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We enrolled our beagle, Jed, in Embrace about 2 years ago after he had already had some minor health issues and we realized that we simply could not afford to pay for any major issues that might arise over time. At the time we debated whether or not the premiums were cost effective.There is no more debate any longer! Jed recently became very sick and required gall bladder surgery. The decision to go ahead with live-saving care rested on the hope that Embrace would actually cover 80% of the cost after the $1000 deductible was met as advertised in the plan we chose. Over the course of 8 days we spent over $8,000 in veterinary care. Embrace reimbursed almost $6,000. Our vet told us afterward that most dogs he has seen who were as sick as Jed usually die. Jed was lethargic, jaundiced, and unable to keep down food or water prior to his surgery. Post surgery care required another 5 days in the pet hospital before he was ready to come home. Three weeks later, Jed is back to his usual happy, energetic beagle self. Embrace pet insurance was the best decision we made.

Stay away. You'd be better off putting money in a mayonnaise jar in the backyard every month. At least you'd have a way to pay the vet bills.We had been customers for several years and never made a claim. When we really needed it, their deceptive and sleazy renewal policy did not pay. Our dog developed glaucoma in one eye. The eye needed to be removed because of the severity. Our regular vet referred us to a specialist. The vet suspected valley fever had attacked the eye and wanted to run tests to make sure our dog was healthy enough for the surgery. This meant a two week delay between diagnosis and surgery. Those two weeks took us into a new month and therefore a new policy. ASPCA refused to cover the surgery because the illness manifested before the new policy. They do not consider your payment as a continuation of the policy, but a new policy. It's like you have purchased the policy for the first time. You can buy extra "bridge" coverage for the policy to be treated as a continuation. This of course is not stated up front. Every insurance agent I have talked to about this has been horrified that this insurance operates like this.

My baby had a moment of naughtiness that sent him to the vet...he untucked my comforter and proceeded to chew on the thread that held it together. He ate quite a bit and then had some that was hanging from his mouth...all the way from his stomach! My vet fixed him up within a few days and I was so happy to learn his insurance would cover this...I get picked on all the time because he has insurance, just as a person would, but I had the last laugh when I was able to take him to the vet, get him the care he needed, and be able to afford the payment. Thank you Trupanion!!

My baby had a moment of naughtiness that sent him to the vet...he untucked my comforter and proceeded to chew on the thread that held it together. He ate quite a bit and then had some that was hanging from his mouth...all the way from his stomach! My vet fixed him up within a few days and I was so happy to learn his insurance would cover this...I get picked on all the time because he has insurance, just as a person would, but I had the last laugh when I was able to take him to the vet, get him the care he needed, and be able to afford the payment. Thank you Trupanion!!

Appreciated the detailed breakdown of cost and reimbursement - well laid out and easy to understand. The turn around time of my reimbursement was reasonable. It's disappointing that I am expected to pay the vet up front first, especially for large amounts. My dog needs to go for surgery. It will cost over $3000 - funds which will take me many months to save. If Trupanion could pay my insurance portion to my vet directly, I would be able to get him into surgery now. Since they won't do that, it will be another 4 months before I can afford the surgery. I feel this defeats the purpose of getting insurance.

Appreciated the detailed breakdown of cost and reimbursement - well laid out and easy to understand. The turn around time of my reimbursement was reasonable. It's disappointing that I am expected to pay the vet up front first, especially for large amounts. My dog needs to go for surgery. It will cost over $3000 - funds which will take me many months to save. If Trupanion could pay my insurance portion to my vet directly, I would be able to get him into surgery now. Since they won't do that, it will be another 4 months before I can afford the surgery. I feel this defeats the purpose of getting insurance.

I began insurance coverage with Trupanion for my cat Sam in September of 2013. He was healthy at that time. Early in 2014 Sam became ill after a routine dental procedure. I was willing to pay whatever I needed to in order to help Sam, and whether or not I had had insurance would have made no difference to me (although certainly, not having insurance would have made things tight for me, budget-wise). Thankfully, after days of tests and treatments in the emergency hospital, Sam was on the road to recovery. I submitted several claims to Trupanion and they were prompt in their response, paying 90% of Sam's medical bills. I am VERY thankful for this company, and appreciate their efficiency and integrity. If only human insurers would take note and do the same!

I began insurance coverage with Trupanion for my cat Sam in September of 2013. He was healthy at that time. Early in 2014 Sam became ill after a routine dental procedure. I was willing to pay whatever I needed to in order to help Sam, and whether or not I had had insurance would have made no difference to me (although certainly, not having insurance would have made things tight for me, budget-wise). Thankfully, after days of tests and treatments in the emergency hospital, Sam was on the road to recovery. I submitted several claims to Trupanion and they were prompt in their response, paying 90% of Sam's medical bills. I am VERY thankful for this company, and appreciate their efficiency and integrity. If only human insurers would take note and do the same!

Setup was easy and fast.Filed a claim in the first month. No debate on payment and recieved my check quickly. Always nice and cheery on phone.

Setup was easy and fast.Filed a claim in the first month. No debate on payment and recieved my check quickly. Always nice and cheery on phone.