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My eight year-old English Toy Spaniel was diagnosed with a luxating patella that needed immediate surgery. Postponing surgery would have meant that he would have torn an ACL and been in more pain. Trupanion quickly reviewed the diagnosis and pre-authorizations from the veterinarian, and provided coverage for his condition. Without Trupanion's coverge, Muggy's (my Spaniel)quality of life would have gone downhill fast, and he would have been on constant pain medicines to control pain rather than fix his little knee. I am so grateful and so glad that Trupanion cares about their patients and their owners. They are prompt, professional, and try very hard to cover the medical conditions affecting their furry clients. I wish my human insurance was as good!

My Vet office submitted the claim during the procedure and the insurance responded within minutes with their coverage amount, by the time I picked up our pup from the clinic I had my final bill. Only paid 10% off the total bill to have a mass removed and tested! Great service and coverage.Life Saving!

My Vet office submitted the claim during the procedure and the insurance responded within minutes with their coverage amount, by the time I picked up our pup from the clinic I had my final bill. Only paid 10% off the total bill to have a mass removed and tested! Great service and coverage.Life Saving!

I signed up for a free 30 day trial offer, and I am so glad I did! My puppy became ill a week later. The customer service and claim reimbursement process have been wonderful. My puppy is part Jack Russell, and no matter how much I puppy-proof, she can still get into trouble. The claims I have received have been equivalent to almost 2 years worth of premiums. #worthit. #peaceofmind

I signed up for a free 30 day trial offer, and I am so glad I did! My puppy became ill a week later. The customer service and claim reimbursement process have been wonderful. My puppy is part Jack Russell, and no matter how much I puppy-proof, she can still get into trouble. The claims I have received have been equivalent to almost 2 years worth of premiums. #worthit. #peaceofmind

Very thorough review of case. They had to get a year's worth of medical records with another vet in the affiliated group. Their request took over 30 days to be responded to delaying informing me. Once I asked what I could do to help was able to close the lop.

As soon as I adopted my Georgie from the shelter, I added her immediately onto my insurance policy with Embrace that insured my other dog, Lucy. In the very early morning of 2/15/15 (a Sunday), Georgie yelped out in pain as she jumped off the couch. I knew something was wrong and when I checked her, I noticed her stomach was bloated and painful. I immediately got dressed and rushed her to the emergency vet hospital. They took her back and said she had sludge in her gall bladder and needed surgery. I told them to do whatever they needed to do. About 2 hours later they called me to tell me that when they did the ultrasound on her, they saw that she was bleeding internally because her spleen had ruptured and there was a tumor on the spleen which they thought was hemangiosarcoma - a deadly cancer. They said if it was hemangiosarcoma (which 70% of the time it is), she would have at most 6 months to live. Without the surgery, she would die in a day or so. I told them to do the surgery. They told me most people put their dogs to sleep when they hear the possible diagnosis. I'm not most people. My dogs are my family. She pulled through the surgery and they removed her spleen, the tumor and her gall bladder. I was devistated at the thought of her dying in such a short time but we wouldn't have the biopsy results back for a week. She was released the next day with staples running almost the entire length of her stomach but she was eating and drinking and recovering well. That Friday night, I got a call from the vet's office to let me know that they had biopsied the spleen, tumor and gall bladder and there was NO cancer in ANY of them!! She beat the odds!! The surgery was $4,500 but it was easy to make the decision to do the surgery knowing that Embrace would cover it. On 2/25/15, I had my reimbursement from Embrace in my checking account!! That's faster than my own personal health insurance!! I have seen posts on facebook in the past week from 2 other dog owners about the same symptoms/disease/cost and they put their dogs to sleep because of it. I'm glad that I decided to go with the surgery and play the odds because now I hope to have my Georgie for MANY years to come!! Thanks Embrace for being there and handling things so promptly!!

My pet had 2 claims during trial period and both were addressed promptly and accurately. Excellent service. Reimbursement was exactly as described.

My pet had 2 claims during trial period and both were addressed promptly and accurately. Excellent service. Reimbursement was exactly as described.

The sense of safety when dealing with vets and emergency services is priceless. I know that a whole lot of the costs are covered.