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Although not the least expensive of available options, the ease of submitting claims and the speed with which they are processed is quite outstanding. Phone support is also efficient, friendly and "above and beyond". What is disappointing, however, is the fact that the examination fee is NOT covered. This is often at least 50% of the cost of a typical visit, so in reality, the deductible for each visit is the cost of the examination PLUS the policy deductible amounts per condition and for each year. In reality, pet insurance is really for major or catastrophic types of medical claims. Think of it in that way. I doubt that very few if any people actually recover the premiums they have paid over the average lifespan of a pet from the claim payments you receive from the insurer. If you have the discipline to take the $100 per month in premiums and put it away in a savings account, you will most certainly be money ahead. It would also allow you to pay for one or two catastrophic type of injury or illness claims along the way. The only time it would be a net loss is if you have the misfortune of having a serious injury or illness early on in the pets life.

Although not the least expensive of available options, the ease of submitting claims and the speed with which they are processed is quite outstanding. Phone support is also efficient, friendly and "above and beyond". What is disappointing, however, is the fact that the examination fee is NOT covered. This is often at least 50% of the cost of a typical visit, so in reality, the deductible for each visit is the cost of the examination PLUS the policy deductible amounts per condition and for each year. In reality, pet insurance is really for major or catastrophic types of medical claims. Think of it in that way. I doubt that very few if any people actually recover the premiums they have paid over the average lifespan of a pet from the claim payments you receive from the insurer. If you have the discipline to take the $100 per month in premiums and put it away in a savings account, you will most certainly be money ahead. It would also allow you to pay for one or two catastrophic type of injury or illness claims along the way. The only time it would be a net loss is if you have the misfortune of having a serious injury or illness early on in the pets life.

I would recommend this insurance to every one.

We have been with Embrace 8 yrs now for our two cats. Having insurance pay a straight percentage for services is the best way to go, especially with rising costs as we pick how much can spend for premiums. Embrace has always been there to quickly process our claim for veterinary service. Thank you Embracers!

My claim was processed and paid quickly

My cat was diagnosed with Polycystic Kidney Disease in January. Since then she has visited the vet many times for blood work, urine tests, etc. Trupanion has paid my claims promptly. This is my first experience with pet insurance and I am very pleased.

My cat was diagnosed with Polycystic Kidney Disease in January. Since then she has visited the vet many times for blood work, urine tests, etc. Trupanion has paid my claims promptly. This is my first experience with pet insurance and I am very pleased.

I was reluctant to buy pet insurance; however, after much thought and researching various pet insurance options, I landed with Trupanion. My 1 year old Alapaha Bulldog recently injured her leg. Without Trupanion I would not have been able to afford the surgery. Trupanion has been very helpful in answering questions. Quick to reply to estimate and very timely with processing claims. I would not hesitate in recommending Trupanion. The biggest gift, I was able to give my puppy the surgery she needed. Without it, she would have lived a life in pain and on pain meds. Thank you Trupanion for allowing me to help my bestfriend! Having peace of mind knowing the surgery would be covered allowed me to make the best decision for my little girl!

I was reluctant to buy pet insurance; however, after much thought and researching various pet insurance options, I landed with Trupanion. My 1 year old Alapaha Bulldog recently injured her leg. Without Trupanion I would not have been able to afford the surgery. Trupanion has been very helpful in answering questions. Quick to reply to estimate and very timely with processing claims. I would not hesitate in recommending Trupanion. The biggest gift, I was able to give my puppy the surgery she needed. Without it, she would have lived a life in pain and on pain meds. Thank you Trupanion for allowing me to help my bestfriend! Having peace of mind knowing the surgery would be covered allowed me to make the best decision for my little girl!

I have had great experiences with this company! They have been responsive to questions and claims. I feel much more secure in being able to get the treatment I need for my boys because I know it is not going to break the bank. They have a good number of policy choices, and the wellness option is an amazing value. Love this company!