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This is an excellent company and should serve as a model for how other businesses-- any business. The ease of use and customer service is fantastic. They provide pre-printed forms, you fax them in, they respond immediately with an email that is easy to read and understand and pay out very quickly (they even have direct deposit)-- or provide a clear reasonable answer if the event is not covered or you have hit your limit. Love!

I have had the Hartville Group since it was Healthy Bark and Purr. They have helped me through my late dog Woofie and Smoochie knee and bone cancer surgery to my new dog's cancer diagnosis. They have even called me to ask how my pets were, It is easy to fill out the form and email, fax, or mail it in. Payment is quick. And the explanations make sense. If I were a pet I would want the Hartville Group. Actually if they did human insurance I would want it.

I do not know what I would do without my dog insurance as I am retired but on a very low income and Kaiser has had to have his both legs operated on as well as cancer over this past year and there would be no way I could fork out the amount of money it cost by myself so I feel it is well worth the amount you pay out each month and when your animal gets ill it sure helps to know that you have help in handling the money factor. Thanks Sandra Norman

I do not know what I would do without my dog insurance as I am retired but on a very low income and Kaiser has had to have his both legs operated on as well as cancer over this past year and there would be no way I could fork out the amount of money it cost by myself so I feel it is well worth the amount you pay out each month and when your animal gets ill it sure helps to know that you have help in handling the money factor. Thanks Sandra Norman

We purchased our policy with Trupanion within the first year of owning our pet...a Maltipoo She was recently was diagnosed with a condition effecting both knees known as 'Luxating Patella'. We were shocked to learn that the surgery would run over $3,000. We called Trupanion and after a thorough review of our Veterinary Pet History, they pre-approved the claims. The surgery turned out to be $3,146 and Trupanion paid 90% of this cost!! We were very pleased with their professionalism and service. No bait and switch that you hear about with so many other companies. No debate. Their policy is well written and easy to understand. I highly recommend trupanion if you pet does not have any pre-existing conditions. For a new pet under 12 months..it's a no brainer...just do it!

We purchased our policy with Trupanion within the first year of owning our pet...a Maltipoo She was recently was diagnosed with a condition effecting both knees known as 'Luxating Patella'. We were shocked to learn that the surgery would run over $3,000. We called Trupanion and after a thorough review of our Veterinary Pet History, they pre-approved the claims. The surgery turned out to be $3,146 and Trupanion paid 90% of this cost!! We were very pleased with their professionalism and service. No bait and switch that you hear about with so many other companies. No debate. Their policy is well written and easy to understand. I highly recommend trupanion if you pet does not have any pre-existing conditions. For a new pet under 12 months..it's a no brainer...just do it!

I bought this insurance years ago. I wanted to try out the idea of pet insurance since someone suggested it. They went with ASPCA so I decided to go with it too. I soon found out that their customer service was horrible. I called on the phone waiting to get a rep on the line and I'd wait a LONG time on the phone before someone would finally get to it. I believe it was more than 15 minutes and even longer on the second trial. This happened twice so I decided I'd better not go with this insurance company and decided to cancel it having it less than 1 month. They did not refund me my amount they took. They billed me for the whole month even though I had the insurance less than 1 month. I talked to them and they said this was the way it worked. Point being was I felt like this company was greedy and didn't think the about customers and their pets.

I have never used a pet insurance. My Vet recomended Embrace and another insurance company. We decided on Embrace and I am very disappointed in my claim results. My claim was for $958.11 and they only will emburse me $327.36.The reason that people get insurance is to help with the cost of vet bills in an emergency. I felt that my total bill should have been covered. I might start looking for a new company.

Clain took very long to process. Only covered $86 out of $444. Called some things pre-existing that truly were not. For $118 a month, I would say not the greatest return on my investment. Andrea

We purchased a wonderful Boxer and rescued a sweet Pit Bull from our local shelter. The Pit has had no health issues but little Boxer girl has and with the exception of some preexisting issues (wish we had gotten insurance the day we brought her home) the Embrace insurance helped so very much. We did not get a policy with meds included which is a major cost and with a purebreed puppy that would have been a good idea for us during her first year.