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When we got our Bernese Mountain dog pup I knew we would need insurance.I had insurance with another company in the past and they were fine, but I thought I would check to see if there was a better alternative. For me, that better alternative was Healthy Paws. The things that "made the sale" were; 1. an annual rather than a per incident deductible, 2. No lifetime maximum, and 3. reimbursement of up to 90%. Unfortunately with a six month old dog we have already had to submit claims. The first problem was a stubborn eye infection, which we ended up seeing an ophthalmologist for. More recently, he developed neck pain. We took him to an emergency vet for xrays and lab and started meds. Unfortunately this did not help and he was seen on an emergency basis by a neurologist Christmas eve (Saturday). He had an MRI,spinal tap, multiple lab tests, and was kept overnight in the hospital as he was diagnosed with immune mediated meningitis. He had a follow up visit on Monday and a few additional lab tests. Because of the holiday weekend, I faxed the claims for both visits Monday at around noon. By the close of business Monday I had an email that told me my claim was being processed. By Tuesday morning (less than 24 hours)I had an email with a copy of the remittance advice. The checks arrived the next day. This meningitis adventure was just north of $3800. I chose the 90% reimbursement level, so after subtracting the exam fees which were $350, I got checks totaling just over $3200. No ques

Total freak accident when my Husky slipped and fell on the tile floor tearing his cruciate ligament and damaging his meniscus. Trupanion took care of everything so I could focus on caring for my furry family member's recovery. They worked directly with the hospital to process the claims and payments were made within a couple of days. Even with the Christmas holiday, I received my check in less than a week. They communicated with me throughout every step of the process so that I was always well informed of where my claim was in the approval & payment process. I also received some follow-up calls from customer service just to see how my pet and I were doing. Trupanion's staff truly cares about their clients and they provide some of the best customer service ever. In addition, their premiums are lower than the previous insurance I had for my pet, the premium doesn't increase as my pet ages, there's no maximum payout amount and they cover 90% of the claim after your deductible is met. The total vet bill for TPLO surgery & rehab ended up being over $6,000. I have never been more grateful for pet insurance. Thanks Trupanion!!

Total freak accident when my Husky slipped and fell on the tile floor tearing his cruciate ligament and damaging his meniscus. Trupanion took care of everything so I could focus on caring for my furry family member's recovery. They worked directly with the hospital to process the claims and payments were made within a couple of days. Even with the Christmas holiday, I received my check in less than a week. They communicated with me throughout every step of the process so that I was always well informed of where my claim was in the approval & payment process. I also received some follow-up calls from customer service just to see how my pet and I were doing. Trupanion's staff truly cares about their clients and they provide some of the best customer service ever. In addition, their premiums are lower than the previous insurance I had for my pet, the premium doesn't increase as my pet ages, there's no maximum payout amount and they cover 90% of the claim after your deductible is met. The total vet bill for TPLO surgery & rehab ended up being over $6,000. I have never been more grateful for pet insurance. Thanks Trupanion!!

We are so glad we have Trupanion insurance. Dash's care has been very costly, & this coverage helps greatly.

We are so glad we have Trupanion insurance. Dash's care has been very costly, & this coverage helps greatly.

I have had Embrace almost since we got our cat. I looked into other providers and the reviews were very mixed, if not downright bad. I wanted to be sure I wouldn't be spending money for a plan only to have the provider deny a claim for arbitrary reasons, which seemed to be the case for many of the other companies that I read about here. I happened upon Embrace and after reading pages of people praising their professionalism, speed of claims processing and high levels of customer service, I decided to go with Embrace. They are also part of Lloyd's of London and I was impressed by that. It was the BEST decision I have made regarding our cat. The first time I used them about two years ago, it was determined the upper respiratory infection she had was there when we purchased her, which we feel was accurate. Because of this, they denied the claim we made on that. They told me why and were sorry that they couldn't pay out on that claim. I was perturbed but it was completely legitimate denial of the claim because it was a pre-existing condition. I understood and went some time without a major claim. Recently, I found out my cat, who is only three at this point, was experiencing chronic renal disease, as if she was a cat three times her age. Well, after everything was said and done, I sent off the necessary forms that were given to me by the vet's office and they processed them and paid me 80% of the nearly $1,000 claim. That's what was expected and outlined in my policy.

trupanion is prompt, clear, efficient, and friendly. i wish my human insurance were so good.

trupanion is prompt, clear, efficient, and friendly. i wish my human insurance were so good.

Service through Trupanion is good, and efficient. Reimbursements arrive in a timely manner.However, I strongly believe that specialist consults should be covered by the Insurer. I understand general consults at your regular vet wouldn't be, but specialist consult fees are difficult for an owner to absorb the costs, and makes an owner consider not taking their pet for the necessary vet care they need, in such a case, because each time they have to find the money not just for the treatment, but the consult as well. Which may I add, is almost double a regular vet consult.

Service through Trupanion is good, and efficient. Reimbursements arrive in a timely manner.However, I strongly believe that specialist consults should be covered by the Insurer. I understand general consults at your regular vet wouldn't be, but specialist consult fees are difficult for an owner to absorb the costs, and makes an owner consider not taking their pet for the necessary vet care they need, in such a case, because each time they have to find the money not just for the treatment, but the consult as well. Which may I add, is almost double a regular vet consult.