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I have had this insurance for several years and they have always been fast and reponsive to my pet's needs. Recently, one of my cats died. I was devastated, and sent a simple question to the Embrace staff about stopping coverage. In one afternoon they responded to my question, adjusted my coverage, and returned a portion of my monthly coverage fee. I paid for cremation, knowing that Embrace would reimburse the fees. Then Embrace went above and beyond by sending me an email to let me know that they lot a vertual candle in memory of my kitty. That was such a personal touch, and not something they had to do. Just wanted to say that they have always been fast and efficient, but now I know they really care too. Thanks Embrace.

I adopted a puppy from the local Humane Society and looked into getting some pet insurance for her after we had a few minor puppy incidents. When I initially signed up, they hit us with a pre-existing condition of a heart murmur (even though it was on ONE vet note and it was when she was severely dehydrated) and several temporary conditions, which if they are seen again in 12 months, will be considered pre-existing. So, this was everything all puppies go through: parasites, diarrhea, vomiting, vaginitis, etc. Now, if our PUPPY gets one of these illnesses in the next 12 months, they won't cover anything related to those. In addition, I have since submitted three claims and had to follow-up on each claim because I either did not agree, or they claimed to not get the information from my vet. When I contested that the heart murmur was a pre-existing condition, they never got back to me until I followed up over a month later over the phone. I will be fair and say the few positives I have had are that customer service has been friendly and helpful and that submitting the claim is easy if you do it via email yourself. However, if you are paying a monthly fee and getting nothing covered, this is not nearly enough for me to stay with a company.

We were impressed with the team and their explanations of benefits for both our dogs. In a world that lacks customer service they get an A++++

During our emergency Trupanion made things very easy n us so we could concentrate on getting our puppy better. Thank you so much for the support you give.

We have been completely honest with this company but they have turned down every claim even the vet office appointments ( no surgery or anything expensive was submitted) NO previous health issues were submitted yet still no reimbursement!!! We were charged every month for the premium amount instead of every quarter and have not gotten a refund or a call. They use very friendly staff to get you to sign up then turn down every claim that is legitimate.I am going to call the BBB.

Claim process very easy. Spoke with Trupanion rep on the phone and he knowledgeable, helpful, and polite. The claim was paid within two weeks of submitting the same.I am an insurance agent and know the claims process can be difficult and frustrating. My experience with Trupanion was neither. Hope I do not have to make anymore claims, but am confident that Trupanion will be there for me and my dog if I do. Thank you!

Always handle everything timely!

I had another pet insurance for years and was not a good experience. I cannot say enough good things about Embrace..very prompt with claims, questions and emails. So far everything just seems strait forward (like it should be)

I had VPI since 1999, for a total of 6 dogs. Right now VPI covers" the second and third" generation of my dogs, and I have been very happy allover. Sure there are years when you think, why do I pay this?- but then the worst happens and VPI helps to pay for the cost. It is the same as health insurance for humans, you never should think about" can I afford this". Our pets are friends and family, and so much more, they deserve to be covered by insurances for their health and wellbeing. If more people would do this, there would be less " discarded" animals. The costs are affordable and the investment is well worth it. I would never have a pet without insurance.

We're incredibly thankful for Embrace. We've been members for 8+ years and have always had such great experiences working with them. Everyone is friendly and helpful and have always made us feel very much at ease in what can be stressful situations.