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Our dog Mac (18 mo. Valley Bulldog [Bulldog/Boxer]) ruptured his ACL. After our intial vet visit, follow-up xrays, then referral to a specialist for consult and surgery, our boy managed to rack up over $4000 in medical bills. Coverage has been excellent, and I am comfortable calling trupanion to discuss my coverage. Unlike my car insurance where I'm afraid to even call them for risk of my rates going up. Vet consultations are not ever covered, which is clear from the beginning, and it is fair that the low rates don't relect the expense of going to get second or specialist opinions. The surgery itself was pre-approved. We picked our boy up on Wednesday, I had a cheque in my hand the following Monday. It took longer for the bank to process my cheque than it took trupanion to issue it!

Our dog Mac (18 mo. Valley Bulldog [Bulldog/Boxer]) ruptured his ACL. After our intial vet visit, follow-up xrays, then referral to a specialist for consult and surgery, our boy managed to rack up over $4000 in medical bills. Coverage has been excellent, and I am comfortable calling trupanion to discuss my coverage. Unlike my car insurance where I'm afraid to even call them for risk of my rates going up. Vet consultations are not ever covered, which is clear from the beginning, and it is fair that the low rates don't relect the expense of going to get second or specialist opinions. The surgery itself was pre-approved. We picked our boy up on Wednesday, I had a cheque in my hand the following Monday. It took longer for the bank to process my cheque than it took trupanion to issue it!

We've only ever had two pet insurance plans, the first one for over 10 years with our beloved pooch who passed in 2009. Then we adopted a rescue in 2010 and I started researching insurances like crazy trying to find the best fit...I initially chose Healthy Paws because of their believe and backing with rescues, but now after filing two claims I've realized how absolutely amazing they are and will never look for another insurance again. You know how you wait around to see if your insurance company has even gotten your claim? Well, Healthy Paws replies within 48 hours that they have received it and that it's in process. Then another 1-5 days later you receive a very nice email with a PDF of the breakdown of how they are handling the situation. So, stop looking and comparing...the bus stops right at Healthy Paws and you won't need a return bus ride anywhere!

This is the worst insurance, very expensive, very unorganized provider. My experience has been one disappointment after another. They have very many "fine print" exclusions. They represented one thing, clearly delivered another (denied claims). After actually having to utilize this insurance with claims lost by the AKC, rude customer service, denied claims for coverage I thought I had, I cancelled with them and now I have credible coverage with a provider who does not have the "Gimmicks" the AKC does. Good thing I did this since my puppy has dysplasia, the AKC would have never paid for it. My new provider thankfully does and let me tell you I am well over $5,000 in expense. So WATCH OUT for the $5,000 maximum with this provider. Now my pups are in good hands with insurance since the AKC is no longer provides insurance with them. READ, READ and READ again the fine print. Don't fall for the name as I had, because you know what -- the joke was on me.

The process was quite easy and I am satisfied.

The process was quite easy and I am satisfied.

I am going into my 2nd year with an ASPCA policy after switching from another carrier. This is the first year that I have accessed the policy for anything beyond routine exams and I have to say that I am disappointed. The policy and website indicate that the company reimburses claims based on the actual bill as opposed to set fees. However, the company uses "customary fees that are set geographically" which truly amounts to set fees that are based on where you live and have nothing to do with your actual bill. They then pay 80% of their "customary fee" which further minimizes the customer's reimbursment. In addition to receiving a reimbursment that was pennies on the dollar, the premiums for my plan increased by about 20% without notice! Needless to say, we are looking for new pet insurance.

We have used Embrace for several years and now have our third dog enrolled. Our first dog Tater, a sweet and big hearted chocolate lab, recently passed away at the age of 2. In the short time of 2 weeks he succumbed to a rare auto-immune disease which no medicines helped. Before that he spent 6 months of his short life in a kennel recovering from elbow dysplasia operations. We were blessed that for a year prior to his death enjoyed the life of a bird dog, hunting and hiking. We would have never been able to see him run in the fields and swim in the lakes if it was not for Embrace. They helped us through both ordeals and never once indicated any concern about the procedures. We received written condolences on our loss and they reimbursed all his vet bills. They are very caring about our pets. I can only say, any reviews from dissatisfied customers are most likely because those individuals were trying to receive coverage after the fact, when they did not deserve it, or they did not follow the simple directions for the submittal form. We will continue to use Embrace and we hope we our other dogs never experience the pain and suffering Tater went through. He was a saint and never complained. We will miss him greatly.

I Submitted two claims at the same time to be handled. I was impressed that I was notified that they received the claims from the vet and they would let me know within a certain time frame what amount would be covered. In less then 10 days I got an e-mail telling me that my dogs medication would be totally covered. I was very excited. A few days later I received my check. I am still waiting to hear about claim #2.This one is for extensive Dental surgery. I have no doubt it will be handled in a fair time frame. I am so happy that I chose this company and I have already told friends and family how impressed I am with Embrace.

My 5 year old golden retriever had horrible diarrhea with blood. She ended up having to go to the ER Vet and needed to stay for a few days. Ultimately, she had a motility problem in her intestine and pebbles/rocks were in her stomach. Furthermore, through some testing it was discovered that she had a thyroid problem. My bill was approximately $2500. I had only bought my pet insurance plan about 4 months prior to the incident. Within 3 weeks I had my claim approved and Trupanion paid 90% of the medical costs. Everyone at Trupanion was very helpful and nice, which made the process go very smoothly! I was very thankful.