investigate and take X-rays not knowing what it would be. We submitted a pre approval to trupanion and after finding that she needed to have many non vital teeth removed on the moment, i needed up with a huge bill tot pay. The vets office submitted the final claim, which I had already fully paid, via email and I was reembursed within 48 hours (I had already set up direct deposit on a previous claim)I am thankful for trupanion as I was able to take care of Mia right away which was my priority

My little Chihuahua was having pain and after narrowing it down to something in her mouth, but bring soo small we made the desicion to put her under general anesthesia to throughly investigate and take X-rays not knowing what it would be. We submitted a pre approval to trupanion and after finding that she needed to have many non vital teeth removed on the moment, i needed up with a huge bill tot pay. The vets office submitted the final claim, which I had already fully paid, via email and I was reembursed within 48 hours (I had already set up direct deposit on a previous claim)I am thankful for trupanion as I was able to take care of Mia right away which was my priority

Never had a problem with my claims. They respond as soon as they receive the claim and I have my money back within a couple of weeks. Great insurance! Totally worth it.

Very fast claims process, staffs very grind and helpful

I submitted a claim for a wellness visit thru my phone and received notice just days later that I will be receiving a check. It was a very easy process.

When we decided to keep the 4 (yes 4) feral kittens we found in a rainstorm, I knew we would need insurance on them. While I did not take the wellness coverage, the accident/injury coverage has been such a great relief! Duncan was the smallest and weakest of the kittens, and has had some issues because of it, most of them gastric or urinary tract in nature. Embrace has indeed 'Embraced' our baby and helped us provide the emergency care he needed. Thank you so much, Embrace!!

When our dog Molly was adopted from a county animal shelter at 8 weeks old she was a happy beautiful puppy. After she was potty trained she started having inappropriate urination while she slept. After tests ($$), it revealed she had some urine issues. She then began to have a painful mouth and bad teeth so we decided we better purchase some pet insurance for her (turns out a wise decision for us). While the urine and dental issues were deemed pre-existing and not covered, the pet insurance still proved valuable. A few months later Molly (overnight) became lame in her back legs. We were devastated. Thousands of dollars and months of testing finally revealed she has a neurologic auto immune issue. We filed a claim for this and it was denied. Embrace said it was an orthopedic issue and fell within the 6 month orthopedic waiting period (we did not complete the orthopedic waiver exam). After some back and forth and further info provided to Embrace by the doctor, the denial was overturned and the claim was paid. At just 2 years old Molly will have a long road ahead of her and we are glad we purchased the pet insurance for her. Embrace was fair with us and listened to our dispute of their claim denial. Their staff is friendly, caring and follows up. I am happy to share that Molly is doing better at this time and playing again like a puppy! Pets can be very expensive and it is wise to protect yourself with Pet Insurance as you would protect your family with health insurance.

My 3 year old dog contracted a bacterial infection that rapidly attacked his kidneys, shutting them down. His only chance for survival was to receive dialysis at the closest facility 4 hours away. Most dogs in his grave condition do not survive because they are unable to receive this costly level of care. After 4 dialysis treatments, a blood transfusion, and a month in critical care, he was able to come home. He currently receives care locally while his kidneys continue to heal. I had really never considered that he would have to go through this experience. I am very grateful that he was able to receive the level of care that he has which truly saved his life.

I am so thankful Embrace was there for my goldendoodle when it was needed. She needs ACL surgery and it is covered under the plan I chose. Every claim was handled quickly and in a professional manner. It has been a pleasure dealing with the staff. All my questions have been answered. This company is great and I highly recommend it.

I have a dog covered under a different insurance company. The policy covers eighty percent of the medical costs. When I signed up with them they were upfront about not covering my dog's knees for the first six months. This eliminated any preexisting clauses for this condition. Now to Trupanion...A friend recommended them based on a positive experience. They cover ninety percent of costs so I thought I'd use them for my other dog. Signed up, asked them when my policy would be in full force, was quoted a date, scanned the policy figuring they would be like the policy on the other dog...wrong! The dog took a wrong turn in the mud and came up lame. The vet did radiographs and said the ACL had a tear. So I sent in the claim and got rejected. After several lectures from the Trupanion staff I canceled the policy. It seems that in their "not covered" areas are those tricky pre-existing conditions. Unfortunately for the pet owner most times the only way you know you have a pre-existing condition is to have your pet checked, which with this company would include: illnesses or injuries that occurred or began within the 18 months prior to the policy enrollment (even if they are not in your pet's medical records), luxating patella, cranial cruciate ligament tear, glaucoma, entropion, ectropion, elbow dysplasia, cataracts, cherry eye, hip dysplasia. So, in other words, you better know the insides of your dog because this company has a bunch of legal loopholes to jump through so they won't have to cover you.