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I have unfortunately needed to file multiple accidental claims for our dog but Trupanion has covered 90% of costs minus the evaluation fee as stated on their site . I have been very happy with easy fax of forms and quick reimbursements.

I have unfortunately needed to file multiple accidental claims for our dog but Trupanion has covered 90% of costs minus the evaluation fee as stated on their site . I have been very happy with easy fax of forms and quick reimbursements.

I've had my Embrace insurance for five years and never needed it until this past month when my dog was attacked by another dog. I am so thankful I had it! The entire Embrace staff was really great to work with. True professionals.

We have had our pets covered by Embrace for several years now. We have had a couple of smaller claims a few years ago, and we were very pleased with the coverage and the quick turn-around on the claims payment. However, the real test for us was recently when our Westie needed surgery to repair a torn ACL and dislocated kneecap. We sent our itemized bills for the pre-surgery blood work, the pain meds, and x-rays, and then another bill for the surgery itself.....within two weeks we had our claims paid as outlined in the policy, no questions asked. Thank you, Embrace, for the customer-friendly service and responsiveness!

Embrace rocks so far! Unfortunatley 1 of our dog's started to have seizures and Embrace paid for all of testing and follow-up's, no questions asked... I just hope our premium's don't go up drastically because of this.. We will wait and see and post updates accordingly.. Michael

Embrace has been very efficient and reliable in processing claims submitted. They have adhered to the terms of the policy which have been clear and explained at the beginning. The claims have been easy to submit and there has been good follow through. I have been very impressed.

When we brought home our goldendoodle we immediately signed her up for coverage. I did a lot of research on the various options because we had VPI with our last dog and it was not good. I asked about the standard insurance and the wellness option. the representative said that I could add and remove the wellness option at any time. I did not submit any claims on my puppies shots or other wellness visits but I did submit the claim for her spaying. when i called to remove the wellness option after her procedure the rep said that I had to wait a fulll year. this was contradictory from the original sales person. The rep said she checked the call recordings and that the rep didn't give me that information. this is incorrect. I would not have signed up for the wellness option if I had been told this rule. I immediately cancelled this insurance because i do not prefer to do business with dishonest companies. I love my pets like family and want them to be protected by the most reputable company.

My cat recently racked up $1800 in medical expenses. My plan calls for 90% reimbursement, and they sent it to me without argument. I think I got the check less than a week after I sent in the claim.

My cat recently racked up $1800 in medical expenses. My plan calls for 90% reimbursement, and they sent it to me without argument. I think I got the check less than a week after I sent in the claim.

They called my cats fracture pre existing when it wasn't. Said they have me on tape saying he had fracture when I was inquiring about what would happen if he got hurt during waiting period. Had to pay 4k in vet bills plus waiting time. They assumed he was already hurt. Nasty customer service girl was not nice to me at all. They don't care. I'll be canceling my policy. They take your money but when it's time to pay up they state pre existing and claim you are on file saying it is. Nasty girl lied on her notes. They track phone number when you call.