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I recently adopted an 8 wk old puppy and now at 15 wks she is healthty and happy. I had a Shepherd Collie mix before and used VIP insurance. I think insurance is a necessary and responsible part of pet ownership. The problem I had with VIP was their fee schedule. What they considered usual and customary fees were archaic. I have not seen some of their fee expectations in years. I love that embrace take a more resonable approch by setting their their fees regionally. I also got the wellness plan and love that I can choose from the services covered what I want to use this plan for.

When I decided to get health insurance for my 4 cats they were all healthy. No problems, we went for regular check ups and had the regular maintenance health care done, such as dental cleanings, etc. everything was fine. I decided to have health insurance for them considering they were getting up in age - if they fell or had any injury or minor illness then at least I could feel like I had extra help to pay for it. You wouldn't believe how much one little injury could cost. The health insurance has helped out tremendously. Within two years all my cats had at least one thing happen to them or some minor illness came upon them. One cat had a few problems within two years. If I didn't have the insurance the cost for 4 cats with health issues would've ran me thousands and it did! The pet health insurance covered a great portion of it and my budget for cat care did not take a large hit within those two years. It is just a comfort to know there is help. It is insane not to have health insurance for yourself it is equally insane not to have it for your animals since it can help you cover your cost. Not to mention, give you the peace of mind that you can offer the best possible care for your animal. Don't know why I didn't get it sooner. Everyone is healthy and/or recovering now, thankfully!

On the recommendation of a friend I took out insurance on my two Yorkies, Daisy and Dudley. The cost was very reasonable for the two of them. Dudley started to have blood in his urine. I took him to the vet and after tests and x-rays a large stone was discovered in his bladder. Surgery was necessary. I thought this is going to be very expensive, which it was but how pleasantly surprised I was to find that my ASCPA insurance did everything the policy said and I was reimbursed for the 80 percent they promised. How wonderful! I recommend them highly!

Topnotch customer service. I had an issue with a claim and actually spoke to the CEO! That's true customer service.

This was my first claim submitted and I was quite surprised at the amount of return. They were very prompt and covered more than I thought would be covered. I was a little disappointed in that they didn't cover a certain medicine and test for his dry eye condition because it was a previous condition. I feel that this medicine and test, like heart worm and flea medicine, is a preventative medicine...it helps to prevent it from getting worse and costing more to cure or releave. But overall I so far can't complain.

I was very suprised by the quick response from embrace , the e-mail to help the process along made everything for us and our new pup a pleasant experience . I am very happy we decided to take Our beautiful Maltese Angel and put her insurance in your hands . We had a Maltese for 13 years before Angel and her dental alone ran sometimes in the hundreds every year ! Also your e-mails are very personal and sweet , being a business owner I appreciatate the customer care ! Thank you , Anne Candreva

Our spunky Yorkie, Pumpkin, turns ten this month (April 30) and has been covered since she was a puppy. She's had many ailments over the years, in fact, her private "folder" in my desk is twice as thick as my beautiful Cocker Spaniel, who lived 16 years with us. Pumpkin experienced kennel cough, worms and hypothermia when we took over her care as a puppy. Our Vet is wonderful; she recovered and we had no problem with our pet insurance (Petshealth Care Plan). Recently, we discovered a small growth on her eyelid. It was the weekend, and I planned to call the Vet Monday. There was deep snow on the ground and Pumpkin loves scooting around and burying herself in the snow - however, she came up bleeding profusely. It turned out to be a small (benign) tumor. When she had her surgery, I also had her teeth cleaned. I am so thankful I had pet insurance, because it was over $1,000. My Vet broke down the costs separately for the insurance company. I received my check in weeks and was satisfied. I am also thankful that the insurance will cover Pumpkin for the rest of her life. I have recommended this company to friends and will continue to do so. Thank you for your support for the past ten years - we really appreciate it!

They advertise that they'll 80% of vet's bill but in actuallity they pay 80% of what they think the procedure costs...and i dont know where they get their price lists from...

I had never purchased pet insurance for my previous pets and have experienced some very expensive vet bills throughout 30 years of dog ownership. I was asked to consider adopting a Yellow Lab whose owner had unexpectedly passed away and I felt that pet insurance would be a good investment. I had heard about Trupanion through PETCO. I went on line and read up on numerous plans and I felt, by far, Trupanion offered the best coverage. It didn't limit amounts for certain illnesses, etc. like the other plans and it was much easier to understand. You have $20,000 of lifetime coverage, excluding routine exam, vaccinations, and other items (like pre-existing conditions) that are clearly explained. There is a waiting period before coverage will be effective, but this is also explained (5 days accident, 30 days illness). During the second month of ownership, I noticed my dog was experiencing intermittent vomiting and a dry coat. Following bloodwork to rule out any potential cause for this problem, it was determined that he had a very low thyroid level. Once he was put on medication, they needed to re-test his thyroid in a month. I submitted my claims by fax (each invoice has to be submitted as a separate claim) and I received an e-mail confirmation from Trupanion that they had received my claim. My vet's office was contacted the next day to have his medical records faxed to Trupanion. I was also contacted to see if I had any past records from the previous owner.

I had never purchased pet insurance for my previous pets and have experienced some very expensive vet bills throughout 30 years of dog ownership. I was asked to consider adopting a Yellow Lab whose owner had unexpectedly passed away and I felt that pet insurance would be a good investment. I had heard about Trupanion through PETCO. I went on line and read up on numerous plans and I felt, by far, Trupanion offered the best coverage. It didn't limit amounts for certain illnesses, etc. like the other plans and it was much easier to understand. You have $20,000 of lifetime coverage, excluding routine exam, vaccinations, and other items (like pre-existing conditions) that are clearly explained. There is a waiting period before coverage will be effective, but this is also explained (5 days accident, 30 days illness). During the second month of ownership, I noticed my dog was experiencing intermittent vomiting and a dry coat. Following bloodwork to rule out any potential cause for this problem, it was determined that he had a very low thyroid level. Once he was put on medication, they needed to re-test his thyroid in a month. I submitted my claims by fax (each invoice has to be submitted as a separate claim) and I received an e-mail confirmation from Trupanion that they had received my claim. My vet's office was contacted the next day to have his medical records faxed to Trupanion. I was also contacted to see if I had any past records from the previous owner.