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My dog almost died from an ulcer that was caused by an arthritis medication prescribed by my VET. Trupanion refuses to pay. Trupanion did not have dysplasia coverage before May of 2013. Jasmine (my sweet dog) has recently developed arthritis (after May 2013) in her back hip. she is a 41/2 year old lab mix. The Vetinarian precribed Deramaxx which ended up causing an ulcer that almost killed her. The total treatment cost was about 5000.00 Trupanion claims she has dysplasia and had it prior to when they started their coverage. since the medication was prescribed for the arthritis in which again they claim is dysplasia they are refusing to pay for any part of her treatment. The diagnosis from the doctor is a little spot of arthritis in an x-ray that was taken recently . The X-ray does not show any separation in her hips and was sent to them with a note from the doctor saying she does not have dysplasia and certainly couldn['t have had it prior since its not curable. But they still refused to pay anything. They are basing their diagnosis on a conversation i had with my doctor last year and again earlier this year about how she was not jumping and running like she used to. I mentioned that she had a limp when she got up from lying down which was true but it was a front leg injury and had nothing to do with her back legs. After they refused to pay i requested all records and so included in those records was Jasmine's Paw Print which was created by Trupanion and

My experience with using the Wellness rewards has been positive. The process is simple and the response has always been prompt. One time a Bath Service claim I submitted was denied. When I enquired why, the Embrace staff took the time to determine that the nail clipping portion of the service was indeed eligible. So far, we haven't had an illness claim, but I am so pleased to have the insurance and confident all will go smoothly.

Embrace is an amazing pet insurance company; with extremely quick and convenient reimbursement methods. Zero gray area on coverage, totally worth every penny.

I've had Trupanion for several years. I started with them because they were the only company, at that time, that would cover seniors for illnesses. I've had one dog with an immune mediated disease, one who ripped a huge hole in her front leg, and one who, at age 9, developed seizures due to hydrocephalus. All claims were paid quickly and with little trouble. I did have to get additional information about what was thought a pre-existing condition, but after my vet wrote an explanation, all was covered. A+

I've had Trupanion for several years. I started with them because they were the only company, at that time, that would cover seniors for illnesses. I've had one dog with an immune mediated disease, one who ripped a huge hole in her front leg, and one who, at age 9, developed seizures due to hydrocephalus. All claims were paid quickly and with little trouble. I did have to get additional information about what was thought a pre-existing condition, but after my vet wrote an explanation, all was covered. A+

I thought people insurance was bad; these folks will do anything to get out of paying. Took me months to just get denied and for puppy stuff and I had the 90% plus plan....all the minute excuses for not reimbursing me and having a different start date on file as well. I also had to keep resubmitting my claims because they couldn't read the one's I faxed, the Vet invoices that gave details wasn't enough they had to get the Vets "notes", wouldn't cover a preexisting condition for a puppy with Giard. Don't waste your time or money!!!

I had just purchased peta best insurance and two weeks later my 5 year old dog got a laceration while at doggie day care. I had absolutely no issues with filing the claim, in fact it was super easy. Within about seven days I had the money in my bank! When I called to check on the claim they asked how Aries (my dog) was doing. Every time I have spoken with them they have been completely professional, caring and polite. I am sure if someone has had a negative experience it is because they did not do something proper or they are trying to get something paid for that is obviously not covered. Anyways, just wanted to say how greatful I to have my pups covered. I know that their health will be well taken care of! Thanks!

I am very thankful to have this insurance and I have recommended it to others. I selected this insurance in 2010, as the company I work for brokers this insurance plan. I never used it until recently when my dog was diagnosed with Intervertebral Disk Disease. Upon exploring the benefits of this amazing policy I discovered that alternative therapies are covered such as Acupuncture,Hydrotherapy, and Chiropractic services. Shortie has been seeing a wonderful Vet, Rebecca Fraser, who has an acupuncture practice as well. (www.fraservetacupuncture.com) The treatments have made all the difference in the world and the prompt turn around time for reimbursement by Healthy Paws for each claim submitted has been remarkable, it has not impacted my budget at all. I am very pleased and satisfied with my Pet Insurance choice and the fact that my dog is feeling like a dog again. Thank you Healthy Paws!

I could not be happier with Healthy Paws. I work at an Animal Hospital and deal with all insurance companies on a daily basis. By far, Healthy Paws is the best. They are friendly,efficient, and hassle-free. One of my pets has been ill for the past few weeks and my wallet was getting thinner by the minute. Thanks to Healthy Paws, they processed my claims within a 24 hour period and I received my reimbursement in no time! Based on my experience with almost all pet insurance companies, I strongly recommend Healthy Paws above them all!

My Tibetian Terrior ate something. After explatory survey and emergency vet bills only haveing been enrolled for three months Trulanion paid their portion. They kept me up to date every couple days about the standing of my claim via email. I have not made a single call. Their emails alway start with nice thoughts like " aren't pets amazing.." Or " we are so glad your taking care of Bentley..." I am Shocked at the amount of positive contact I am receiving from this company.