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We lucked into Trupanion because they offers a free month wHen we took our new pup for her first checkup. Fortunately we never cancelled. Our pup had giardiasis, a broken leg and some weird and frightening "episodes" which, after many vet , ER,specialists and an MRI, was diagnosed as a kind of seizure. Imagine the cost. Easy forms to fill out. very prompt acknowledgement of their receipt. Very prompt and clear explanation of costs,deductible and payments due followed by a check. We are more than satisfied, we are grateful to have this coverage.

I have found Trupanion to be prompt, fair, helpful, patient and respectful. I am enthusiastically recomending it to relatives and friends, especially those with young, healthy pets.

I have found Trupanion to be prompt, fair, helpful, patient and respectful. I am enthusiastically recomending it to relatives and friends, especially those with young, healthy pets.

It's really a great comfort to know that whenever a pet is perceived as having any health related issue that there is no longer a reason to feel stressed about whether or not to take the pet to the vet to get checked out. This is my 2nd year with Embrace and I wish I had known about them many years ago.

Very Happy with the responsiveness, quick review of the claim and expedient payout.

Very Happy with the responsiveness, quick review of the claim and expedient payout.

Vet recommended 2 procedures,the 3rd one was required (spay)by trupanion for future coverage in case of future tumors,this is my bill:Condition: Extract retained deciduous teeth, OVH, dewclaw surgery removal. financial Summary: Total Claim Request $852.92 Eligible Costs$304.55 Deductible Applied-$100.00 Total Claim Paid (90% coverage)$184.09. It's better than nothing but not as good as they "Advertise". One more refund like this and i'm giving Petplan a call.

Vet recommended 2 procedures,the 3rd one was required (spay)by trupanion for future coverage in case of future tumors,this is my bill:Condition: Extract retained deciduous teeth, OVH, dewclaw surgery removal. financial Summary: Total Claim Request $852.92 Eligible Costs$304.55 Deductible Applied-$100.00 Total Claim Paid (90% coverage)$184.09. It's better than nothing but not as good as they "Advertise". One more refund like this and i'm giving Petplan a call.

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.