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Hi everyone, I just wanted to share my experience with you. I have an 11.5 month old puppy. We took our baby to the vet for a checkup the very first day we received him at 3 months. Our vet indicated mild crepitus. We took him back to the vet at 7 month for his ortho-wavier where the vet indicated that there are no orthopedic issues, no stiffness or lameness etc. At 11 months, our puppy started limping. We took him into the vet's office where he was diagnosis with elbow dysplasia. As parents, we rushed him into surgery the following business day. We notified Embrace of the situation. They indicated that they would not provide coverage or reimburse any claims related to his elbow dysplasia indicating that this is a pre-existing condition based on mild crepitus. We have asked for scientific evidence that mild crepitus is related to elbow dysplasia. They have not been able to do so. In addition, our vet wrote a letter indicating that the two are NOT related and that the mild crepitus was due to the fact that he is a large breed puppy with bones that were still growing. We also had another vet who performed the surgery contact Embrace and also advise them that these two conditions are not related!!! Despite the fact that these two vets are unrelated and that both advised Embrace that mild crepitus does NOT equal and is NOT a precondition to elbow dysplasia, we still received an email from Embrace’s CEO stating "Under the Terms and Conditions of your policy (see

Our experience with Trupanion has been amazing. My beloved 2-year old black lab, Ruger, was admitted to the hospital with pneumonia. After further exam, the vet found a large mass in his abdominal cavity. Ruger needed immediate surgery, which lasted 2.5 hrs. The vet found 3 different fox tails that had made their way through Ruger's esophagus and into his abdominal cavity. He also had part of a lung removed. Fox tails are HORRIBLE!!! And, with a hunting dog, how do you avoid them?? 3 weeks after surgery Ruger started to have complications, and 5 weeks from surgery there was nothing more that the vets at our hospital could do for him. We had to say goodbye to Ruger. I want to thak Trupanion for giving Ruger that extra month to be with us and to give him a fighting chance. Otherwise, we would never have been able to afford the hospital bills,, which, by the way, have totaled over $15,000!! Thank you Trupanion for all you did. And, we now have a new black lab make puppy that is Ruger's brother, and yes, he too will be insured by Trupanion!

Our experience with Trupanion has been amazing. My beloved 2-year old black lab, Ruger, was admitted to the hospital with pneumonia. After further exam, the vet found a large mass in his abdominal cavity. Ruger needed immediate surgery, which lasted 2.5 hrs. The vet found 3 different fox tails that had made their way through Ruger's esophagus and into his abdominal cavity. He also had part of a lung removed. Fox tails are HORRIBLE!!! And, with a hunting dog, how do you avoid them?? 3 weeks after surgery Ruger started to have complications, and 5 weeks from surgery there was nothing more that the vets at our hospital could do for him. We had to say goodbye to Ruger. I want to thak Trupanion for giving Ruger that extra month to be with us and to give him a fighting chance. Otherwise, we would never have been able to afford the hospital bills,, which, by the way, have totaled over $15,000!! Thank you Trupanion for all you did. And, we now have a new black lab make puppy that is Ruger's brother, and yes, he too will be insured by Trupanion!

I have had no problems with ASPCA dog insurance. They do exactly what they say and in turn my dog gets the medical treatments she deserves. Thank You ASPCA

My dog got a fox tail stuck in his nose. Within a week my claim had been approved and I got my money direct deposited into my bank account. What's great about this insurance is the on going care they cover after an accident. Everyone I spoke to at Pets Best has been very nice and helpful.

We had two claims for our dog. Both were addressed, processed and completed within a week we had the check in our mailbox. These people are EXEMPLARY. My personal health insurance people could learn much from Trupanion

We had two claims for our dog. Both were addressed, processed and completed within a week we had the check in our mailbox. These people are EXEMPLARY. My personal health insurance people could learn much from Trupanion

I paid for this insurance for 6 months and cancelled today. They interpret their pre-existing conditions clause very strictly. If your pet gets the same illness, ASPCA won't pay anything until after 180 days have passed since the illness was treated. I don't see the point of a pre-existing clause at all. Our government is about to get rid of pre-existing clauses for humans so why should this apply to our pets? Another kicker is the $100 annual deductible. It took them 2 months to process my claim because they were requesting information from the vet. I waited 2 months and they didn't help pay anything due to pre-existing conditions. Overall, I wouldn't recommend this insurance to anyone. It's just a waste of money and a lot of stress.

They always handle the claims in a reasonable amount of time and clearly show what is covered and not covered in your EOB after the claim is processed. The only problem i have is that they never have covered over 50% of the vet bills. I would recommend the coverage overall.

Our pet has been insured with Trupanion since we moved to the USA 6 months ago. We did some research and decided that it was a good option. Today we know that it was the best option because we received an excellent service after our Yorki swallowed something and got intoxicated.After submitting the claims, we started receiving e-Mail confirmations with the status and they contacted directly our vet to get the medical records. We received the reimbursment in lees than two weeks. I received my reimbursment checo in less than two weeks.