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Below is the email I received about a premium increase for my dog who is about 1.5 years old and has been insured for just over a year now. They are increasing my monthly premium from $39.68 to $68.10 which is nearly double!! This is unbelievable!! I am now realizing how many other people they've done this too over at least the last couple of years using the same terminology to create a loophole from the original contract. Beware of Trupanion!! I wish I paid more attention to the negative reviews when first researching. Policy Number: XXXXXXXXXXXX 11/30/2011 Re: 1/9/2012 Premium Adjustment Dear Cecil Xxxxxxx, Thank you for being part of the Trupanion family and for being a responsible pet owner. We strongly believe in being a partner to help provide the best medical care for your pet. We cover diagnostic tests, surgeries, treatments and medications with no limits — no matter where your pet goes for care. As incredible advances in veterinary medicine continue, the cost of veterinary services also increases. Trupanion is different from other insurance companies. We do not use a complex benefits schedule or fixed payout limits when paying claims. Instead, we price our insurance to cover 90% of actual injury or illness costs — the best in the industry. Because of our outstanding coverage and the increase in medical costs, on occasion we must adjust our rates. As a result, a rate adjustment is planned for this year. Your new monthly premium and the

Below is the email I received about a premium increase for my dog who is about 1.5 years old and has been insured for just over a year now. They are increasing my monthly premium from $39.68 to $68.10 which is nearly double!! This is unbelievable!! I am now realizing how many other people they've done this too over at least the last couple of years using the same terminology to create a loophole from the original contract. Beware of Trupanion!! I wish I paid more attention to the negative reviews when first researching. Policy Number: XXXXXXXXXXXX 11/30/2011 Re: 1/9/2012 Premium Adjustment Dear Cecil Xxxxxxx, Thank you for being part of the Trupanion family and for being a responsible pet owner. We strongly believe in being a partner to help provide the best medical care for your pet. We cover diagnostic tests, surgeries, treatments and medications with no limits — no matter where your pet goes for care. As incredible advances in veterinary medicine continue, the cost of veterinary services also increases. Trupanion is different from other insurance companies. We do not use a complex benefits schedule or fixed payout limits when paying claims. Instead, we price our insurance to cover 90% of actual injury or illness costs — the best in the industry. Because of our outstanding coverage and the increase in medical costs, on occasion we must adjust our rates. As a result, a rate adjustment is planned for this year. Your new monthly premium and the

Like all of you out there I too am daddy to two of the sweetest long-haired chihauhaus that are beyond spoiled! My wife an I shopped for pet insurance and had a couple of terrible experiences until a friend recommended Embrace Pet Insurance. Our experience with them has been nothing short of superior in all aspects of cost, reimbursements, and follow up customer service. They are by no means cheap but I can tell you that the services they offer are worth every dollar we spend. They are fast, efficient, and "get it", meaning they understand and empathize with what we go through when our babies become ill or injured. I actually had a representative call me to see how my little girl - Mango - was making out post op from her shoulder fusion. As we speak, my big girl - Maggie - a.k.a Mootz - is under going a surgical procedure to remove infected anal glands and they reviewed the pre-authorization estimate and sent us an email detailing what the % of coverage would be. They condensed a 7-day process into a 24-hour turn around so we wouldn't suffer sticker shock with the bill! Embrace is just a down home folksy operation that is professional, well organized, quick to respond, and has the best interests of policy holders on the front burner. They are wonderful to deal with on the phone and go out of their way to accommodate policy holders. I'm the first one to send off a barn burner to whomever is willing to listen when I receive poor customer service from any organization. I

We are so please with how quickly you handled our recent claim for our dog Rocky. I most certainly would recommend Pets Best to everyone! Thank you for your wonderful service! janice Milano Sumter, SC

I have a 2 year old mixed breed dog that has had nothing but problems ever since her turned 2. I have had the option of taking great care of my wonderful dog because I am insured by the best pet insurance company ever. Thank you so much Trupanion for helping me...

I have a 2 year old mixed breed dog that has had nothing but problems ever since her turned 2. I have had the option of taking great care of my wonderful dog because I am insured by the best pet insurance company ever. Thank you so much Trupanion for helping me...

Luckily, so far we have not needed to use our regular health insurance plan. However, I purchased the additional Wellness plan for my puppy. I have used up all the money for her initial expenses like spaying and vaccinations and saved $100 dollars through the plan. Embrace reimbursed me without any problems after I submitted the claim. Communication was always prompt and professional. I had to call customer service once, because I was unclear on one of the claim e-mails. The representative explained my claim (there were some charges like a dental procedure that was not covered under the Wellness plan and the splitting up of the bill was a little confusing) and was very friendly in helping me understand. So far I have been very satisfied with Embrace. The only thing I wish was different is the total lifetime plan limit - it would be great if it was higher or unlimited like some other plans.

Our 1yr old curious coonhound was either bitten or stung in the early morning hours. After being seen by our vet, she was given numerous antibiotics not only for her swollen leg but also for an ear infection which the vet found. Our vet sent in the claim form and medical records on a Saturday and we promptly received an email on Sunday that the claim check was being processed. In the meantime we received emails from Healthy Paws asking how she was doing. The emails were not automated as they were personally addressed and addressed the specific ailments. A big thank you to Healthy Paws.

Wellness claim (puppy shots). Claim was submitted and addressed promptly and efficiently.

Our dog, Ranger, raided the pantry and got into a whole bag of chocolate chips. And he got really sick. We took him to pet emergency and they pulled him through. It was a few days of touch and go.The pet insurance saved us money and the claim was handled promptly. Glad we had it.