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I signed up my adopted 6 year old Jack Russell with Trupanion earlier this year and recently had a major claim due to an infection that required surgery. The Trupanion representative was easy to reach on the phone and was great in helping me obtain the required paperwork. Trupanion paid exactly what their advertising and contract promised and they provided a detailed explanation for each item in my claim. They processed the claim very quickly once I obtained and faxed them the necessary paperwork from my vet and the surgeon. There is a fairly high deductible and the policy doesn't cover preventive care but that's appropriate for a "major medical" policy. It provides exactly what I need to ensure that I won't have to deal with a huge medical bill for a major sickness or injury and the premiums are very reasonable compared to the cost of "full coverage" insurance I looked into. Overall, I'm very pleased with the policy and with the company.

Our quoted insurance premiums rose 200% within a year and a half. Insurance is purchased to provide cost certainty, however if your rate can increases three-fold ask yourself if you think its worth it. Truepanion indicated that the cost of pet healthcare rose substantially and our premiums rose accordingly. Trupanion could not provide any data to support this argument. Our orginal quote was for $43 month with no deductible. 18 months later it was $143...Their solution was to offer us a $1000 deductible. THIS IS NOT TERM INSURANCE WITH A FIXED PREMIUM. Premiums can rise at the convenience of Trupanion with no cap on increases.

My 5 year old dog Maggie had two fractured upper back teeth. The extractions had to occur under general anesthesia. This was very expensive for me. After Embrace reviewed my claim, the Explanation of Benefits showed that the only amount not covered was the 10 percent co-pay and the remaining balance Embrace fully covered. The medications, the lab tests, routine dental cleaning, peridontal treatment, xrays, the oral surgery and more. It was such a relief to receive the reimbursement because the final costs was pretty expensive for me. Having this really great pet insurance means that I don't have second thoughts about getting care for my dog. Embrace has also covered two previous smaller claims. The staff is helpful, concerned, friendly. They always make sure that I understand the process, re-assure me about when they will review the claim and how long to expect a response from them. One review took a little longer than usual, but Embrace was in contact with me to let me know this. I wasn't left hanging. I always highly recommend Embrace Pet Insurance to anyone when I have the opportunity because I have been so satisfied, and my Maggie receives the care she needs.

Interaction with this company is the easiest, most thorough thing! My vet sends the claim form and chart notes to Healthy Paws, right away I get an email from HP saying they had received it, then in less than a week I get an email saying it's been processed and a check is on the way. I've only had two claims so far but I'm so impressed that it's this easy, and of our recent $300 bill we only paid about $50 and it would have been less but we were still meeting our deductible. GREAT service, thanks Healthy Paws.

I decided to get on board right away with my new puppy, a toy fox terrier, after having owned 2 others, without insurance. So far they have been very patient with my questions as I can't always keep track. They are quick and efficient with reimbursement as well. I have seen many positive comments and came across one from a former veterinarian who moved from my area.Thanks

I've been very happy with the pet insurance, but find the claims procedure a bit slow. I would like to be able to claim online

I was skeptial about pet insurance. This is my first time, after much research I picked Embrace. Owning 4 dogs, expenses can add up. When we adopted the 2 youngest sisters as pups we decided to get pet insurance, our other 2 dogs are really too old. At the age of 1 1/2 yrs old Trixie developed hip dysplasia, she could not walk on her leg. She had surgery and they covered exactly what we thought. There was a billing mix up at our vets and they did not send in the correct bills. Embrace helped put with the problem and honored the contact. We are very pleased. Would definitely recommend.

They are claiming a condition pre-existed when I had insurance 2 months before my dog went into surgery for a "mole" to be removed. Then during surgery they VET found lumps. So, now I am not getting reimbursed due to Pet Best saying the condition preexisted. How am I supposed to know my dog has lumps when they were internal and not showing. I have paid Per Best almost over $150 for insurance and now I had to pay $1,200 for VET fees that will not be reimbursed now! What a horrible experience with this company. I am out a lot of money but I thought I was covered and safe.

I wanted to wait to write a review until I had a large claim which unfortunately happened sooner than later. My English Bulldog tore his CCL at just over a year old. At first the claim was denied due to the vet tech at the surgeon's office writing an inflated time frame for our dog's limping. But we got statements from our regular vet and the specialist and the claim was approved when we appealed it. The first time the claim was submitted I did not hear back in 15 business days and had to email to inquire but the appeal was processed much quicker. I did a lot of research when choosing pet insurance and I am confident I went with the best. But you have to know their rules and regulations. There is a 6 month orthopedic waiting period and if you have issues inside of that they are of course not going to cover it. I find they are always quick to respond to emails and always very nice. Having an English Bulldog pet insurance definitely gives me peace of mind.

I am so pleased with Trupanion. We have had a number of pets and have never purchased pet insurance. When we got our Anatolian Shepard puppy, our veterinarian suggested Trupanion. I was hesitant but thought it sounded like a good idea. Boy, I am so glad that we signed up. This dog has been sick more times than my other animals put together. The last vet bill would have just about bankrupted us, but Trupanion paid us quickly with no questions. Trupanion is so simple to use and they pay promptly. I couldn't be happier.