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Embrace is timely, if nothing else. Even when rejecting claims, they are quick. When I have filed appeals, they have been quick to review and even overturned their original decision (thanks to additional documentation, of course). In their letter to notify me of their new decision, one of their VPs went so far as to provide their contact info, in case I had any questions.

After five years of paying premiums I get a letter out of the blue that they are decreasing what they will pay in co-insurance. This is on top of a recent increase in premiums and increase in deductible. They will not share how they decided to reduce our coverage by 20%. It is a 'secret' what they base their calculations on. Paying premiums for 80% co-insurance and $5000.00 per incident/condition. My dog just reached $5000.00 total for all health conditions combined after 5 years. You are exopected to accept it because gee whiz they will recview it again in 6 months. Of course who would object to paying another 20%? Like others have said average payment is over a month. Also appear to penalize you if you submit frequent small claims

The wellness claim I submitted was processed in less than a week! The customer service at Embrace is second to none. Someone always personally responds within 24 hours. The website and policy is easy to read and understand--which is more than I can say about my own health insurance! I highly recommend getting pet insurance if you have a fur baby and when you do, Embrace is the best choice.

TRUPANION PET INSURANCE - WHAT CAN I SAY ABOUT THEM EXCEPT THEY ARE THE BEST! ALWAYS SO VERY, VERY HELPFUL AND FRIENDLY. AND IF YOU NEED TO FILE A CLAIM, THEY ARE SO VERU QUICK TO ACT ON IT AND PROCESS IT. AWESOME COMMUNICATION WITH THEM. THEY ARE SO VERY CARING AND KIND. MY EXPERIENCE WITH THEM HAS BEEN MORE THAN EXCEPTION. I WOULD HIGHLY RECOMMEND THEM TO ANYONE!

TRUPANION PET INSURANCE - WHAT CAN I SAY ABOUT THEM EXCEPT THEY ARE THE BEST! ALWAYS SO VERY, VERY HELPFUL AND FRIENDLY. AND IF YOU NEED TO FILE A CLAIM, THEY ARE SO VERU QUICK TO ACT ON IT AND PROCESS IT. AWESOME COMMUNICATION WITH THEM. THEY ARE SO VERY CARING AND KIND. MY EXPERIENCE WITH THEM HAS BEEN MORE THAN EXCEPTION. I WOULD HIGHLY RECOMMEND THEM TO ANYONE!

Very "caring" until you use the policy for ongoing pet health issues. Now that our cat has been diagnosed with chronic health issues, that "caring" nature has disappeared and been replaced with policy reviews, decreased co-pay (now 50%), and increased deductible. Not worth the cost of the premium!

Molly B is my pug who recently had a surgery because she ate a stick in our yard. I have had insurance a few years back for Miss B of which covered nothing except for 20 dollars here and there. I was so pleasantly surprised when the insurance covered most of MOlly B's foreign object surgurey. The company is super prompt, easy to submit claims and user friendly. I highly recommend this insurance and will be keeping it.

We have been covering two dogs since January one of 2016. Although they both had some pre-existing conditions, one dog pad cranial cruciate ligament tear needing surgery. The staff was very helpful and prompt regarding information and subsequent coverage and payment. I was very impressed with their professionalism and helpful attitude. I would recommend this company two others.

This visit was just an annual check up. I am impressed with the coverage as well as the quick reimbursement turnaround.

Our pets are family members and they get sick and have accidents just like us. We have submitted claims for our Papillon for a torn ACL and fractures leg. Our ASPCA pet plan covered the majority of the expense. They issued a prompt check after submitting our claims and were followed by a call to check up on our pet.I high recommend getting this insurance for your pet.