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I've had Trupanion for just over a year, and I received an email today saying that my premium was going to DOUBLE! I've never submitted a claim and am signed up for automatic deductions so I've never missed/been late with a payment. Their stated excuse is "Advancements in veterinary medicine continue to improve the quality and lengthen the life of our pets. As cutting-edge technologies and techniques become the standard of care, Trupanion is committed to making these new options available to our policyholders. As a result, a rate adjustment is planned." Whether or not it's just a coincidence that I've only been a member for a year or if they increase your rates after a year, I'm not the least bit happy about this. I would think that if their stated reason was the true reason for the increase that there would be a more gradual increase than the one I got. Needless to say, I don't trust them and think others should beware.

We adopted our Dachsund mixed puppy from the animal shelter when he was only 4-months old. Knowing he was a stray with no history or background, we were concerned with what medical conditions would accompany him. First week we had him, he came down with "kennel cough." Then the next month, a rash, followed by Coccidia, Pancreatitis and Giardia within the first six months of adopting him. We live in Orange County, CA and we searched for a vet that fell within the acceptable range of costs that ASPCA covered. Still have not found one that comes close. However, the claims we've submitted have been covering about 60-70% of the cost, which is better than nothing as we have spent well over the cost to have the insurance and then some. So we definitely don't regret getting pet insurance, and the deductible is $100 annually. I would have to agree with another reviewer about the pre-existing conditions and renewal of the insurance resetting the clock.

I am extremely pleased with the excellent and efficient response. Excellent reimbursment. I have clearly chosen the best insurance plan and company.

After extensive research for pet insurance we chose Healthy Paws for our 2 terriers. What an excellent choice it turned out to be. About 3 months later, Digger, our 11 yr old Border Terrier tore his ACL playing with his sister, and needed surgery. We travelled out of town for specialty surgery and were reimbursed 80% five days later. We've had 3 kind phonecalls from Healthy Paws just to see how Digger's doing. I am recommending Healthy Paws to all my friends who are pet parents.

Prior to adopting Tony, I had my girl Sasha. In the last two years of her life my husband and I spent a large amount of money for various tests and an operation to remove a slipped disc in her back which was a successful operation. About two year after that operation, she developed several more problems including a tumor, and possibly another disc problem. Due to her age and the recommendation of our vet we finally had to let Sasha go. Knowing I had done everything possible to save her life helped me accept what had to be done for her. I was fortunate that I could provide the care that she needed to the end of her life. When we adopted Tony, I was fully aware of the costs that a pet owner could incur so I elected to obtain pet insurance for Tony and I have been very much satisfied with the results from Trupanion and how they process the claims I have submitted for Tony so far. The insurance provides peace of mind should Tony develop any severe problems in the future.

Prior to adopting Tony, I had my girl Sasha. In the last two years of her life my husband and I spent a large amount of money for various tests and an operation to remove a slipped disc in her back which was a successful operation. About two year after that operation, she developed several more problems including a tumor, and possibly another disc problem. Due to her age and the recommendation of our vet we finally had to let Sasha go. Knowing I had done everything possible to save her life helped me accept what had to be done for her. I was fortunate that I could provide the care that she needed to the end of her life. When we adopted Tony, I was fully aware of the costs that a pet owner could incur so I elected to obtain pet insurance for Tony and I have been very much satisfied with the results from Trupanion and how they process the claims I have submitted for Tony so far. The insurance provides peace of mind should Tony develop any severe problems in the future.

keep up the excellant work

ASPCA pet insurance provides security for my pets. Although the plan requires to pay the bill up front, the customer receives reimbursement within a reasonable amount of time. My husband and I have never had a problem submitting a claim and the money we get back after required deductions is well worth the monthly payments. We would suggest pet insurance for anyone that owns an animal because accidents happen all the time and sometimes you may not be financially prepared to handle the expensive fees.

My dog had lumps and skin problems that required surgery.Embrace were really quick to refund most of the money. That one incident covered my policy costs for the year. Thanks !

When we decided to get pet insurance on our 2 Weimaraners ages (now) 8 & 10, we had no idea how much we would be using it. Our 10 year old has been tested, re-tested and prescribes medications for cushings disease. This is not something curable, but can be managed through medication and constant moniter with the vet. Needless to say, this insurance has been a money saver. We had already covered various problems with the 8 year old. Thank goodness we took the "long-Term care" that caries over year to year.