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have to say that so far I am very disappointed with Trupanion. I moved to Canada from Australia with my healthy 9.5 year old Jack Russell terrier in June. She got a full bill of health from both her own vet and the vet at the very reputable transporter i used to fly her to Canada (at a cost of 2k). I have always had pet insurance for her so I did my research here and went with Trupanion. In August my doggie jumped off a (8 feet) deck and ripped one of her dew claws out and broke a tooth at the same time! I rushed her to the vet who advised immediate removal of the broken claw and advised we may as well do the second one too as a precautionary measure as she had to have a general anaesthetic for the procedure. He also removed the broken tooth while she was sedated. When i made a claim I was asked for her medical records (weeks ago) and I sent my dog's very comprehensive records from my vet in Australia to Trupanion but it seems this is not enough?! Now they tell me they need more.. if it were an illness she had then I could understand it - of course pre-existing illnesses are not usually covered be it for animal or human. However for an ACCIDENT what else could they possibly need to expedite the process? Well, apparently they need a SOAP?? A (subjective, objective, assessments, plan) - I have been a dog owner most of my life and had my pets insured for at least the last 15 years and never heard of this -and neither has anyone else I have spoken with. Although I know that

I have been using Healthy Paws insurance since adopting my Lab puppy Reilly in Jan. 2012. Choosing Healthy Paws was one of the BEST pet- owner decisions I could have made! Being a typical crazy Lab puppy, Reilly has had quite a few mishaps...and I have been very pleased at the rate at which I've been reimbursed for the care he has received, and especially the customer service I've gotten! The staff is extremely helpful and competent, and I always receive my reimbursement immediately!! Initially, I wasn't sure if pet insurance was something that would be necessary, but I am SO happy I chose Healthy Paws to help me take care of my pup! They are the best!

My dog has had Embrace insurance for about three years now, and I haven't had a claim up 'til now. I felt like it was taken care of quickly, despite their warnings that they were backed up at the time, and everything was very smooth. I didn't feel like I had to jump through too many hoops, the claim process was relatively painless, and the reimbursements came through as promised. No surprises when it came to the deductible, co-pay, or what was covered. Very happy with my first claim experience.

I've only had it for 9 mos. They have paid claims in a timely manner, but at $45.00 a month, I'm not sure it wouldn't be better to just put that money aside on my own.

I have Embrace Insurance for my 4 dogs and so thankful I do. Embrace has been wonderful and enriched benefits for our loved pups. The Wellness coverage is wonderful and for Illness -- it is PRICELESS. Embrace is a great provider, wonderful customer service, wonderful coverage!

I'm very disappointed, I have had my two greyhounds insured with Healthy Paws for almost a year and I have never made a claim for either of them. I switched from Trupanion as they wanted to raise their rates by 33% each (again, never needed to make a claim with them). I was in contact with a Healthy Paws representative who indicated that they would typically only raise rates in the 5 - 7% range for each hound. That seemed reasonable. This week I received an email from Healthy Paws indicating that each dog would receive a rate increase of 14%. I am extremely disappointed with Healthy Paws

I've had insurance on my dog for over two years and have had little to no problems with any of the claims I've submitted. I would like to see any changes you make to enhance your insurance take affect immediately instead of waiting for the next policy renewal.

After having 2 dogs who lived with expensive medical conditions (and horrific vet bills), as we got our 3rd dog I decided it was time to get Pet Insurance. After much online research, I choose Embrace - and after only 3.5 months I know without doubt I choose the best pet insurance company possible.In addition to illness and accident insurance, I also purchased Embrace's fantastic Wellness Rewards program. For an additional premium of $300, I have already been reimbursed for the full annual coverage of wellness items - $400. It's an extensive list that covers wellness exams, vaccines, heartworm medications, spay/neuter, prescription dog food, and more. I can't say enough about Embrace, their excellent communications (emails as soon as they receive a claim; an update while it is being processed; and a follow up after the check is mailed) and their outstanding service. I recommend this company to anyone with a pet.

Nikki under went a series of tests. She was not feeling well...but had all the symptoms of Cushings. With an ultrasound, blood work, ACTH, xrays the bill became large quickly. With Embrace i could go home with Nikki and worry about her...not a huge credit card bill. Thanks to embrace. They paid the bill 100 percent less deductible. There was no quibbling over it. Embrace keeps you informed of the status of the claim! The people are great working with. Embrace seems to be the insurance plan to go with. No problems at all. My dogs are everything to me. Embrace is not cheap....but neither is health care. With embrace, you get what you pay for: honesty, responsiveness, caring. And peace of mind.

In the summer, our cat was in acute kidney failure. Nearly a week in the emergency hospital and $3,000 later, we took her home with chronic kidney disease. Trupanion quickly fulfilled everything they promised in her policy, making the process of claims and reimbursement completely painless. Now, our cat has ongoing treatment for her chronic kidney disease - which Trupanion is continuing to pay for without any difficulty. Their claims are processed very quickly - faxed one day, direct deposit practically the next. And even when we were worried when the official diagnosis changed - from acute kidney injury to chronic kidney disease - where other insurance companies might use it as an excuse to reset the deductible, Trupanion didn't blink an eye. We insure both our dog and cat with Trupanion, and will continue to do so with them, and all of our future pets.