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Trupanion was represented to me as among the best for if I was ever in the need. Their price (I pay $50/mo for $150 deductible) was also among the highest. You get what you paid for right? A lot of people with serious conditions have been helped out greatly. Well they still may be very good- I don't really know. But after about 4 years of this almost double priced insurance, and no vet bills covered, I had a real need for help with my dog's lipoma and other worrisome growths surgery. Here's the kicker that got me: They considered their deductible "per condition" and not per year or per incident like you're used to with your auto insurance. After considering almost every incision in my dog a separate condition, they got me for the deductible times three! After the deductible was multiplied so many times, the payout was almost not worth driving to the bank. In their defense they said that a long term condition like diabetes would cost more in per year deductible than per condition- which is great news or whatever. I don't feed my dog supermarket corn and sugar so we're not really risking diet diseases. They were nice enough on the phone, but like many businesses are becoming nowadays, they had nobody who could help at all; no flexibility whatsoever to keep me as a customer. They charged the deductible enough times to negate the payout almost completely. The appeals process put the onus on me to convince my vet to write letters (for a failing cause). I'm sorry but I'm busy working to make the money to put in their pockets! I don't have time to go jump through hoops, especially on something that literally is their line of business, not mine. They could just go to my vet for the info they needed, because alas they are the ones who know what they need to know, not me. So it was a double whammy for me today... What else will they do? That's what I'm wondering! It's a pain that for such an expensive plan, I have to go through the contract again to find where they want to screw me. Usually paying more means less tricks to catch in the fine print. What a waste of $600/yr so far... Basically if nothing giant happens, Trupanion uses the multiple deductible trick to neutralize payouts. Not saying another company is better, just watch out and don't trust Trupanion's sales team- Read the fine print very carefully- it's where they make their money!

My puppy has gotten into her share of trouble in her first year and has convinced my other dog to join in her shenanigans. Embrace understands that "dogs will be dogs" and have been great in reimbursing the results of her bad ideas. They are very straight forward about what they cover at what percentage and in a VERY fast timeline. I love this company!

I got this insurance after reading good reviews in 2012. I had only one claim for less than $100 in all that time. The rates kept jumping up, and the congenital things were being called pre-existing. So I called to cancel after the last rate hike and finding out the deductible was for each thing. I thought I was talking to a high pressure telemarketer. She then said she'd send me an email, and I had to fill something out and return it to cancel. The email didn't come that day, and I forgot about it, assuming she cancelled it like I said to. Then I found out that I was still being billed for it. So I went through emails until I found it, and there was nothing to fill out! So I sent it back, saying to cancel it and give me back my money. After a month, I just got a phone message and ANOTHER email with all the high pressure talk and more talk they want me to do to cancel. This is a scam!! The high rates and what they won't cover, no one needs this. Put money into a sock drawer and save yourself the hassle!

surgery to repair cranial cruciate ligament tear in left rear leg

surgery to repair cranial cruciate ligament tear in left rear leg

I received my final check from Embrace the other day from a group of claims for my Bedlington's visit to the Emergency clinic in May for Pancreatitis. I filed at least 6 separate claims and was so pleased that Embrace paid so much. I had people tell me not to expect them to pay. Well I feel my premium was well worth it. I recommend Embrace to my friends all of the time.

From the application process to submitting Sadie's paperwork it has been seamless. THANK you

I don't know what I would do without pet insurance and you guys are so helpful thank you!

I have been using Embrace for my two dogs since 2013. I have been very satisfied with the personnel staff, the prompt review of claims and the company's ability to work with me to cover vet expenses. I also like the ease of their paperwork, which comes as pdfs and coded individually for each pet. When I need to speak with someone directly, their staff is very knowledgeable and patient.Embrace's Wellness program and Healthy Pet deductible is a great perk.

Our one year old dog, Georgia, was diagnosed with patellar luxation. The condition turned out to not be acute but chronic. She required surgery after things quickly progressed to dislocating several times per day despite rest and meds. Embrace gave us no grief whatsoever. The response to the claims was very quick and they paid what they said they would. We are so happy as this covered $2000 of treatment