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BUYER BEWARE: I signed up with Trupanion in 2013 after my dog had to have spinal surgery. Due to the cost of the surgery and rehab I wanted protection in case this happened again. Trupanion knew of the previous spinal surgery when they signed me up, assuring me that if my dog needed spinal surgery again in the future she would be covered. In April of 2017 a Veterenarian was doing a routine exam on my dog and injured her back. I took my dog to the spinal Dr to have her checked out since she was in discomfort. Mind you this is the 1st back problem my dog has had since the surgery in 2013. When I submitted the paperwork to Trupanion I was denied coverage because it is considered a pre-existing condition. I argued the point that she was injured by a person and this is an acute situation not a pre-existing. Still they denied my claim citing the 2013 surgery, so basically I have been paying for 4 years for nothing and never had coverage for the one thing I was trying to protect myself from. If you google pet insurance Trupanian is not even in the top 10. My suggestion would be to run from these people, cancel your policies immediately and go with some one else.

We have both Welllness and Emergency insurance. We haven't had to use the emergent care, but wellness has been so fast in turning around the checks! Also, it's super easy to email the claims.

Embrace responded immediately when they received the information and claim from my vets. I had a check within 2 weeks or less.

My Rottweiler,Sasha, is a big girl with a very sensitive tummy...we have the wellness option along with medical insurance and it is so very helpful.It covers her probiotics, which are a must for her,especially if we are going out of town. Any change can set off her tummy rumbles, and she doesn't do well with strange vets. I submitted her claim on Saturday and it was approved on Thursday. How's that for record time. Everyone I have ever dealt with at Embrace have been so very nice and caring. Would and have recommended them.

I received a email that my claim for prescription was received and processed, it's been less than 6 days, they already mailed a check to me.. So far I'm very pleased that I chose to go with Embrave for my pet insurance.

I enrolled my bulldog in Embrace when I first got him as a puppy. It has been the best decision I could have made for him. Bulldogs are notorious for health problems and having the security of insurance gives me incredible piece of mind. They process claims in a timely manner and get my reimbursements back to me quickly. I absolutely love them!!!

There are alot of choices out there, but ASPCA exceeds in Customer Care and very fair reimbursement of Claims.Would not allow my Yorkie to go without it.

Although there is some ambiguity as to what is covered and what isn't without reading the fine print, ASPCA tends to process claims quickly, approve a reasonably fair amount of the bill total, and pay promptly.

My cat stopped eating and I took him to ER. We did ultrasound, X ray and 3 blood tests, but found nothing abnormal. His appetite didn't improve, so he stayed at the pet hospital for 4 days. He is fine now, but our vet bill was about $3000. We paid the bill with Care Credit and were able to put 90% of it back after we got refund from Embrace. They took care of it quickly and I'm so glad my cat is covered by them!! I highly recommend Embrace Pet Insurance

My Dog is living with cancer at the moment. After a bit of back and forth, Embrace agreed to cover the cost. I have found that the communication and turnaround for claims is pretty consistant fast. When I do voice a concern they are quick to respond. This is very important to me.