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My initial phone call to Trupanion left me feeling much better in an otherwise very stressful situation; the Customer Care employee I spoke to was very understanding, patient, and helpful while I spoke to her sitting in the exam room of the ER with my puppy. My only complaint is because I had to bring my puppy to the ER less than 12 hours apart and the two visits were processed as separate claims so I am still trying to explain it is the same illness so I do not pay my deductible twice, but I have yet to be successful in that aspect.

I got pet insurance when we got our pug puppy. She has been insured for like 9 or so months and she just turned 1. She has seen the vet many times. Took a little while to diagnose her with Demodex. She has been treated for this problem for 7 months now. The first day we had her we took her to be checked out by our vet. She had yeast in her ears so they now find any dermatological condition pre existing based on that. And that is fine with me. I understand how insurance works. One of our claims got partially denied because they felt part of her problem was dermatological. We filed an appeal and they said no it's not dermatological its secondary infection to her Demodex. They are usually good at paying claims fast so I know when there is a problem. It stays pending for a week or so. I have to call embrace and they always say. "We are waiting for doctors notes" I always say I have them and I submit them since the specialist is slow to get back to them. Would a courtesy email hurt to keep a customer up to date. Especially since I had the documents they needed every time!!! Then I get the same determination partially covered. Partially not due to dermatologivsl condition. For literally the same problem, same tests, and same medication the appeals adjuster approved, and other claims have been approved. As a customer I can not request a redetermination. The provider has to write something. Today was literally the 4th time this has happened. It is very annoying that they are an insurance company. How can they not review previous claims for the same exact thing that were paid and previous appeals that overturned the same exact wording they are using. Needles to say I think they need a better system or way to review cases that have a chronic condition. This I find is very poor claim management on their part. Luckily the condition has finally almost cleared and hopefully will not have to deal with so many claims soon. To me there is no reason to cover and antibiotic and the first refill but not the second refill. I give them a low rating based on the poor management of processing claims for chronic conditions. Also they should notify customer when they need more info not just the doctor.

IF THERE WAS A HIGHER REVIEW THAN 10,EMBRACE WOULD RECEIVE IT FROM US!! THE KEY TO THEIR SUCCESS IS THEIR COMPASSION WHEN WORKING WITH PET OWNERS. THEY UNDERSTAND THE RELATIONSHIPS BETWEEN PETS AND THEIR OWNERS AND TREAT THEM AS FAMILY MEMBERS AND NOT JUST AS A NAME ON A POLICY. HOPE THEY NENER GROW SO BIG THEY LOSE SIGHT OF THIS!

I have 2 french bulldogs, need I say more! Kiwi has skin issues with severe allergies and requires weekly injection and Howard has had two cases of MAST cell cancer. I love knowing that I never have to second guess my decisions for treatment. This insurance is the best for coverage and reimbursement. I have the iPhone app and can submit my claim before leaving the parking lot. I get a quick response from one of the agents and they always start out by asking how are the dogs doing!!! I get followup emails checking on the wellbeing of my pets. I would and do recommend this insurance to anyone who asks.

Trupanion far surpassed my expectations. The staff are all very friendly, caring and helpful individuals that made a difficult time much easier to get through. Our interactions were not just about money, but the staff truly cared about what we were going through at the time. Thank you to all for their help and support.

Trupanion far surpassed my expectations. The staff are all very friendly, caring and helpful individuals that made a difficult time much easier to get through. Our interactions were not just about money, but the staff truly cared about what we were going through at the time. Thank you to all for their help and support.

After my other company's insurance policy lapsed, I decided to find a new company or else not get insurance anywhere as I was tired of every single claim being difficult to file and then always being an exception. Enter Healthy Paws. Their app makes it so easy to file a claim that I actually bother to do it, which is great because they also actually reimburse me for claims! The claim summary is really clear and their customer service responds quickly and politely if you have any follow up questions. My dog is a senior dog and when we renewed our policy after a year, they didn't kill me with rate increases either. Cannot recommend healthy paws enough!!

Prior claims were settled quickly. This clam was a filed in mid March, after numerous phone calls & faxeds, it was settled in mid June!

Recently, my 9 year old cat needed a distemper booster shot, and for the first time in his life, he had a bad reaction to it. He was back and forth to the vet for two weeks getting fluids and receiving treatment. We were so worried about him! Thank Heavens I didn't worry so much about the bills, and could focus on being sure he got the treatment he needed. His illness and the treatments and medications were covered! I would never have a pet without insurance ever.

My dog has been diagnosed with two serious illnesses in his short life. They are both conditions he will have forever. Trupanion Insurance has made it possible for me to give him the best medical care I can get for him and keep him healthy and happy.