Find and read reviews with confidence

Disclaimer: I am a new customer and I am writing this review in response to the first reimbursement from Embrace. I also have nothing to compare Embrace to. So, more will be revealed but so far, so good. Excellent customer service: actual people who are kind, polite, and literate keep me up to date with the progress of the claim. Now, on the downside, I expected the policy to cover annual checkups. This is something that Embrace should provide: prevention, after all, is in their best interest. If they covered preventive care (i.e., annual checkups) I would give them a 10.

Our 3 year old English Bulldog had a luxating patella in her left rear leg. It took a couple of vet appointments for it to be correctly diagnosed as we first thought it was an ACL injury. Knowing we had Embrace Pet Insurance was a relief as we had a labrador mix that need to have an ACL surgically repaired about 5 years ago. We didn't have insurance for her and had to absurd the whole cost of the surgery. Not this time! We were able to schedule Lexie's surgery right away for the day after she was diagnosed. The quicker a luxating patella is corrected the better chance they'll have for a full recovery without ongoing issues. Lexie is doing great now. She still has a way to go to rehabilitate her knee but she is ahead of schedule. She has about 3 more months of recovery time to call the surgery a complete success. We would not have been able to afford the cost of the surgery without Embrace Pet Insurance. Lexie's half-sister belongs to my mother-in-law. Knowing that this may have been a genetic issue we talked my mother-in-law into purchasing a new policy for her half-sister as she had let the coverage lapse. Lexie's half sister is now covered by Embrace and passed her orthopedic exam with flying colors. We are fortunate enough to have thought ahead and purchased our policy after our original AKC plan was set to renew at about 10 times the original cost. The Embrace cost has gone up a little each year but nothing like how our old AKC plan was set to increase.

Like most pet owners, my pet's needs are very important to me. She is a member of my family and when I found out my cat Annie had mammary carcinoma,I was devasstated. I had no idea this could even happen to a cat. I immediately thought this meant my time with Annie was cut short, but because I had Embrace Pet Insurance, that wasn't the case. Luckily I had decided to secure pet insurance several years before based on the great advice from my mom, because my policy helped out a great deal with the costs. It made the option of treatment possible. On top of the financial benefit during this situation and the financial advantage after every pet visit, the employees at Embrace truly care. If you respond to a cliam email, an actual person responds! Can you believe that??? I have also gotten the sense that these employees are also pet owners as well, which is comforting when dealing with a difficult situation concerning your pet. I am tahnkful everyday that I got Embrace pet insurance for Annie and continue to be very satisfied with their service. So, if you have a pet, there should be no cinsideration necessary....get pet insurance. It is a no brainer. Annie is now cancer free and has so many more years ahead of her.

Beware. Our dog has food allergies, which I could easily have avoided finding out about OR paying extra money to test. Anything wrong with my dog is now denied because of his "pre-existing" allergy condition. I could have chosen to be like 90% of pet owners and just ignored it, but I want my pup as healthy as possible. Therefore, I spent lots of money to get to the bottom of it and now I am penalized by Trupanion for every claim going forward. I pay over $300 a month on special grain free kibble from New Zealand. I am betting if he has an accident they will say that it because of his food allergies. Bottom line, they are going to try and do everything possible to get out of paying your claim.

Beware. Our dog has food allergies, which I could easily have avoided finding out about OR paying extra money to test. Anything wrong with my dog is now denied because of his "pre-existing" allergy condition. I could have chosen to be like 90% of pet owners and just ignored it, but I want my pup as healthy as possible. Therefore, I spent lots of money to get to the bottom of it and now I am penalized by Trupanion for every claim going forward. I pay over $300 a month on special grain free kibble from New Zealand. I am betting if he has an accident they will say that it because of his food allergies. Bottom line, they are going to try and do everything possible to get out of paying your claim.

Just purchased Embrace for a new to us rescue dog. Confused and unhappy from the get go. I should have taken the inability to enter my proper address as a sign. I had to use a city/zip code 45 miles away. So far nothing has been easy, or straight forward. No we don't need anything from you, yes we need complete records. Claim has been paid, claim is being denied. Which one is it. Much happier with our previous pet insurance provider we have for our other dogs. Just may switch this pup to it as well. They seem to do everything they can to make paying a claim difficult from confusing/contradicting emails to contacting my vet directly for information I had already provided. Also pay as much as they can under the wellness benefit claiming it is to maximize 100% reimbursement, in reality this only brings you to your annual wellness limit with claims that should be under illnesses. Very unhappy!

Embrace has been excellent in their coverage for my Cairn Isadora. She has some odd symptoms, slow heart rate and collapsing episodes, but no clear cause yet. Embrace has been wonderful paying for the tests that have been done to try to figure out what is wrong with her. Thank you!

When my Greyhound stole a corn cob and swallowed it whole we did think much of it. It's food, right? But, when she began vomiting a few times a day, every day I called the veterinarian. He said she should come in for a x-ray. There it was- clearly a corn cob sitting in her stomach, unable to be broken down. The vet said she was lucky it hadn't moved to her intestines! The vet was great. Removed the cob. Stitches were tight and clean. Hazel, our greyhound, healed beautifully with no complications. She never even licked at her stitches. I cannot be happier with Embrace. I paid the bill on a credit card, and was reimbursed before the bill even came due. The total bill was about $1,500. With remaining deductible and copay subtracted, I was reimbursed about $1,000 of that cost. Honestly, my husband and I discussed canceling our pet insurance shortly before this incident as we have three dogs and the total monthly cost seems high. Up to then we hadn't benefited from having the insurance. We decided not to cancel, and boy are we glad now. The next time the dogs veterinary care, I want to be sure I have pet insurance! I love my dogs, and having insurance helps make difficult decisions in their care easier.

Trupanion is an extremely reliable and pleasant pet insurance company. I started a policy for my dog on a "just in case" basis. I was thinking of insurance for a broken bone or something accidental. It turned out that my dog developed a lifelong pancreatic condition that needed a medication for the rest of his life. I was worried that the insurance might not cover that but was grateful to find out that Trupanion would cover the medication for the rest of his life. I have great appreciation for Trupanion. I'm not sure if I would have been able to afford the medication on my own.

Trupanion is an extremely reliable and pleasant pet insurance company. I started a policy for my dog on a "just in case" basis. I was thinking of insurance for a broken bone or something accidental. It turned out that my dog developed a lifelong pancreatic condition that needed a medication for the rest of his life. I was worried that the insurance might not cover that but was grateful to find out that Trupanion would cover the medication for the rest of his life. I have great appreciation for Trupanion. I'm not sure if I would have been able to afford the medication on my own.