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For the premiums I pay, as well as significant increases over time, I am disappointed that wellness/dental and medications for pre-existing conditions are not covered.

My dog has many many visits for his current condition, I was having a hard time keeping track of all of the services performed and getting late charges from clinic. The Representative was helpful in resolving this issue for me.

I feel like I lost money, after factoring the difference between premiums and coverage I could not justify the expense at this time.

Wonderful, friendly customer support. Claims process is very simple, especially the simple claim form. Response to a claim is very quick and easy. Wonderful company. Can’t find enough good things to say about them.

We have been completely satisfied with Trupanion's handling of claim submitted on behalf of our beloved dog. Trupanion's staff is cheerful, knowledgeable, understanding and available 24/7.

No hassle at all! I sent in the paperwork and the claim was processed immediately. I was communicated with throughout the process and it was a hassle free process.

Best customer service experience i've ever had with a company. The follow through was exceptional. Their available to answer questions, my claim was processed quickly and there was no hassle at all. I would recommend this company to anyone looking for pet insurance. I am a VERY happy customer.

I know no matter what unexpected illness may come our way, Embrace will be there protecting us.

We have had our cat Baby Boosh, for just over a year. She was a rescue from Montreal. We signed up for Trupanion insurance about a month ago. Last week, she started urinating small amounts of blood. We immediately took her to the local vet, who ran a slew of tests including an xray which showed a mass in her bladder. They had no idea what it was, but suggested we have an ultrasound technician look at it later that day. The technician found that there were 3 bladder stones and the large mass was a blood clot. They said we needed to do surgery in order to clear it. Good thing we had Trupanion insurance! The invoice for that day (tests, ultrasound, bloodwork, urinalysis, etc.) was $1400. The surgery was going to be $2400. The clinic is a Trupanion Express partner, so they submitted the claim. Within a few hours we received an email from Trupanion that none of the services or surgery would be covered because we were 3 days shy of the 30-day waiting period - so it was considered a pre-existing condition. We called Trupanion and tried to resolve the issue to no avail. They stood by the 30-day waiting period and would not contribute any amount to the costs. Even worse, they said that if there was any recurrence of the problem (or anything else even remotely related to it) at any point in the future, it would not be covered - again, considered a pre-existing condition. I think it's pretty clear that we had no malintent in this situation - if we were looking to "scam" the insurance, we would have obviously made sure to wait this "30 day period". We check some of the other insurers and found most have a 14-day waiting period. Why Trupanion has 30-days is anyone's guess. I got the feeling from the phone conversation that Trupanion may be one of those insurers who tries to deny claims all the time and puts the burden on the insured to prove things. We are obviously paying the costs for the surgery for our Baby Boosh, but very disappointed in how Trupanion handled the situation.

We've always had great experiences with ASPCA Pet Health Insurance and will remain clients.