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Pet owner friends of mine recommended that I purchase ASPCA pet insurance on the same day I purchased my puppy. He seemed perfectly healthy, but of course unforeseen accidents occur - puppies eat plants they shouldn't , and many times over the 4 1/2 years I've had him, I've been grateful for the coverage.

I had judged Trupanion in hast - Initially an ear infection was denied, but within 1 phone call it was resolved and they have agreed to cover the claim. Trupanion has always been very efficent and honest with me thus far. I regret losing my cool on the first claim they denied. However, they resolved the issue imediately. I can hoenstly say that I would recommend Trupanion to anyone with a cat or dog.

I had judged Trupanion in hast - Initially an ear infection was denied, but within 1 phone call it was resolved and they have agreed to cover the claim. Trupanion has always been very efficent and honest with me thus far. I regret losing my cool on the first claim they denied. However, they resolved the issue imediately. I can hoenstly say that I would recommend Trupanion to anyone with a cat or dog.

I was grateful that I had an Embrace policy for our little rescued Boston terrier. She was diagnosed with a tumor near her ear drum and after surgery, suffered a life-threatening artery rupture requiring a stay in the veterinary hospital. I submitted my claims and Embrace immediately responded and sent a reimbursement check. Very impressive. They continued to follow up to make sure I had received the check and to inquire about the continuing recovery of my little friend.

Buffy, our shih tzu, was about three when we adopted her from her foster home. Within two months she required surgery to remove bladder stones and a corroded quarter swallowed sometime in her youth. We immediately decided we needed pet insurance! and are so thankful we chose to get it from ASPCA Pet Insurance. She has since needed life-saving surgery for a "telescoping intestine" and later treatment at Pet Emergency for a severe ear infection. We received fair and speedy reimbursement on each occasion after submitting our claim form. It's a relief to know that help is there if and when we need it for our beloved pet.

I would just like people to know that when a policy renews, if the animal (in this case my cat) has had a problem in the prior policy year, it will be considered a pre-existing condition for the next policy year. My cat started to get sick in November 2010. An ER visit and several vet visits to try and find out what was wrong were reimbursed to the extent of the policy. However, wasn't until mid Dec they finally found the issue - a brain tumor. Unfortunately, my policy renewed on Dec 1, so the biggest expenses - the cardiopulmonary ultrasound, the CT scan, anesthesia, overnight hospital stay, etc. were not covered since it related to her prior condition in November. So watch when your animal gets sick and when your policy renews. Timing is everything and it certainly was in my case.

I have paid my policy on time every month for nearly 2 years. I have never had to use their insurance, until recently my Chow Mix had an ear infection. Keep in mind, I have NEVER placed a claim on my pet. I sent in my claim for his ear infection. It took 2 weeks to review my claim with a result ending in NO COVERAGE?! I am so confused, why wouldn't an ear infection be covered? I understand they don't cover the exam, but what about the treatment? So basically I have had a policy that I have never used and when I attempted to use it, they won't cover something as simple as an ear infection.

Customer service was excellent. I received prompt responses.I have two dogs and visits to the vet can be quite expensive.Embrace has provided me with peace of mind.Thanks, Rhea, for recommending Embrace.

My dog has a recurring ear infection for which we've repeatedly seen a vet. I knew that medications weren't covered by my particular policy, but I did not realize that that includes not only prescriptions but all shots and drugs given at the vet's office. Basically, the only things reimbursed are the actual visits and procedures. Other than that, service is excellent: I get emails to acknowledge receipt of my claims, and reimbursements are given quickly and without a fuss.

In November, we rescued our first puppy, Katie. She is a beautiful beagle-mix, so sweet, and healthy (so we thought.) I am NOT a fan of insurance, but ourvet recommended Trupanion and they were offering a 30-day free trial, so we signed up. Just at the end of the trial period, Katie developed cherry eye, and we continued with the insurance to see how it would work. It has been four months now, and Trupanion has been a "true financial companion" for us. Within a few days of submitting a claim, we receive an email letting us know they received it, then an email that it's been approved, and then a check in the mail a week later. We (unfortunately) have had several claims in the last 3 months, and Trupanion has been efficient and responsive. Having a sick puppy is stressful enough. Knowing that 90% of the health bills are being covered helps alleviate some of that stress. THANK YOU!