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I wish there were a health insurance policy for people as good as this one is for pets. No unintelligible explanations of the payments -- just a straight percentage of what the vet bills. No drowning in paperwork -- just one easy page and the vet's invoice. No fighting for fair treatment. No long waits. And follow-ups -- Embrace actually seems to care about how well they're doing. I recommend Embrace to every pet lover.

With three Golden Retrievers, wellness pet insurance is a must. Embrace Wellness Reward Claims were processed very quickly and the checks arrived almost immediately. In addition, follow-ups by email throughout the claim process were a very nice touch. Clearly the goal of the company is a long term and helpful relationship. Thanks!

Wow! What a great company and what a change from the insurance we had before. We have 3 Afghan Hounds currently and have had 9 of them over the years, so we are used to the expense of owning dogs. But over the last 2 years we have had a lot of very expensive medical bills for our 2 older dogs including the removal of a 7 pound tumor; pneumonia and Pancreatitis. it was during this time that we found that our insurance coverage with VPI, which we had for years, wasn't worth a darn. They covered very little of the expense and were not very nice to deal with at all. We got an Afghan puppy last May and signed him up with VPI as we had done for all of our other dogs. But when our oldest dog got pneumonia and VPI covered very little of it ( no coverage for Oxygen...are you kidding me! ) we decided to look for a better company for the puppy. We decided on Trupanion and mistakenly waited until the one year contract with VPI was up before signing up with them. We have since then learned that we could have signed with Trupanion right away and they would have covered whatever VPI did not. So we started showing the puppy as soon as he turned 6 months and he has been doing great but after the show in Long Beach a few weeks ago he started choking and we took him to a Vet only to find that he has a very rare condition called Chylothorax which is very serious and in fact usually fatal if not treated immediately. In his case about 1 1/2 liters of Chyle got into his chest cavity causing o

Wow! What a great company and what a change from the insurance we had before. We have 3 Afghan Hounds currently and have had 9 of them over the years, so we are used to the expense of owning dogs. But over the last 2 years we have had a lot of very expensive medical bills for our 2 older dogs including the removal of a 7 pound tumor; pneumonia and Pancreatitis. it was during this time that we found that our insurance coverage with VPI, which we had for years, wasn't worth a darn. They covered very little of the expense and were not very nice to deal with at all. We got an Afghan puppy last May and signed him up with VPI as we had done for all of our other dogs. But when our oldest dog got pneumonia and VPI covered very little of it ( no coverage for Oxygen...are you kidding me! ) we decided to look for a better company for the puppy. We decided on Trupanion and mistakenly waited until the one year contract with VPI was up before signing up with them. We have since then learned that we could have signed with Trupanion right away and they would have covered whatever VPI did not. So we started showing the puppy as soon as he turned 6 months and he has been doing great but after the show in Long Beach a few weeks ago he started choking and we took him to a Vet only to find that he has a very rare condition called Chylothorax which is very serious and in fact usually fatal if not treated immediately. In his case about 1 1/2 liters of Chyle got into his chest cavity causing o

Embrace tried to tell me that I did not have a valid claim on my dog going to the vet for an upset stomach. They said because my dog had notes of vomiting on prior vet records, that "vomiting" was a "pre-existing condition" and thus, could not be covered for a period of 12 months!!! First of all, vomiting is a SYMPTOM, not a CONDITION. And my dog, as per all my vet documents, was never diagnosed with a "pre-existing condition" of any kind!!!! THIS IS HIGHWAY ROBBERY - TOTAL BS! I will tell every pet owner NEVER to get Embrace!!! I told my vet about their response to my claim for a $63 vet bill for his upset stomach, and my vet pulled all of the brochures from his office. HORRIBLE, AWFUL, DISGRACEFUL.

Claims are easy to file and are quickly handled. Payment is very fast. My questions were answered right away. I would recommend Embrace to anyone.

My dog was only 4 months old. He fell off the porch and had a strangulation injury. He had to spend several days in the ICU. It was a stressful time. He was fine in the end. It was nice to know that most of the bill would be taken care of. There was no problem with reimbursment. The process was quick and smooth

My dog was only 4 months old. He fell off the porch and had a strangulation injury. He had to spend several days in the ICU. It was a stressful time. He was fine in the end. It was nice to know that most of the bill would be taken care of. There was no problem with reimbursment. The process was quick and smooth

I don't have a good experience with this company. Bad customer service, deceiving ad and claiming even a small amount takes forever. 2 Thumbs Down!

I am quite please with their follow up and claims processing. I do have a question as to how the deductible is applied but I have not yet contacted Trupanion about this. Also do not know why cost of follow-up office visits to vet for covered condition seem to deducted from reimbursements.