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I have repeatedly attempted to ask the call center reps about exactly what it is that they will not cover since I live on a very very limited budget and I need to know what will and wont be covered BEFORE I submit to all the vet's requests on precedures he feels he MUST do...the vets need our money, or rather want it , one or the other or both so they tend to toss in things that arent particularly necessary especially when you say you have vet insurance. They pad up the bill with non-necessities and you come out with a huge bill that you think Trupanion is going to cover, in my case, 90 percent of it. Then you find out when you call that they for some reason are NOT covering the stated 90 percent that they said they would cover since certain procedures and little things on the bill are simply not covered out of the blue... SORRY, WE DONT COVER THAT....I have tried to ask for specifics on this and it falls on deaf ears to the call center reps who seem not to have the time to go over exactly what is and isnt covered....my cat had a parasitic infection which caused him to fall ill and trupanion turned around and said we dont cover the cost to get rid of parasites... you know ... the ones that caused my cat to become very ill but they say if you pay your insurance they will pay 90 percent of all costs incurred to make sure you cat overcomes his illness... uh huh....money money scam scam... look out folks because Trupanion has apparently one of the higher ratings and this is how t

Not reading my policies (we have 5 dogs covered with Embrace), I recently submitted a huge bill for our oldest going back almost a year for five surgeries and alot of rehabilitative therapy (about $15,000 worth). While I was very nicely informed that I should submit claims within 60 days of incurring the costs (I'm sorry! I'll do that in the future), Embrace very quickly reviewed the expenses and reimbursed $5,000, the maximum on the accident policy for this dog. While I had hoped for more, this is exactly what was allowed (again, I had neglected to read the policy), and it was paid promptly with no hassle. And it came with personal notes from two Embrace employees, asking how my dog was doing, expressing genuine concern. I doubt any other pet insurance company could do as much as Embrace does!!!

My 1yr old dog had diarrhea that just wouldn't go away so I took him into the vet. They gave fluids, did a fecal exam and prescribed meds. Total claim submitted was $203. They wanted every document under the sun on my pet. Every time I tried to explain that he was only 1 and this was his first illness so he doesn't have much of a file they insisted on more paperwork. As I hadn't settled on one particular vet and had taken him various plays for shots, heartworm meds etc. they asked for the contact info of every Vet he had seen so they could reach out to them. And after providing that info to someone over the phone and seeing nothing happen for over a week I send an email only to hear that she doesn't have any record of a call! So I fax in the receipts/records etc, a few more days go by and finally I get an email saying they are going to cover $56. I should probably add here that up to this point I've paid $900 in premiums. Then I realize that they didn't process the invoice for the Fecal exam. (the vet had put it on a separate invoice the next day because they couldn't get much of a sample on the first day). So I call in AND I send an email to be sure. Rep on the phone says she clearly sees the invoice as they received it on the very first day when I sent it the bills. Nothing happens. Days go by until I send another email stating how unhappy I am. I then get a response telling me they are going to reimburse me for $37 for the fecal exam. At the end of this, I

My 1yr old dog had diarrhea that just wouldn't go away so I took him into the vet. They gave fluids, did a fecal exam and prescribed meds. Total claim submitted was $203. They wanted every document under the sun on my pet. Every time I tried to explain that he was only 1 and this was his first illness so he doesn't have much of a file they insisted on more paperwork. As I hadn't settled on one particular vet and had taken him various plays for shots, heartworm meds etc. they asked for the contact info of every Vet he had seen so they could reach out to them. And after providing that info to someone over the phone and seeing nothing happen for over a week I send an email only to hear that she doesn't have any record of a call! So I fax in the receipts/records etc, a few more days go by and finally I get an email saying they are going to cover $56. I should probably add here that up to this point I've paid $900 in premiums. Then I realize that they didn't process the invoice for the Fecal exam. (the vet had put it on a separate invoice the next day because they couldn't get much of a sample on the first day). So I call in AND I send an email to be sure. Rep on the phone says she clearly sees the invoice as they received it on the very first day when I sent it the bills. Nothing happens. Days go by until I send another email stating how unhappy I am. I then get a response telling me they are going to reimburse me for $37 for the fecal exam. At the end of this, I

In general the process of the claim if very easy to follow with Trupanion. The only part of the process that it's somewhat inneficient it's the response time from the clinic to get the medical records to Trupanion. Not sure if it's a lack of follow up from Trupanion or a lack of response from the Clinic since I need to be checking on both sides. Once Trupanion gets the information, the process is very efficient. I'm happy with the service but I'd be happier if the time of the claim is reduced by improving the process of getting the medical records in a shorter time (It took more than 1 week this time).

