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Sometimes it takes a few weeks to be paid for a claim, but they've covered everything so far, so I can't complain! Very happy with this insurance and so glad I have it.

I must confess: I feel kind of stuck with Embrace. While I do love that they cover 80% of my dog's bills (after the deductible), I find that they can get SUPER nitpicky about these "pre-existing conditions." For example, I adopted a shelter dog. He had a kennel cough when I adopted him (as so many shelter dogs do). Unfortunately, he also managed to catch the canine flu during Chicago's massive outbreak. Because he had that cough when I first got him (which was prior to his Embrace coverage), Embrace refused to cover his nearly $300 bill because we couldn't get the sample at *just* the right time for it to test positive. Hid vet even talked to them and explained the situation, including how difficult it was for a test to come back positive. Aside from that, not long after he came home with me, he basically decomposed a bit & started peeing everywhere in the house (this is also a common thing that happens when a dog's living environment changes). Unfortunately, he also eventually got diagnosed with anxiety. I also managed to gain a wheelchair, so we had to move to accessible housing while he was seeing the behaviourist. Once again, he started peeing shortly after the move. We had him tested for a UTI, etc. & ultimately, it was determined to be a behavioural issue – again, something very much expected in any dog. Embrace had been fine covering my dog's anxiety meds for over a year. Then suddenly, they decided that since my dog had peed inside before his coverage began, and because it wasn't a UTI, Embrace decided to stop covering all treatment for his anxiety. So now we can't even afford a behaviourist to monitor his wellbeing. That said, they've been really great at covering all our ER visits, which has truly been a lifesaver! The claim processing is super swift and my reimbursement is usually in my bank within a week of me filing.

I had recently switched from a $0 deductible to a $50 deductible because my rates have been raised every single year I've been a customer and it has become almost unaffordable.. (especially with vaccines and teeth cleanings not being covered) but I had a question on how the deductible worked and the representative helped me greatly. I understood the process and she even emailed me a claim form which was extremely helpful. I always love calling Trupanion because the reps really are so helpful and NICE!! That is hard to find when looking for help from any company you call. I am the kind of person that would rather speak to a human than just figuring out anything online, so Trupanion is always a big help when I call.

I wish people-insurance was this honest and friendly.

So far I have been extremely pleased with Trupanion.

The representative was helpful and courteous. I hate to score her lower than ten but she represents the company and I am frustrated with the length of time it is taking to resolve an appeal. She was unable to resolve my issue because she is not in a position to make approval decisions.

Trupanion insurance processes claims quickly and the deductible per condition with no yearly rollover is a nice feature. My only discontent with the insurance is that although your pet's premium is permanently based upon the age of your pet at sign up that does not mean your premiums will not increase over time due to other factors.

I was unable to download and print a claim form. The rep said I don't need a vet to fill out the form or sign the form. This seemed incorrect to me, so I will send in my claim form and receipts and call back if I have any further issues.

The rep I spoke to was great. I am disappointed that I cannot add on the holistic option without my pets being covered for their current conditions. I would understand if this option was offered to me however I have never seen an email offering this option or received a call advising this option has been added. I would have absolutely added this option if offered earlier.

The entire process was easy and flawless. I am so delighted to have Pets Best for my insurance they could not be better.