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Very quick to process claims and keeps you up-to-date via emails. Very easy and no-problem claim processing (they don't give you a hard time on what they cover and what they don't, nor do they try to hide behind legalese or small print). They covered and quickly refunded everything I have submitted to them so far.

We rescued a one year old lab/border collie mix last year. Given the amount of energy Grady has, we wanted accident protection for him in case of an injury. We bought the level one coverage last year. As expected, Grady took a run through the woods and returned with a chest laceration requiring stitches. We were very pleased that ASPCA processed our claim in a timely manner. The provisions of payment were as described at the time of purcahse. We just renewed and increased to a level 2 coverage this year. We will continue to purchase this coverage for piece of mind.

I had this insurance on my adult Leonberger for years which is why I selected them for my new Leonberger puppy. His insurance coverage--Level 3--went into effect on November 15, 2010. During the rains we had in Southern California, he skidded down a muddy hill and slammed into a concrete abutment on our patio. That was AN ACCIDENT. He was covered under this policy for accidents--even the lower levels cover accidents on the date the policy goes into effect. He sustained a severe injury to his left front leg and ultimately, he required surgery by a veterinary orthopedist. This insurance company has denied payment of ALL bills, claiming it was an illness. The pathology report and all of the vets have called the mass removed which hampered his growth and ability to walk--a SEROMA. Seromas are caused by trauma, not illness. ASPCA still ignores my calls and letters and refuses to pay. I plan to sue but I would tell everyone to avoid signing up to this company. You are better off without insurance then to pay them a monthly fee when they refuse to honor their own contracts! The worst thing for us is because ASPCA Pet Insurance refuses to pay on this accident, we cannot afford to take him for the physical therapy that he needs to rebuild his leg and he remains in discomfort. I have taken a job and gone to work to save up for his rehabilitation but that takes time. If they would pay what their contract states--80%, we could begin therapy immediately.

With three active dogs (Thomas. Daniel and Jenny), there alway seems to be an illness or accident (however minor) cropping up. My husband and I are very glad we have the ASPCA insurance plan and wish we had had it when one of our former dogs (Meggie) tore first one ACL, then the other.My only problem is with the terms of the policy renewal, when a condition is treated in one calendar year and becomes "pre-existing" in the next, resulting in no further coverage for that issue. I can't imagine what would happen if human coverage ended that abruptly.

It really irks me to read some comments about premium costs and that the insurance dosn't pay for exam fees, teeth cleaning, shots...Did these people not read the policy. Trupanion's policy is so simply and very easy to understand. If you are looking for that type of coverage there are plans out there that cover teeth cleaning and shots and exam fees. Don't bash because you didn't read the policy. My kitty had cancer and Trupanion paid 90% of her cost with no deductible. They paid over $15,000. So what if I had to pay a couple of $50 exam fees. Big deal. Trupanion paid a whopping about and I have my kitty today because I was able to get her the best state of the art treatment due to the fact I had Trupanion paying 90%. I submitted a claim every week for over 12 weeks, never was one lost or messed up. This is a great insurance. I am so thankful to have had it. It really bothers me when people leave negative reviews because they didn't do their homework. Trupanion does exactly what they say they will do!

It really irks me to read some comments about premium costs and that the insurance dosn't pay for exam fees, teeth cleaning, shots...Did these people not read the policy. Trupanion's policy is so simply and very easy to understand. If you are looking for that type of coverage there are plans out there that cover teeth cleaning and shots and exam fees. Don't bash because you didn't read the policy. My kitty had cancer and Trupanion paid 90% of her cost with no deductible. They paid over $15,000. So what if I had to pay a couple of $50 exam fees. Big deal. Trupanion paid a whopping about and I have my kitty today because I was able to get her the best state of the art treatment due to the fact I had Trupanion paying 90%. I submitted a claim every week for over 12 weeks, never was one lost or messed up. This is a great insurance. I am so thankful to have had it. It really bothers me when people leave negative reviews because they didn't do their homework. Trupanion does exactly what they say they will do!

I know sometimes reading these reviews you wonder is this a real person...well I am. I insured my kitty Jezebel with Trupanion in January 2010. In June 2010 she was diagnosed with vaccine related fibrosarcome cancer (very large tumor on her right hip). Trupanion has paid over $15,000 to date for Jezebel's surgery, chemotherapy, radiation treatments and checkups. She finished treatment in October and is doing so great. I faxed my claim to Theresa (my claims rep) on Monday and had a check in the mail by Saturday. Trupanion is the BEST ever! Jezebel thinks so too.

I know sometimes reading these reviews you wonder is this a real person...well I am. I insured my kitty Jezebel with Trupanion in January 2010. In June 2010 she was diagnosed with vaccine related fibrosarcome cancer (very large tumor on her right hip). Trupanion has paid over $15,000 to date for Jezebel's surgery, chemotherapy, radiation treatments and checkups. She finished treatment in October and is doing so great. I faxed my claim to Theresa (my claims rep) on Monday and had a check in the mail by Saturday. Trupanion is the BEST ever! Jezebel thinks so too.

One never can expect the unexpected. I have three young cockapoos, one of which suddenly became prone to ear infections and quickly required a decision on essential and expensive surgery. After much research and stress in making the decision to complete the surgery, it sure was nice to know I had ASPCA insurance. The surgery was successful and the claim payment was received within a few weeks. In a stressful situation it sure was nice to know I had one saving grace, ASPCA!

This is my first run at having pet insurance. After doing alot of research I decided on Embrace and to date I can say I made the right choice. From the time I called into review my quote then sign up and now file my first claim the experience has been SUPER! Thank you Embrace for taking our pets coverage seriously and providing great service.