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We haven't had a dog for at least 20 years. Last August our yellow lab'Annie' was given to us by Guide Dogs. She didn't make the cut as a guide dog. We had no idea how expensive visits to the vet can be. After the first $1000 vet bill we got ASPCA insurance. Then we found a lump on Annie's back which turned out to be harmless, but the bill for removing the lump was over $800. We filed a claim and ASPCA sent us a check for $438. I have no complaints about ASPCA. They were prompt and courteous and friendly on the phone.

I subscribed to Trupanion a year ago and after the first claim that was approved, all of a sudden I received a notice that my rate is being increased 40%. Their website specifically states that they do not penalize their clients as a result of claims but that this is an increase due to increase in pet care costs for my area. I checked with 3 local vets and they all stated that if they have increased their rates, it has never been more than 3%.

I am the proud mom of an 8 month yorkie. Having never been a dog owner I had no idea of the many health issues a dog could experience. After lengthy research I found that Embrace provides your pet with the best coverage, also the company itself has been in business may years and is known to be a highly rated company. The customer service is exceptional claims are processed promptly. I feel as a pet owner it is our responsibility to provide the best possible health care for our pets. Embrace has been a great partner helping to keep my pet healthy. I encourage pet owners to us Embrace for the best health care coverage for their loved ones.

No hassle claims processing and quick reimbursement. Customer service is excellent. Rates are reasonable. I have referred them to several friends.

This was our 1st time submitting a claim and I'm very please with the quick reimbursement service. The staff was very fast in responding back to my inquiries. I love that they care about ALL animals so dearly. I'm so glad Kelly Jo is a member with Embrace Pet Insurance. Thank you

Embrace pays out claims quickly and explains benefits clearly. I'm very happy with the service. I wish they had lower prices, but I'm happy with the service I receive.

Took my lab in for tests with specialist,bill was over 2100. trupanion paid .And now I get email raising monthly rates from 85.00 for 2 dogs to 123.00 .Called and was told they are raising rates for everbody with large dogs. My labs in only 53 pds and golden 43 pds. When I signed up told rates will not increase with age and will only increase if area where i live is more expensive. Haven't moved, but told its a rate increase for all pet owners. then why haven't they raised rates for people I referred to trupanion

Took my lab in for tests with specialist,bill was over 2100. trupanion paid .And now I get email raising monthly rates from 85.00 for 2 dogs to 123.00 .Called and was told they are raising rates for everbody with large dogs. My labs in only 53 pds and golden 43 pds. When I signed up told rates will not increase with age and will only increase if area where i live is more expensive. Haven't moved, but told its a rate increase for all pet owners. then why haven't they raised rates for people I referred to trupanion

Called several times--needed to file first claim. Always and only get voicemail. No human! Callback was within 2 days, but still a hassle. Filed 2 claims--one for my dog that died of cancer. That claim was paid. Other claim for bacterial infection which caused diarrhea and required meds and blood tests--nothing was paid on the claim. Very unhappy. Customer service told me didn't need any info from the vet when submitting my claims, but then both times they requested info directly from my vet, thereby delaying my claim. Really, if you are going to insist on vet records, why not insist on them at the time the claim gets filed? So much unnecessary work for everyone, and then to deny the very basics of claims--infection! I had three dogs enrolled on this plan, but now I think I am wasting my time and money.

We switched to Embrace because we were tired of chasing our other pet insurance source. What a difference. The people are terriffic and when our four year old German shepherd was diagnosed with Cancer, and the bills started coming in, Embrace reviewed and paid them quickly. Can't ask for more than that.