In general the process of the claim if very easy to follow with Trupanion. The only part of the process that it's somewhat inneficient it's the response time from the clinic to get the medical records to Trupanion. Not sure if it's a lack of follow up from Trupanion or a lack of response from the Clinic since I need to be checking on both sides. Once Trupanion gets the information, the process is very efficient. I'm happy with the service but I'd be happier if the time of the claim is reduced by improving the process of getting the medical records in a shorter time (It took more than 1 week this time).

YOUR COMPANY DOES EXACTLY WHAT THE NAME IS ALL ABOUT. IT EMBRACES YOU WITH LISTENING TO THE CUSTOMERS BY TREATING EACH ONE WITH THE CARING, COMPASIONATE, AND UNDERSTANDING THAT WE NEED. I AM 67 AND RECENTLY SENT IN MY LITTLE GIRL'S MEDICAL BILLS THAT I HAD NOT TAKEN CARE OF FOR SOME TIME BECAUSE I WAS GOING THROUGH BREAST CANCER TREATMENT. THE GIRLS I SPOKE TO ABOUT IT ADVISED ME AND WERE VERY HELPFUL AND SUPPORTIVE TO ME. I CAN'T BEGIN TO TELL YOU HOW THANKFUL I TRULY AM AND HOW MUCH I APPRECIATED THEIR HELP. I WILL BE MORE THAN HAPPY TO TELL EVERYONE ABOUT HOW WONDERFUL YOUR COMPANY IS AND THE FANTASTIC CUSTOMER SERVICE I HAVE RECEIVED EACH TIME I SPEAK WITH YOU. THANK YOU AND GOD BLESS YOU ALL!!!!!! MORE THAN SATISFIED.......HELEN

My almost two year old Coton de Tulear puppy is a very healthy breed and I want to make sure she stays healthy so the Wellness Program is perfect for me. Because of this program, I am able to afford all of her required shots and preventive treatments such as heartworm, flea and tick prevention meds. It works like a "health savings account".My pup is healthy, happy, and always gets the best of care. The forms are easy to file by my vet and the reimbursements are quick usually within 2 weeks. My pup did have one clain when she developed a limp due to a pulled muscle. It was handled quickly and of course will apply to the deductible which was in the amount that I chose. You can basically design your own policy, which is great since everyone's needs and bugets are different.

I bought pet insurance when I bought my Beagle puppy Reese's. I already had a cat, Jango, but did not invest in insurance with him. I wish I had insurance with Jango as he was diagnosed with asthma two years after I got him. I learned from that mistake and got insurance. I recently discovered a spot on Reese's ear that was bleeding and another spot on one of her paws. It turned out to be a benign cyst. I wasn't sure if this was covered by my insurance. I submitted a claim and received an email that I would be receiving a refund. I wasn't anticipating a refund, but it was nice to see the check when it arrived. I always though pet insurance was unnecessary, but I definitely realize just how important it is.

We've had dogs for 20 years without pet insurance, but after our last dog was put down and had severe medical issues (cha-ching!!)I realized insurance would have been a good thing.When we adopted Tory, a rescue dog, I started researching pet insurance companies. After a LOT of on-line research, I was most impressed with Healthy Paws coverage, and their customer reviews were amazing. I went with Healthy Paws as they seemed to be the only insurance company that truly cared about the animals. I joined in 5/2011 and only 2 months later she was bit by another dog. I didn't get around to filing the claim until 1/2012, but after faxing the claim form, within hours they responded to let me know my claim was received, which also included a heart-felt note from one of their reps that they were sorry to hear what had happened to her and hoped she had a quick recovery and is feeling back to normal. It wasn't long after that that I received another email to advise what was covered and the check would be mailed shortly (I went with the 90% reimbursement with $50 deductable plan!). All I can say is WOW! If only my own insurance company cared as much about my condition and were as efficient as Healthy Paws!!! You can shop around and compare for yourself but, take my word for it, you can save yourself a lot of time and trouble and simply go with Healthy Paws and decide which of their plans you want to go for! I was so impressed with their service I emailed them to give them kudos and re