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My dogs are 11 and 12. I've used VIP a long time, but since they've got older I'm not pleased with VIP. My female had a urinary infection that just could not get ride of. The test and meds were a total of $1300. I thought this was pretty straight forward, I have the best plan I could buy. They denied the claim said they needed more information! It's a urinary tract infection! I also filed one awhile back on my other dog with same response . I lost a dog to cancer last year and it cost me over $30 plus postage to mail all my records and when he died, the compassion was non existent. VIP you have changed!! What Happened ? I used to be so happy with you.

This is my second dog covered by Embrace Pet insurance. I have not had good luck with the health of my dogs, but Embrace is ridiculously good. I'm a 30 year veteran of the insurance industry so I read the contracts. This is the best contract as written. Clear and comprehensive coverage at what you are charged for care, not what they think it should cost. Service is ridiculous. They process claims within 2 weeks always and often within a few days and they email you to let you know they received, that they are processing it, that they sent payment and to check to make sure you received payment! People should be treated this well.

Sent the money in a timely fashion, faster than human insurance, would highly recommend this company, no hassles at all.

My little maltese poodle was in having his teeth cleaned when the vet noticed he had a tumor on the back of his tongue which I was shocked to hear but I knew he would be ok and that I could depend on getting reimbursed from the ASPCA insurance and I was so surprised they sent me the check so quickly. Also, my little Yorkie mixture twisted his back leg and broke a bone jumping off the couch the wrong way and had to have a cast put on for 8 weeks and quite a few follow up visits. I have been so happy that I made the decision to get insurance with ASPCA - like I said the are "The Best"

We have had 2 dogs (with no insurance - who lived to be 13, & 12 each having a couple of expense procedures/incidents during their lives,) prior to the current Dog & Cat, so we were skeptical how "pet insurance" would work or if the expense would be worth it. Then as luck would have it, 3 mo. after signing up for Healthy Paws Pet insurance, our 5 yr. old Basset experienced her fist UTI & then 2 wks later had an episode of eating steel chips which required a hospital stay, etc.... Needless to say we are now completely SOLD on Healthy Paws Pet Insurance. We will never again own a pet without signing them up from the initial vet. visit! I phoned customer service on our 1st claim and the young man told me exactly how to fill out the form and send in the doc. notes, prior vet history info, current bill & form even though it did not meet the deductible, ...it would go towards the annual deductible (just like human health care). Then unfortunately we had the steel chip accident (second claim) within a couple weeks of the 1st, and with our 80/20, 250 deductible, Healthy Paws processed our claim (one day after our faxed submission) and had a check sent within the week. I was truly amazed!With Healthy Paws Pet Insurance we received great Customer Care from real people who are truly caring pet owners themselves, Excellent Claims processing and e-mail communications as well as phone communications, and Quick Turnaround with payment. If there is an accident or illness/injury I MOST HIGHLY RECOMEND GETTING PET INSURANCE AND DEFFINTLY HEALTHY PAWS PET INSURANCE. They run their Insurance Business the way we all WISH Insurance would be handled! P.S. It was "Ruff" but Our Basset made a full recovery too!

DO NOT have any wellness/vaccinations/etc prior to renewal date. One claim per policy year or it is NOT covered. Diva was four days early and NO coverage for policy year. Loyal pet customer for ten years and no grace period. I am NOT a satisfied client even though I should have watched date!!!

One of our dogs has needed to use her insurance often for different reasons.Most recently though, she needed her meds refilled for her ongoing thyroid condition. As promised Trupanion reimbursed us for the medication at the rate of $90. My only concern is the rate increases that we are told are area wide. Once your dog becomes older you aren't really able to access reasonable rates.

One of our dogs has needed to use her insurance often for different reasons.Most recently though, she needed her meds refilled for her ongoing thyroid condition. As promised Trupanion reimbursed us for the medication at the rate of $90. My only concern is the rate increases that we are told are area wide. Once your dog becomes older you aren't really able to access reasonable rates.

Dog needed ACL surgery, Trupanion covered 90% of surgery and related expenses.....Claim was processed immediately and I received reimbursement check in about 1 week.....GREAT COMPANY and GREAT SERVICE!!!!

Dog needed ACL surgery, Trupanion covered 90% of surgery and related expenses.....Claim was processed immediately and I received reimbursement check in about 1 week.....GREAT COMPANY and GREAT SERVICE!!!!