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I called to discuss the rate increase and received very bad customer service. I called back to cancel the insurance. After talking to Joe Koenen, he explained the reason for the rate increases in simple terms, and he helped me find a rate that met my budget. He was kind, professional, and empathetic with my concerns. That's all I wanted.

My dog was vomiting with blood so I needed to have some xrays with resulted in the need for an ultrasound. I brought my claim forms and had the vets fax to Trupanion, with in a week I had received reimbursement for the % covered. Its a relief to know that if my pup is sick I dont' have to stress the cost of medical bills. I am very pleased with the insurance I have.

My dog was vomiting with blood so I needed to have some xrays with resulted in the need for an ultrasound. I brought my claim forms and had the vets fax to Trupanion, with in a week I had received reimbursement for the % covered. Its a relief to know that if my pup is sick I dont' have to stress the cost of medical bills. I am very pleased with the insurance I have.

One of the best decisions I could have made in taking out vet insurance for my dog. Peace of mind & a great company to work with.

One of the best decisions I could have made in taking out vet insurance for my dog. Peace of mind & a great company to work with.

With four dogs, we realized we were potentially facing HUGE vet bills if one or more got sick or was injured; it was on our minds constantly. One of our vet's clients ran up a $14,000 vet bill when her dog got sick and needed short-term kidney dialysis. That was the impetus for us to do LOTS of research into our insurance options. After narrowing it down to three companies, I called each with final questions and was sooo impressed with the pleasant and knowledgeable people at EMBRACE. Additionally, we liked the option they offered of a somewhat large deductible ($1,000 per dog), but $15,000 of yearly coverage (per dog). (After the deductible, EMBRACE pays 90% which was not available with some other companies....several topped out at 80%) The deductible and the 10% co-pay could go on a credit card if the worst happened. But, the $15,000 policy gives us incredible peace of mind and for 4 dogs, the premium was very reasonable. So far this year, 2 dogs have had "illnesses"....an ear infection and a urinary tract infection. In both cases, the vet put the claim through with the EASY to use forms EMBRACE provides and within 2 days we received an e-mail letting us know the claim was received and 2 days later, we got another e-mail confirming coverage with a link to a complete outline of the coverage amount and remaining deductible. It couldn't be easier! The coverage is exactly what was sold to us....no problems, whatsoever! Very honest and straightforward! Now we have complete confidence that if something bad happens (read expensive) to one of our dogs, we don't have to worry about doing whatever it takes to care for them! VERY glad we chose EMBRACE!

I was relieved to have Trupanion quickly review the claim and not cause any delays or play games. Much better than my own health insurance!

I was relieved to have Trupanion quickly review the claim and not cause any delays or play games. Much better than my own health insurance!

Vet hospital submitted on a Sunday, Trupanion confirmed claim with 2-3 days. My only suggestion is they do direct deposit, not actual checks. They were great!

Vet hospital submitted on a Sunday, Trupanion confirmed claim with 2-3 days. My only suggestion is they do direct deposit, not actual checks. They were great!