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Look, no one wants to buy insurance. I know. I sell it. But when you need it, when that emergency arises, you're darn glad you spent the money. It doesn't need to be expensive either and with Embrace, it's cost effective and I feel safe knowing my 140# puppy will be well-taken care of if the need arises. If she never gets sick or involved in an accident, I feel like I can count on Embrace. I'm happy I signed up nearly two years ago.

Embrace handles my claims efficiently and compassionately without having to go over and over the grizzly details of what happened to my mini-man. They have a wonderful relationship with The Gene Poole Cat Clinic and communicate clearly and concisely what pertinent information that is required. I so appreciate their professionalism on both ends. The bottom line is, the love of my life, is re-cooperating nicely, and I couldn't have done it without the help of Embrace Pet Insurance. This is my second claim, and they've always reimbursed me within weeks of the incident. I give them a 10!!!

Our dog suddenly started having seizures in the middle of the night and we had to rush him to the ER. We hadn't really thought about our insurance, but just knew that we paid the monthly premium. After an overnight at the ER and $1500 later we still had no answers, but our dog was referred to a neurologist. We then proceeded with a specialist appt, follow-up to our vet, an MRI, a spinal tap, blood tests + 2 more overnight trips to the ER and medications meant for epileptic patients, all within a month. Luckily, we are closer to a diagnosis and are now treating him as an epileptic. Without our insurance we would not have been able to afford all of these tests and would be moreso in the dark. I have spoken with Trupanion on the phone several times and they have always been friendly and helpful. We were able to send in the claim forms right away and received payment very quickly. For example, I faxed in one form on a Friday afternoon and received a cheque on Wednesday of the next week. And the best part - no limits per claim! My ONLY complaint is that I wish that part of the exam fees were covered as they tend to add up after awhile!

Our dog suddenly started having seizures in the middle of the night and we had to rush him to the ER. We hadn't really thought about our insurance, but just knew that we paid the monthly premium. After an overnight at the ER and $1500 later we still had no answers, but our dog was referred to a neurologist. We then proceeded with a specialist appt, follow-up to our vet, an MRI, a spinal tap, blood tests + 2 more overnight trips to the ER and medications meant for epileptic patients, all within a month. Luckily, we are closer to a diagnosis and are now treating him as an epileptic. Without our insurance we would not have been able to afford all of these tests and would be moreso in the dark. I have spoken with Trupanion on the phone several times and they have always been friendly and helpful. We were able to send in the claim forms right away and received payment very quickly. For example, I faxed in one form on a Friday afternoon and received a cheque on Wednesday of the next week. And the best part - no limits per claim! My ONLY complaint is that I wish that part of the exam fees were covered as they tend to add up after awhile!

My dog had eaten a lot of macadamia nuts and could not keep anything down. I took him to the vet on Wednesday and they wanted to monitor him overnight with IVs. I picked him up late on Thursday. At that time I gave the vet my claim form for them to fax to Healthy Paws with the medical records. By Friday afternoon, I already had received the Explanation of Benefits from Health Paws and I received the check on Tuesday. It probably would have been there on Monday but it was a holiday so no mail delivery. I cannot believe how fast the reimbursement process was - check in hand within 5 days of leaving the vet's office.

They are always available for questions, review claims right away, make payments in a timely manner, cover what they agreed to cover

They are always available for questions, review claims right away, make payments in a timely manner, cover what they agreed to cover

Over all, I'm pleased with the coverage.

My french bulldog has been insured with Embrace for the past two and a half years (given their many potential health problems I got her in early) and I cannot say enough good things about their coverage. She has been relatively healthy but has managed to have kennel cough, mange and various other "normal" dog conditions which could have caused financial strain without the coverage. Even better though then the coverage is the customer service -- they are amazing about keeping me in the loop when a claim is being processed, asking questions if there are any potential issues and generally being a joy to work with. If you are thinking of insuring your pet I can't recommend Embrace enough.

My newly adopted rescue puppy has had every claim denied and Healthy Paws says it's due to his pre-existing conditions. He had a bit of a cough at his first wellness exam and Healthy Paws has taken the opportunity to lump everything, including a bout of diarrhea, into one diagnosis and not pay. When I asked for more detail on the Explanation of Benefits they were rude and short with me. Barely anything went towards the total deductible. This insurance would be fine if all you need is catastrophic coverage. But there is no wellness coverage. Read carefully before you sign up.