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Claims were submitted on-line by the vet office and were processed almost immediately.

I previously posted a review saying how impressed I'd been with Embrace and this trend has continued. My dog needed a liver panel follow-up ($180) and I had notice of full reimbursement (less the policy's deductible)less than one week after the vet appointment and before I'd even received test results. Amazing!

(Less one star based on an instance where I was not advised of a change in Trupanion's policy regarding one item, which caused a bit of time and effort to resolve to my satisfaction.) Dear Trupanion, Thank you so much for your prompt response - it's been less than a day since I submitted my claim to you, and I just got an email saying that it's been processed! More, thank you for being there. When I first signed up with your company last summer, I was kind of taken aback afterwards - the policy felt like a luxury that I could barely afford. And - also somewhat unnecessary - still 13 years old and insurable then, up until that point my cat Titania had been perfectly healthy. However I have to say that because I took that jump to get on board with Trupanion, Titania has been pretty well saved from 'economic euthanasia'. Since getting the policy, I have saved several thousand dollars at least. So far you have seen her through two fractured teeth, both a heart murmur and arrhythmia, a severe kidney infection, and what appears to be the start of kidney disease. With your help, Titania has gotten the excellent care she has needed, and so the quality of her life right now is actually quite good. In retrospect, taking the initial risk to purchase a policy was such a right decision.

(Less one star based on an instance where I was not advised of a change in Trupanion's policy regarding one item, which caused a bit of time and effort to resolve to my satisfaction.) Dear Trupanion, Thank you so much for your prompt response - it's been less than a day since I submitted my claim to you, and I just got an email saying that it's been processed! More, thank you for being there. When I first signed up with your company last summer, I was kind of taken aback afterwards - the policy felt like a luxury that I could barely afford. And - also somewhat unnecessary - still 13 years old and insurable then, up until that point my cat Titania had been perfectly healthy. However I have to say that because I took that jump to get on board with Trupanion, Titania has been pretty well saved from 'economic euthanasia'. Since getting the policy, I have saved several thousand dollars at least. So far you have seen her through two fractured teeth, both a heart murmur and arrhythmia, a severe kidney infection, and what appears to be the start of kidney disease. With your help, Titania has gotten the excellent care she has needed, and so the quality of her life right now is actually quite good. In retrospect, taking the initial risk to purchase a policy was such a right decision.

After a very detailed search, we decided to go with Healthy Paws Pet Insurance. And we are super happy that we did it.Six months ago, Buddy was hospitalized after he collapsed. Then later, he diagnosed with DCM ( dilated cardiomyopathy). During this stressful times, it is great to know that at least we do not need to worry about his vet bills. Our claims were settled within a week. Customer service is very professional , very personal and very caring. It is very very impressive how they care about our little paws. Many Thanks to Healthy Paws. Don't Hesitate... Choose the Healthy Paws... You will not Regret .....

I just recently insured my french bulldog with Embrace. I submitted my first claim for a wellness visit this morning, and less than 5 hours later have received notification that the claim has been processed and my check is being sent out. I'm very pleased with the response time!

3 years ago our dog had begun to lick and chew on her tail. We eventually had to have it amputated. This claim was covered by ASPCA. It took several months to receive a check. The claim was $950 and ASPCA gave us $400 back- not so bad. After her surgery she healed and was fine for over a year. 2 year later she began to chew on the tail again. We battled with this second issue for over a year. The doctors didn't want to amputate it again and instead kept prescribing medicines to help with nerve pain. Our dog finally became so fixated on her tail at one point that we took her to the ER vet and they proceeded with amputating her tail a second time. Our claim ended up reaching over $4000 for the year+ that we spent taking our dog to the vet and for the surgery. ASPCA looked at the claim as a pre-existing condition and denied the claim. In their policy they state that 180 days constitutes as a waiting period in between injuries, however, they kept suggesting that our dog was never "cured and clear" of the injury. They hold all of our medical records directly from the doctor that show no indication of our dog being seen for anything other then a regular check up. I put in an appeal for the claim and received a letter with new excuses for denial. One, being that the claim was not submitted in a reasonable amount of time since the start of the incident. If we were battling the incident for over a year, then what do they expect? We submitted the claim immediately

I'd been covering my two cats with another popular pet insurance product. The other company really made my angry one day (and not for the first time) when they refused to expand and offer cancer coverage to one of my cats even though Willow was under the cut off age for their cancer rider. I was ready to pay extra, but they wouldn't take my money. This is what lead me to change her over to Embrace. The older cat is still on the old plan because he's old. But it gives me a good chance to compare the two plans. So far, the reimbursement for a Wellness visit is about $30 more than I get from the other plan. The customer service has been great. Very proactive and friendly. I feel very pleased about my choice, so far. I'm paying a little more per month for Embrace, but I would have had to do that if I'd been able to get the cancer rider.

Kayos a Great Dane puppy had an everted third eyelid. He was scheduled for surgery m2 days later, trupanion worked with me to get the preapproval done. He had his surgery and about 8 days after submitting the claim I received my reimbursement check. My first experience with pet insurance and in hindsight everything went pretty smooth. Kayos's eye has healed and he no longer has to wear the cone of shame. He is back to his happy healthy self. He is such a marmaduke. Thank you Trupanion for your patience and help during this stressful time.

Kayos a Great Dane puppy had an everted third eyelid. He was scheduled for surgery m2 days later, trupanion worked with me to get the preapproval done. He had his surgery and about 8 days after submitting the claim I received my reimbursement check. My first experience with pet insurance and in hindsight everything went pretty smooth. Kayos's eye has healed and he no longer has to wear the cone of shame. He is back to his happy healthy self. He is such a marmaduke. Thank you Trupanion for your patience and help during this stressful time.