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The dogs I currently have are the first of 8 previous dogs I've purchased insurance for. I've use the insurance for my Puggle puppy three times before she was 6 months old for gastro-intestional issues with medication. The first claim was large due to testing for the cause. It was a significant amount of money even after the deductable was applied. It took a total of 4 times of my Vet having to fax the medical records and me having to call three times before they could be found in your office. So it took almost 3 months for the claim to be completed. I was never contacted that there was a problem & only discovered it when I was notified that the claim had been denied because you didn't have the medical records. I'm on a limited budget and my vet is not willing to wait 3 months for their part of the payment. Needless to say this claim was not very satisfying and placed me in a very difficult position financially, which is what I hoped to avoid by purchasing the insurance. The other claims went smoothly and were paid within 3 weeks. Was this because I complained long & loud? I don't know, we'll see if/when I file amother claim. I am considering changing insurance providers, haven't made a decesion yet. I am going to recommend ASPCA to other pet owners only because there is no "we'll wait & see" choice.

While sometimes there is a lag in completing claims (this is rare) I am always kept updated on the processing of the claim. I appreciate knowing that my claims have not fallen into a black hole somewhere and that my claim will be processed. I always feel a personal touch with the claims folks at Embrace.

Trupanion is everything that people insurance isn't. no automated phone system. talk with helpful, caring people. low premium. easy claim filing. quick claim processing.

Trupanion is everything that people insurance isn't. no automated phone system. talk with helpful, caring people. low premium. easy claim filing. quick claim processing.

Let it be known that even though the website says no medical history required to enroll. This part is true as they want your money. If you file a claim, you will need all your pets history from the time you got the pet. This is to protect the, from paying out claims for preexisting conditions, completely understandable. But I feel they should require this up front to avoid delays in processing and also denied claims. It took close to a month to complete claim because I had to go to several different vets and beg them to fax info to embrace. Vets are not fond of sharing their vet notes, note, i said vet notes, not just the receipts you get as a client. My claim was approved and I did receive my due amount in a timely manner after I got all the info faxed to them. Had I not been able to send them the vet info, my claim would not have approved and I would have been out the annual premium I paid for coverage. So be aware you need to request a medical review upfront otherwise you may be wasting your money if your pet has perexisting conditions. Overall I give them a 9. Would have been a 10 except for the pain of driving to old vets and getting info. Should of been told upfront.

Trupanion has really delievered! Process was very easy any questions that I had was dealt with professionalism. They helped me step by step since this was the first time I've ever filed a claim. GREAT

Trupanion has really delievered! Process was very easy any questions that I had was dealt with professionalism. They helped me step by step since this was the first time I've ever filed a claim. GREAT

This was a wellness claim that also had illness on it. I faxed my claim in. The claim was split into two claims and processed quickly.I had to call once to check on a question I had about it and the staff was very freindly and helpful. I also emailed once to check on the claim 14 into it and received a quick response same day and told my check was in the mail. 4 days later I received the check.

Process was very easy, printed forms on line, attached paperwork and mailed. I was able to keep track of status on line. I was kept informed of my claim via email the entire process. Very good customer service.

My claim was processed quickly and accurately. I chose a $0 deductible with Trupanion and have been very happy to date.