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My 10mo old Amstaff was very ill & we didn't know what was wrong with her. After 6 visits to her regular vet we had to go see a specialist who told us she has meningitis. She had to have an MRI, xrays and several test done to come to this conlusion. From the begging of her sickness I would fax in a claim form and they would send out a check within a week. So when she had to see a specialist it was a very large bill and we wanted to be sure we were going to be our covered. I called trupanion they were very helpful they faxed over a pre approval form to the Vet hospital and they called me back the next day to say it was approved. I was so happy. She is on medicine now doing better. I wouldn't have been able to go this far and help my puppy without trupanion

My 10mo old Amstaff was very ill & we didn't know what was wrong with her. After 6 visits to her regular vet we had to go see a specialist who told us she has meningitis. She had to have an MRI, xrays and several test done to come to this conlusion. From the begging of her sickness I would fax in a claim form and they would send out a check within a week. So when she had to see a specialist it was a very large bill and we wanted to be sure we were going to be our covered. I called trupanion they were very helpful they faxed over a pre approval form to the Vet hospital and they called me back the next day to say it was approved. I was so happy. She is on medicine now doing better. I wouldn't have been able to go this far and help my puppy without trupanion

I have been very pleased with embrace pet insurance. Everyone is very informative, helpful and prompt with getting back to you with any information or questions you may have. I highly recomend embrace!!!!!!! It is a very affordable plan, with many options to choose from.

I discovered that Trupanion doesn't cover a vet visit unless the vet DOES something like take blood or give medicine. So, when my dog started yelping and was unable to walk in the park, the visit to the vet was not paid because the vet found nothing wrong and the dog was no longer yelping. They ignored that the vet spent a good deal of time checking my dog over from head to foot to be sure. Then they refused to pay for allergies even though no allergies have been found. The records indicated that an ear infection COULD BE a seasonal allergy so now they wont pay for any allergic conditions. In fact, they've only paid for a crisis situation when the dog suddenly started vomiting and became dehydrated and we didn't know why. This seems to be emergency only insurance although it's not supposed to be.

I discovered that Trupanion doesn't cover a vet visit unless the vet DOES something like take blood or give medicine. So, when my dog started yelping and was unable to walk in the park, the visit to the vet was not paid because the vet found nothing wrong and the dog was no longer yelping. They ignored that the vet spent a good deal of time checking my dog over from head to foot to be sure. Then they refused to pay for allergies even though no allergies have been found. The records indicated that an ear infection COULD BE a seasonal allergy so now they wont pay for any allergic conditions. In fact, they've only paid for a crisis situation when the dog suddenly started vomiting and became dehydrated and we didn't know why. This seems to be emergency only insurance although it's not supposed to be.

I have had cats and now a dog. i think that it is very important to have pet insurance when illness strikes your pet or your pet must have surgery you know at least you will get some help with the financial reimbursemt

I have had this insurance for several years and used it recently for the 1st time for one of my cats. I will say that you really need to understand all of the fine print. I was reimbursed a portion but not all minus the $100 deductible. It was decided that my vet charged more than what they thought was a reasonable amount and just did not pay some of the costs. I must admit that I thought my policy paid 100% after the deductible, but when I went back and read it, it is an 80/20 split. However, I think it is wrong to not reimburse the full 80% the vet charged. I have no control over how much the hospital charges. Basically, if you add up what you pay in premiums over time, you are simply putting your pet's health expenses on a monthly payment plan and paying in advance. And more than likely you will end up paying more out of pocket all together. There are way too many limits and exclusions.

My dog just got his teeth cleaned and some small warts removed and ASPCA paid 80% as advertised. Although certain charges are paid only to the maximum allowance, I am not sure if any one ever knows what the allowance is. Yet the process took about 2 weeks from the date I faxed in my claim to the time I received my reimbursement. One thing I like about them is that they will email you once the claim is processed; communication is a key.

I was happy that I had bitten the bullet a few years back, and bought pet insurance for my Australian Shepherd, Nellie. I didn't have it when I had to come up with $4,000 for her ACL surgery. 80% of that would have been helpful. Nor did I have it on Bravo when he was diagnosed with Lymphoma. I never added up the costs of 15 months of chemo. Nellie required surgery recently, which came to $1,400. The reimbursement of 80% of the cost came very quickly and without question. I'm sold on pet insurance.

I was very hesitant to get pet insurance, but after having a poodle that lived to be 18, I decided it would be the best idea with our new Chihuahua. After reviewing the other insurances out there, I did the math and Embrace with 10% co-pay and a $200 deductible seemed to pay for itself with only 3-4 vet visits per year. I also added the Wellness plan, it's like getting $50 back free. Plus they have a lot of nice reviews and only one bad one that I could find. I received an email telling me that I needed a vet's exam to start the insurance coverage, so I thought "Oh boy, here goes! This is the FINE PRINT!" So I took Nutmeg in, and had the vet fill out the forms, as well as give her 2nd puppy shots. I submitted it, thinking that they would kick it back, because it was the initial exam. But to my surprise, they paid the entire thing! Quickly and with nice sincere emails that did not seem to be forms, but really written by a human. We'll see how it goes in the future, but they are starting out great.