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I love Embrace for several reasons. There are no hidden fees when your policy renews(unlike PetPlan). Also, their customer service people are alwasys so nice and professional(unlike most I have spoken to at PetPlan). Last, they process claims in 1-2 days! I love you guys!

We have been with Embrace for over a year--and not once have they failed to answer all our questions, respond immediately with caring customer service and treat our Brittany Rustee as a member of their family.

We have been with Embrace Pet Insurance for seven years and the process is extremely easy when filing a claim. They are also super fast with reimbursements and the customer service is awesome.

I initially purchased this insurance as it was one of the few that offered wellness coverage. Once my dog turned 7, I purchased a Senior package from my vet which was a bulk package for services. For two years Pets Best reimbursed me for the individual services they covered under this plan. I was still paying more out of pocket, however, I felt it was worth it. This year, however, Pets Best refused my claim for wellness services stating that I was receiving a discounted service so they wouldn't cover it. I mentioned they had covered it in the past. They stated that it was a mistake (for two straight years?) and that they would not cover it. I said that I wanted to drop the wellness off my policy since I wasn't going to be able to use it. They stated that it was over 3 months from my renewal and I would have to wait until next year. Now, my renewal was early June, I filed my claim late August, by the time they did their due diligence and contacted me, it was now over the 3 months and I would have to wait until next year. I had no reasonable expectation that they would not cover these services as they had covered them the past TWO years! They would not work with me to drop the coverage they would no longer honor and allow me to retain only the illness/accident insurance. They pushed the claim past the 3 months, I filed before that timeframe was up. So I had to cancel my whole policy as I was not going to pay a couple hundred dollars for a service I wasn't going to be able to use. I have never had a company so rigid and less devoted to customer service. I had been a solid customer making on-time monthly payments for 6+ years. I had no indication that they wouldn't honor my claims as they had in the past and they still wouldn't make an adjustment. I would never recommend this insurance company to anyone based on the way I was treated and how uncompromising they were when they were in the wrong.

We have 4 dogs insured by Embrace. Simply put, the company is outstanding. Easy and very quick claims response, great communication (they email when claim received from vet and again to tell us claim is covered), claims are ok'ed per the policy....never any issues, the people who work there are very pleasant, helpful and knowledgeable (they even followed up with vet to remind them to send additional info on this dog's history and then claim ok'ed for skin infection; we did no work! ....we have a high deductible and high annual coverage which makes it very affordable. We have $1,000 deductible but $15,000 policy for peace of mind for catastrophic events. Have not hit $1,000 deductible yet for any dog, but so far they have inspired confidence that we are well covered and claims will be paid when we do exceed deductible. Peace of mind is very affordable! Check it out!

We were warned that puppies are expensive, but we decided to pull the trigger anyways! We had only had little Remy for a few weeks when he got super sick on Sunday night of Labor Day weekend when our new vet was already closed...until Tuesday! We rushed him to an unknown after hours clinic where we were advised that if we didn't leave him overnight he may not make it (dehydration that main concern for the 9 lb. puppy). Leaving him overnight at a foreign place was nerve wracking enough, but they ensured us that the took Trupanion and that they are the best coverage they had seen. So that was comforting. Sure enough they were right! Trupanion coveraged exactly what they promised (90%)! And they dealt directly with the clinic so we didn't even have to pay out of pocket to get reimbursed. So easy! I called customer service a few times to get my insurance number and confirm coverage and they were SO nice! Overall incredible insurance experience and little Remy is doing great!

We were warned that puppies are expensive, but we decided to pull the trigger anyways! We had only had little Remy for a few weeks when he got super sick on Sunday night of Labor Day weekend when our new vet was already closed...until Tuesday! We rushed him to an unknown after hours clinic where we were advised that if we didn't leave him overnight he may not make it (dehydration that main concern for the 9 lb. puppy). Leaving him overnight at a foreign place was nerve wracking enough, but they ensured us that the took Trupanion and that they are the best coverage they had seen. So that was comforting. Sure enough they were right! Trupanion coveraged exactly what they promised (90%)! And they dealt directly with the clinic so we didn't even have to pay out of pocket to get reimbursed. So easy! I called customer service a few times to get my insurance number and confirm coverage and they were SO nice! Overall incredible insurance experience and little Remy is doing great!

I've had Trupanion for 6 years now and have 7 animals insured. My 17 year old cat has Hyperthyroid and, as a result, has ongoing issues. Trupanion has always taken care of the claims quickly. I can't stress enough...DO NOT WAIT UNTIL YOUR ANIMAL IS ILL TO GET INSURANCE. IF you insure them immediately upon adoption/purchase you'll love dealing with this company. I have always had more than a pleasant experience with them. For years I didn't have to make claims, however, over the last 12 months I've had claims paid on 5 of my 7 animals. The overall amount paid out by Trupanion was over $12,000. These policies allow me to provide top notch care for my fur kids :) The staff are ALWAYS wonderful to deal with and nice to chat with. IF you are shopping for insurance please consider this company...you won't be disappointed!

I've had Trupanion for 6 years now and have 7 animals insured. My 17 year old cat has Hyperthyroid and, as a result, has ongoing issues. Trupanion has always taken care of the claims quickly. I can't stress enough...DO NOT WAIT UNTIL YOUR ANIMAL IS ILL TO GET INSURANCE. IF you insure them immediately upon adoption/purchase you'll love dealing with this company. I have always had more than a pleasant experience with them. For years I didn't have to make claims, however, over the last 12 months I've had claims paid on 5 of my 7 animals. The overall amount paid out by Trupanion was over $12,000. These policies allow me to provide top notch care for my fur kids :) The staff are ALWAYS wonderful to deal with and nice to chat with. IF you are shopping for insurance please consider this company...you won't be disappointed!

The free trial is really false advertising. The fine print says no claims will be paid during the first 30 days of sign up. Therefore - not really free is it? Its false advertising. My puppy came with a free trial and when I could not activate it, then I called in and was told that it only activates upon visiting the vet first and then activation within 24 hrs of that visit. So I went to the vet with them, then I registered them online. A week later, one of the puppies had low sugar and diarrhea. Trupanion wont cover the vet emergency as they said I did not activate the certificate within the time period (which I did according to the rep on the phone) and secondly, it is a precondition? Since when is low sugar and diarrhea a pre-condition? my pup stopped eating. I didn't know there was such a thing as precondition. Then the final thing: No coverage in the 1st 30 days of activation of certificate for free trial? Isn't that the point of free trial to get coverage and see if we liked it. I had registered to enrol further after my emergency visit and now I am going to remove all my pets from this insurance company. I have been led to believe that insurance is insurance, whether trial or not. I don't like to be falsely mislead.