Find and read reviews with confidence

After having Embrace for about 7 months, I noticed my 4 year old chocolate lab was beginning to limp. She ended up needing a TPLO knee surgery for a torn cruciate ligament. It cost $3000! Thankfully Embrace reimbursed us around $2, 650! The customer service is great and I always receive my claim checks within 7-10 days.

I would ask that you be very careful before signing up. Their promise of not increasing premiums annually is bogus. My dogs' premium increased 52%. They do not do what they say they are going to do. My dog was enrolled at 8 weeks as a perfectly healthy pet. She was then spayed at an appropriate age. Shortly after that she began having urinary tract infections, Trupanion has denied EVERY claim as "symptoms" do not match "diagnosis". We have filed 4 claims - each denied for the same reason.

I have been greatful I have ASPCA Pet Insurance. My Brittany became very sick over the July 4th Holidays and I took him to two animal hospital that weekend fearing for his life. Not once did I worry about the monry for his care I just did what ever I need to do to insure that he got his needed care. I knew in the back of my mind that after I met the deductable that 80% of his bill would be covered, which it was. Thank you for saving Lucky's life.

I purchased the insurance for my 2 adopted kittens 3 years ago because I've had pets in the past that had their share of troubles and always had to foot the entire vet bill which was financially difficult. Recently one of my cats had a rather strange problem in that he ate a plastic grocery bag and it, of course, resulted in an intestinal blockage. It also happened over a holiday which required a stay at an emergency vet clinic. Having the ASPCA insurance gave me peace of mind that I could get him the care he needed to recover. I didn't get 100% back, but it certainly was worth the monthly premiums. My claim was handled quickly, and the reimbursement explanation was thorough and easy to understand. Thanks, ASPCA!

Trupanion helped save my little Shih Tzu's life. My total bill was over 3,000 and 90% of this was paid within 2 weeks. I didn't have to make life or death decisions based on financial concerns.

Trupanion helped save my little Shih Tzu's life. My total bill was over 3,000 and 90% of this was paid within 2 weeks. I didn't have to make life or death decisions based on financial concerns.

I called in to cancel my coverage and the agent was kind enough to point out that I had not yet even used my wellness credit. I put together a group of receipts and lo and behold, my dog needed to be seen for back pain! I'm so glad I have the coverage and will definately be a customer for years to come. Thanks, Embrace!

My husband and I have been so impressed with the communication, quick claim review and disbursement of the funds. We have had such bad experiences with our personal health insurance that it is such a relief and an unexpected surprise to see how smoothly this process has gone. Is there any way you can work with people insurance carriers to show them how to do this ;-)?

I filed a claim and it's been over a month and no reimbursement. I called before taking my dog to the vet and confirmed everything was covered under my policy... and still is. Everytime I call them they say they are pending the vet's report but they never actually contact my vet to request it (i confirmed if they had the right phone number and everything). One week later I call again, and they say the same thing... two weeks later I called and they say the same thing. I don't want to be mean or anything but how hard is it to call a vet, get the info and match against the policy and cut a check? is that a 2 months + task? I can't see how this can be. =( I will definitely find another pet insurance after this claim.

In my years as a pet lover and owner I have just seen so many situations that could have been so much more stressful had the costs been more of a factor of care. Snakebite has cost friends over $2000. My basenji/ border collie mix had so many health issues during her lifetime including bone cancer. Unexpected illness or injury are just less stressful having insurance to help the costs!