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We live in the Washington DC area where pet care is quite expensive. As such, most of the charges are above the allowable amounts allowed by ASPCA. Our reimbusement is usually around 50% of the claim. We have a dog with glaucoma and recently she suffered from keratitis and needed surgery. Our ophthalmologist strongly stated that the two conditions are unrelated. I have submitted claims which have not yet been processed, so I don't know what the result will be. We bought insurance when our dog was approximately 12 years old and have not used it much. Only two claims have been processed in two years. I feel some comfort in having pet insurance, but until recently have not needed to use it. It is difficult for me to rate ASPCA since my experience has been limited. I actually am glad that it has been limited. One thing I have been disappointed in is the processing time. Telephone assistance is always very good.

My Olde English Bulldogge, Nabuco, started limping for no apparent reason. I took him to a specialty hospital (without a referral) where they x-rayed his front legs. The doctor found nothing was wrong with him and had a radiologist check out the x-rays and found nothing either. I thought my claim would be denied because according to 2 vets, nothing was wrong with Nabuco. But I still emailed my claim (only a claim form, Nabuco's record, invoice & receipt). In less than 10 days my claim was approved!!! The bill w/o the exam fee was $362 and Trupanion reimbursed $325.80!!!

My Olde English Bulldogge, Nabuco, started limping for no apparent reason. I took him to a specialty hospital (without a referral) where they x-rayed his front legs. The doctor found nothing was wrong with him and had a radiologist check out the x-rays and found nothing either. I thought my claim would be denied because according to 2 vets, nothing was wrong with Nabuco. But I still emailed my claim (only a claim form, Nabuco's record, invoice & receipt). In less than 10 days my claim was approved!!! The bill w/o the exam fee was $362 and Trupanion reimbursed $325.80!!!

Great customer service with quick claim processing turnaround time. Trupanion always keeps you advised of the process from receiving your claim to when the claim has been processed.

Great customer service with quick claim processing turnaround time. Trupanion always keeps you advised of the process from receiving your claim to when the claim has been processed.

Rory was being sick and having problems with his bowel movements, after numerous x-rays they did an exploritary surgery, which found a possible tumour. my claim from my regular vet took just 3 days and the check arrived within the week. A second vet that was used for overnight care have yet submit their part but im sure everything will go just as smoothly when they do. Turns out it wasnt a tumour it was acute pancreitus and was cleared with anitbiotics such a relief.

Rory was being sick and having problems with his bowel movements, after numerous x-rays they did an exploritary surgery, which found a possible tumour. my claim from my regular vet took just 3 days and the check arrived within the week. A second vet that was used for overnight care have yet submit their part but im sure everything will go just as smoothly when they do. Turns out it wasnt a tumour it was acute pancreitus and was cleared with anitbiotics such a relief.

I'm combining a few claim submissions into one review. Overall, I am very pleased with Embrace. My dog had post operative complications from her spay and was very critical when I brought her to the ER. She had to spend the weekend at the ER and we now dub her surgery as the most expensive spay in history. She has also had a couple minor issues with a tweaked back and a skin infection. All claims were addressed promptly with an acknowledgement e mail as well as inquiry to how our little princess is doing makes me feel like more than just a number.

Claim was processed quickly. Good telephone/customer service.

Claim was processed quickly. Good telephone/customer service.