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Trupanion has always paid my claims in a timely manner & have yet to decline anything that I have submitted. By far the best pet insurance company that I have worked with, & as a veterinary practice manager I have worked with many. I highly recommend them!

My dogs yearly claims for her immune condition. My dog was diagnosed with a rare immune disease in 2010. Less than 1% of all dogs have this condition. Fortunately, when I adopted her from the dog shelter in 2008, I got her Embrace policy. I turned in $3000 worth of claims in 2010 which were promptly paid by Embrace once they had her doctors records. She must go in yearly for rechecks which cost around $400. However, this year she also had some minor illnesses of diarrhea a couple of times and ear infections. I kept all of my bills for her (over $1000) and turned them in on Monday and they were paid on Friday.

I had a one year old dog with zero pre existing conditions. She was playing in my fenced in back yard and that night couldn't jump on the couch. I took her to the emergency where they did x-rays, and told me to see an orthopedic specialist. I did and they diagnosed her with bilateral torn ACL's. They told me not to worry that it obviously isn't pre existing based on the x-ray report, and their exam. First, they accused me of insurance fraud because this accident happened in my first 30 days. Then they took so long giving approval/payment for the first trip to ER that I went ahead and did the surgery. After 6 weeks of the initial visit they approved that. Then, they declined her injury based on the x-rays 6 weeks later on her post surgery. So yes, six weeks later it is pre existing. Lets try looking at the x-ray report the day we went to the emergency when it happened. That is not pre existing, and they admitted to me they never got the report. So they didn't even get all their paperwork in 6 weeks time, but it doesn't matter they just needed some excuse the deny the claim because it was too much money for someone who just applied to their insurance. Hopefully, no one else's pets will have an accident when you first get insured!

I researched 12 companies before deciding on Embrace for our English Bulldog Puppy -Tugger. We are completely thrilled with out choice so far and really appreciate the courteous and quick service we have recieved. Plus, the coverage for our boy to have great medical care, to me there was no comparison from all I researched. We are very happy Embracers!

My previous dog had numerous health issues so when I got a new dog I took out medical insurance,Trupanion was a good choice! My new havanese puppy "Muffin" lost her tear production after a year old,Muffin is doing good now but will be on medications the rest of her life that are epensive.I have 90 percent coverage of her meds that Trupanion pays qickly! Also Muffin got a severe skin infection that her regular Vet could not treat.Muffin needed a specialist and a 950.00 surgery to biopsy her lesions and test for cancer!Thank goodness they were benign and now she is recovering on new meds! Trupanion paid 90 percent of her bills in just a week! Very helpful and nice people to do business with!

My previous dog had numerous health issues so when I got a new dog I took out medical insurance,Trupanion was a good choice! My new havanese puppy "Muffin" lost her tear production after a year old,Muffin is doing good now but will be on medications the rest of her life that are epensive.I have 90 percent coverage of her meds that Trupanion pays qickly! Also Muffin got a severe skin infection that her regular Vet could not treat.Muffin needed a specialist and a 950.00 surgery to biopsy her lesions and test for cancer!Thank goodness they were benign and now she is recovering on new meds! Trupanion paid 90 percent of her bills in just a week! Very helpful and nice people to do business with!

When we rescued our little blind pit mix Gonzo ( which happens to be our first dog ) we knew we wanted to make sure he was covered as Vet expenses can be costly. We have had to make a few claims so far and the customer service has been great! Making a claim is easy and I couldn't ask for anything more from a company. I swear he has better insurance than we do!!!! Thanks again Healthy paws for everything!!

My one year old dog was denied Acl surgery. They didnt even have all the documents in front of them before they denied her. Calling it a pre existing condition. 2 board certified specialist looked at my dog in person and reviewed her radiographs and said this accident just happened. when i called asking why she was declined before her radiograph report was even looked at, i was insulted and called a bad pet owner because i didnt witness the accident, in my fenced in yard. They cant be convinced it happened. I had 2 veterinarians calling them telling them this was not a pre existing condition. Plus 2 surgeons but it still didnt matter. Once again, denied before having the original radiograph report says it all.

I take my 2 dogs to the vet each year. The Wellness bucks really help take the sting out of the bill. My claim is handled so fast. Check is here before I know it. And, the best part is knowing that if one of my babies gets ill, they have pet insurance to cover their illness. I take a higher deduct and higher coinsurance so my premium is really quite low for the insurance with all the discounts. I've only used Wellness Bucks and hope that's all I ever need.

I have VPI on one dog and Embrace for the other. Embrace pays at least 3x faster.I am very happy with the attention my claims have received and feel my reimburesment was very fair.