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This was my first claim with Trupanion. I just signed up a little over a month ago and my puppy already got sick. I called Trupanion and they encouraged me to take my puppy in. I did and Trupanion quickly turned my claim around.

I have been very unhappy with the decisions that Embrace has made on what they would cover. My dog had an ear infection after we joined and then another 6 mos later and they said that this was a chronic/preexisting condition and wouldn't pay. I spoke to an account rep and told them that if my child had 2 ear infections a year the insurance company would not consider this a pre-existing condition. Also I submitted a claim dated December and waited to hear from the company. No paperwork came back. I called the company and they said that the claim was not being paid out because it would go toward the deductible. I explained that the insurance goes from April to April and they agreed and I did recv a check but if I had not called up and asked the question they would not have sent me any explaination of benefits. Embrace also called up my vet's office to see when I made an appointment (we had a 15 day waiting period), they recd some information from the office, denied my claim and when I asked the vet about it he said that he had never heard of such a thing, and that his office didn't keep such records. I called Embrace and they said that because they felt that the appt was made a day before the waiting period ended it was a pre-existing condition. I would say that you would need to be very careful in choosing Embrace as your carrier.

Embrace has handled us and our pets' needs with great care, concern and rapid response to every detail including reimbursement. Their employees take the attitude that your pet is theirs and touch base with you months after you need their service just to see how your pet is doing. Makes even a difficult situation bearable. I am an actual customer and our dog Spike's life was saved not only by the emergency vet hospital but by the wonderful employees at Embrace. Peace of mind they provide is PRICELESS. You can view our story on their site under real stories. I spread the word everywhere I am in contact with pet owners. Embrace even insured or senior dog when no other one would due to his age and pre-exisitng handicap...the premium was lower than most other companies' coverage for dogs under 5 years of age; our dog was 10 years at time of enrollment. Thank you doesn't seem adequat.

The only way to come out ahead with Embrace is to have a compete understanding of the policy play their game. We had our 8 week old puppy cleared on the ortho exam during the 2 week initial waiting period so we thought we had a healthy perfect puppy and that we were covered. 2 week before the 6 month waiting period for ortho injuries was completed my puppy hurt her knee. We should have waited to get her looked at. They denied the claim saying the ortho exam was done during the waiting period and because of that we had to wait 6 months. We acted in good faith, they did not. If she needs surgery down the road, it won't be covered. Good luck if you pet gets hurt or sick. I am sure they will figure out how not to cover it.

I've always had several pets and it seems that I always end up spending a fortune on them at some point. We spent $2500 on knee surgery for my poodle....$3000 for multiple eye surgeries and emergency vet visits for our Shar-pei. I kept saying that one of these days I'm going to buy pet insurance. After Maggie and Sugar passed away we eventually were ready for a new dog. We purchased a French Mastiff puppy and as most people know, the bigger the dog, the bigger the bills. I found Embrace on line and got Bailey set up with a policy and have made a claim on her shots and wellness exam. I was reimbursed within a week or so and was very happy with the experience. I just faxed in the claim form and invoices and had an email the next day saying it was being reviewed and then a follow up email saying a check would be coming in the mail. I feel this is going to be money well spent. I chose Embrace because they not only cover the normal expenses (shots, emergencies, etc. ) they cover hereditary diseases like hip displasia. If you do your research, you'll find in the small print that most other pet insurance carriers don't offer that. I think this is going to be a long and happy relationship with Embrace and I've already recommended them to several people who have pets. Thanks Embrace!!

As I thought this company cared about pets, one has to remember that it is still a business. I insured my less than a year old puppy and added hip dysplasia insurance. Upon bringing her to the vet for a regular checkup, my vet said that she was standing "odd". I did not think anythin of it, but my vet wanted to do an x-ray. I let him, only for him to come back letting me know she has hip dysplasia. I was shocked and did not even see this coming! I collected all the relevant forms and followed all the instructions from the Trupanion website. I faxed everything in, just claiming the x-ray and meds. Trupanion emailed me that day notifying that they refuse to pay. There reasoning: the condition was found within the first 30 days of my insurance -- I only had two more weeks to go. I called to see if any further coverage would be available after the 30 days and was told "no". I even explained that I did not even know and that it was not even my choice to get the x-ray done then! Trupanion still refused. I realize that it is in their policy but there has to be an exception in some cases. I could even have the vet write a letter explaining that it was his idea and not mine, but that would still do no good. Since Trupanion has done absolutely nothing for me, I asked for a refund for my coverage (2 months) and was refused on that as well. They just offered a $5 refund on the hip dysplasia. To everyone out there, be wary on your policy start date and allow your pet to suffer until the 30 days is up. This is was Trupanion forces you to do.

As I thought this company cared about pets, one has to remember that it is still a business. I insured my less than a year old puppy and added hip dysplasia insurance. Upon bringing her to the vet for a regular checkup, my vet said that she was standing "odd". I did not think anythin of it, but my vet wanted to do an x-ray. I let him, only for him to come back letting me know she has hip dysplasia. I was shocked and did not even see this coming! I collected all the relevant forms and followed all the instructions from the Trupanion website. I faxed everything in, just claiming the x-ray and meds. Trupanion emailed me that day notifying that they refuse to pay. There reasoning: the condition was found within the first 30 days of my insurance -- I only had two more weeks to go. I called to see if any further coverage would be available after the 30 days and was told "no". I even explained that I did not even know and that it was not even my choice to get the x-ray done then! Trupanion still refused. I realize that it is in their policy but there has to be an exception in some cases. I could even have the vet write a letter explaining that it was his idea and not mine, but that would still do no good. Since Trupanion has done absolutely nothing for me, I asked for a refund for my coverage (2 months) and was refused on that as well. They just offered a $5 refund on the hip dysplasia. To everyone out there, be wary on your policy start date and allow your pet to suffer until the 30 days is up. This is was Trupanion forces you to do.

I am very busy, and the fact that Embrace employees follow through on all the paperwork and email confirming everything, and then follow up at the end of the process, really makes my life easier. My first puppy, and of course I love him, but having him healthy is very important, and I am happy that I paid to have insurance!

I have insured my shep/samoyed x since she was 12 weeks as 1 year prior my mother in law had to euthanize her 11 month beautiful shep due to severe hip displasia, they could not afford the 12000 surgery. It has been a blessing to me, Hailey is now 12yrs old and has had numerous issues over the past 5 years. Both knees and 3 boughts with hepatitis - still working on the third. Not withstanding testing for spinal issues, mri to test for degenerative mylopothy (negative)on and on it goes right now. But, we are able to do everything we can to find out the proper way to treat her. I tell everyone i now or meet at the vet hospital that i wouldnt go without it. Takes the decision making out of the picture. Securican has alway supported our treatment choices and have never questions our decisions. I have never used any other company so as far as a rating go i have not comparison. I dont now if my rates are higher than others but i have no compaints about service.

We recently brought a new dog into our family. Neither my wife nor I hae ever owned a dog before. We heard from a variety of people that we needed to get health insurance for our new addition. After doigng some research, we decided to go with Embrace because of their good reviews and reputation. Well, now that I experiecned their helpfulness and efficiency first-hand, I am grateful we made the choice to purchase an Embrace policy. We recently submitted a wellness claim for reimbursement and it was refreshing to realize how easy submission was and how quick we received our reimbursement. Keep up the good work Embrace!