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I purchased my new Pomapoo Bentley from a breeder I located through NextDayPets.com. There was an advertisement and I link for a 30 day FREE trial of Trupanion pet insurance on site for when I got my new puppy. I have had a number of dogs and cats - a number of which have had MAJOR illnesses - and I had always wanted to look into pet insurance. This seemed like the perfect chance! I signed up easily over the phone, and - what do you know - within my first week of ownership, Bentley started vomitting for a full day. I rushed him to an emergency clinic at midnight, and then he was transferred to my regular vet in the morning. Luckily, it turns out that he must have just eaten something that upset his tummy, but it took a number of tests & intreveneous fluids to get us to that answer. My vets willingly filled out the claims forms & faxed them to Trupanion for me.Within the span of a week, I had gotten a notice of receipt of claim, claim processing, and claim completion!! What a pleasant suprise!! Needless to say, I have signed up to continue my coverage after the FREE trail ends!! What a wonderful value and priceless peace of mind for my new baby boy!

I purchased my new Pomapoo Bentley from a breeder I located through NextDayPets.com. There was an advertisement and I link for a 30 day FREE trial of Trupanion pet insurance on site for when I got my new puppy. I have had a number of dogs and cats - a number of which have had MAJOR illnesses - and I had always wanted to look into pet insurance. This seemed like the perfect chance! I signed up easily over the phone, and - what do you know - within my first week of ownership, Bentley started vomitting for a full day. I rushed him to an emergency clinic at midnight, and then he was transferred to my regular vet in the morning. Luckily, it turns out that he must have just eaten something that upset his tummy, but it took a number of tests & intreveneous fluids to get us to that answer. My vets willingly filled out the claims forms & faxed them to Trupanion for me.Within the span of a week, I had gotten a notice of receipt of claim, claim processing, and claim completion!! What a pleasant suprise!! Needless to say, I have signed up to continue my coverage after the FREE trail ends!! What a wonderful value and priceless peace of mind for my new baby boy!

After insuring two cats with Trupanion the past two years, only this month have we had an occasion to file claims. So far, medical bills on my 14 year old cat have amounted to over $ 4,000 in the past two weeks. I've read horror stories about OTHER insurers using all types of tricky maneuvers to avoid paying legitimate claims. I was very pleased to receive notice yesterday that ALL my claims submitted to date with Trupanion have been authorized for payment without any fuss or argument. They kept to their word and allowed all medical expenses except for a "Consulting Fee" when the oncologist conferred with the surgeon and the intial exam (which is a listed policy exclusion). If the pending diagnosis turns out to be the FINAL diagnosis (one blood test is still pending) then then treatment for my sick cat may end up getting very expensive. When I initiated my policy two years ago, Trupanion placed a $ 20,000 lifetime limit on each policy. Even though there was a minor rate increase, I am very pleased that Trupanion policies now care NO LIFETIME LIMITS. They have removed the payout limit entirely. Thank you for that Trupanion!! I don't know if it's possible to fall in love with an insurance company, but after receiving the notice that Trupanion is keeping their word and will be paying the bulk of medical expenses to keep my pet alive, I am at the least "Starry Eyed" over Trupanion. I will now be relieved of the financial burden of paying for treati

After insuring two cats with Trupanion the past two years, only this month have we had an occasion to file claims. So far, medical bills on my 14 year old cat have amounted to over $ 4,000 in the past two weeks. I've read horror stories about OTHER insurers using all types of tricky maneuvers to avoid paying legitimate claims. I was very pleased to receive notice yesterday that ALL my claims submitted to date with Trupanion have been authorized for payment without any fuss or argument. They kept to their word and allowed all medical expenses except for a "Consulting Fee" when the oncologist conferred with the surgeon and the intial exam (which is a listed policy exclusion). If the pending diagnosis turns out to be the FINAL diagnosis (one blood test is still pending) then then treatment for my sick cat may end up getting very expensive. When I initiated my policy two years ago, Trupanion placed a $ 20,000 lifetime limit on each policy. Even though there was a minor rate increase, I am very pleased that Trupanion policies now care NO LIFETIME LIMITS. They have removed the payout limit entirely. Thank you for that Trupanion!! I don't know if it's possible to fall in love with an insurance company, but after receiving the notice that Trupanion is keeping their word and will be paying the bulk of medical expenses to keep my pet alive, I am at the least "Starry Eyed" over Trupanion. I will now be relieved of the financial burden of paying for treati

I entered my claims and war reimbersed about 1/3rd of my out of pocket. Nice.

I can't believe that Tucker has to go a year from the last time he was sick with vomiting and diarrhea before you will cover another claim with the same problem. This must be buried somewhere way down in the small print. This denial pretty much makes up my mind...no insurance next year.

Having this insurance gives us peace of mind, we always dreaded the vet visit, knowing it would be hundreds of dollars. Now we don't stress about the cost, we get our little guys healthy and know we'll get our money back.

Wow am I impressed with Embrace & with Jennifer the Embracer who just got back to me on my recent Wellness claim. I've never seen such fast turnaround time on claims - it's amazing. My 2 kitties both are covered under Embrace Wellness & I&A plans; the Wellness plan has been a godsend re: my kitty-girl Pepita's special dietary-food needs. And the other claims I've filed have all been handled with impressive promptness, and by such nice and caring Embracers. I *highly* recommend Embrace Pet Insurance!

This is our first experience with pet insurance, and I must say we will never be without it again! At only two years old, our yellow lab Molly started experiencing medical problems with constant UTIs and leaking urine. After a long go-round of doctors and tests, she was diagnosed with two ectopic ureters that required surgery. We were so thankful to know we could give Molly the medical care she needs and deserves because Embrace was there to help us the whole way. The bills to identify and resolve the problem (including a week long hospital stay, due to post-surgery complications) stacked up to over $7,000. Embrace came to the rescue with nearly $5,000 in refunds! They were a pleasure to work with, and although an error was made that caused a refund to be substantially less than what should have been covered, they immediately acted on my appeal and issued the remainder of the refund. Embracers are always pleasant and helpful, and keep in contact each step of the way so you know every claim is getting the attention it needs. I've recommended Embrace to all our friends and family, and can guarantee any pet we ever have will be covered!

i have had problems from the very beginning, i was not given the rates i was quoted, the rates charged were much higher. they did not tell me that the deductible is per incident. so if you have several things that you are seeing the vet for in 1 visit, you could be charged several deductibles and not get anything back. there did not cover heartguard on my 2 pets, said they did not know the registered name of heartguard was the same product....it is a mess and i cant wait to leave as soon as possible. i have already moved 1 pet to another insurance company.