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We purchased our policy with Trupanion within the first year of owning our pet...a Maltipoo She was recently was diagnosed with a condition effecting both knees known as 'Luxating Patella'. We were shocked to learn that the surgery would run over $3,000. We called Trupanion and after a thorough review of our Veterinary Pet History, they pre-approved the claims. The surgery turned out to be $3,146 and Trupanion paid 90% of this cost!! We were very pleased with their professionalism and service. No bait and switch that you hear about with so many other companies. No debate. Their policy is well written and easy to understand. I highly recommend trupanion if you pet does not have any pre-existing conditions. For a new pet under 12 months..it's a no brainer...just do it!

I bought this insurance years ago. I wanted to try out the idea of pet insurance since someone suggested it. They went with ASPCA so I decided to go with it too. I soon found out that their customer service was horrible. I called on the phone waiting to get a rep on the line and I'd wait a LONG time on the phone before someone would finally get to it. I believe it was more than 15 minutes and even longer on the second trial. This happened twice so I decided I'd better not go with this insurance company and decided to cancel it having it less than 1 month. They did not refund me my amount they took. They billed me for the whole month even though I had the insurance less than 1 month. I talked to them and they said this was the way it worked. Point being was I felt like this company was greedy and didn't think the about customers and their pets.

Documents needed for visit very easy to download. Very easy to fill out. Not drowning in paperwork is much appreciated. The vet hospital faxed in the claim, and about 10 days later, got an email saying, the check is on the way. Pretty simple. On a 178.00 bill, I am reimbursed 63.00, and no other song and dance required. I'm a fan of this insurer because they paid out exactly the way they said they would. To the letter.

We were with another pet insurer and switched to ASPCA because they had a better payout and coverage. Our dogs are 9 and 12 and signed up for illness and injury only. I have had good customer service and quick response on being reimbursed.

I am so glad I found PetshealthCare on line. We owned two Yorkies before our present pets. Through the years with them, we experienced a few expensive trips to the vet. At three years old, one of them had a brain anurysum (Sp.??) both were spayed , one knee surgery and numerous tumors removed. When we finally had to put them down at 15 and 18 yrs. of age, we signed up for Pets Health Care to help with our new little girls.I feel much more comfortable knowing we are covered.

We have Embrace Pet Insurance for 5 out of our 6 animals (other cat is too old). At first I was a bit discouraged by all the detailed history I had to ask my vet to print out & fax to Embrace (2 yrs worth for each animal). But I am glad to say it is only a one time process so they can establish each pets medical history. After filing my first few claims, that minor annoyance was long forgotten when we got refunds totalling $659.23!! The wellness rewards is probably the greatest benefit. There is no waiting period & it covers $200 per animal per year for all the little things that add up. We spent a total of $1124.90 on 4 dogs, in a span of 2 weeks (vaccines, heartworm prevention, blood work, spay/neutering). Let me reiterate...We are getting back $659.23!!!!! There was no hassel. They received my claim via fax & the next day I received an email telling me to expect my checks! It was like Christmas! I highly recommend Embrace for all pet owners! If you love your pets as much as I do, you undoubtedly spend alot of money at the vet. Finally, pet owners are being rewarded for being responsible!

When we decided to invest in a kennel club pedigree golden retriever we also decided that we had to protect our investment. We reviewed a number of medical insurance companies on line but it was confusing. Our vet had Embrace brochures available in the waiting room. Coverage levels were simply explained leaving us to make the decision which level we wanted. My calls to Embrace have always been courteous and helpful. Although paper work is just like human medical claims we have not had the delays human claims have. But so far we have not had a major medical claim only a Wellness claim - and that coverage should be a no brainer for any owner of a loved pet.

I feel we've wasted our money over the past 8 months with PetHealth Insurance. Our claims for 1 dog and 2 cats were over $700 in 4 month time and only received $89 back. One of our cats developed kidney problem and has to be on prescription cat food. They only cover 25% for 6mos...DUH, our cat has to eat this special food for life, not just 6mos. We plan to cancel today and put that monthly payment in separate acct and use it when needed. I recommend everyone does the same!

Embrace has been very responsive to the claims filed. I would recommend it.

my pet had eye problem,burns,and a bowel problem. these illnesses were paid within a reasonaable time ata good rate which included some of the medications. i have been more than satisfied with the insurance. i consider the insurance very superior.